Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear CFPB Officer, I am writing to formally file a complaint against TransUnion for its continued failure to correct and remove inaccurate, outdated, and unverifiable information on my consumer credit report, despite multiple prior disputes. I am now forced to seek assistance from your office, as these errors have caused me ongoing harm, including credit denials, increased interest rates, and emotional distress. 
Despite my efforts to resolve these issues directly with TransUnion, they have failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, and have continued to report the following erroneous information : XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  High Balance : {$12000.00} Issue : Late Payment Reporting Problem : This account shows multiple late payments, which I dispute as inaccurate and not supported by any verifiable documentation from the furnisher. I have previously requested verification under FCRA 611 ( 15 USC 1681i ), but no investigation was reasonably conducted. 
FCRA Violation : Failure to conduct a reinvestigation ( 1681i ) Continued reporting of inaccurate information ( 1681e ( b ) ) My Statement : The inaccurate payment history is damaging my credit profile. I was not provided with a proper notice, and no supporting documentation proving the delinquency has been shared. I believe this is being reported in error or possibly due to identity theft or clerical error, and TransUnion failed to verify it properly. 
XXXX. XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  High Balance : {$7900.00} Issue : Late Payment Reporting Problem : This account is reporting late payments that are either inaccurate or have not been substantiated by the data furnisher. I previously disputed this entry, and TransUnion has not provided any verification or documentation from the original creditor. 
FCRA Violation : Lack of reasonable investigation ( 1681i ) Willful/reckless reporting of inaccurate information ( 1681n & 1681o ) My Statement : I strongly believe this reporting is either incorrect or misleading. I requested supporting documents from TransUnion, which were never furnished. This account is harming my credit score unfairly, especially since it may involve a period of hardship not properly documented or acknowledged. 
3. Wrong Address Reporting Address : XXXXXXXX XXXX XXXX XXXX, XXXX, TX XXXX Issue : Incorrect Address Being Reported Problem : This address is being reported on my credit file even though I have never resided or been associated with this location. This is a gross error that not only misrepresents my identity but can also be indicative of file mixing or potential fraud. 
FCRA Violation : Reporting inaccurate personal identifying information ( 1681e ( b ) ) Failure to correct upon notice ( 1681i ( a ) ) My Statement : I have never lived at or used this address in any capacity. It is completely unrelated to me. Continued reporting of this address creates a false identity profile and affects the accuracy of my report, which is in direct violation of FCRA standards for accurate and fair reporting. 
Summary of My Complaint : I have attempted to resolve these issues directly with TransUnion through formal written disputes. However, they have : Failed to reasonably investigate under FCRA 1681i Continued to publish inaccurate and unverified data Violated their obligations under 1681e ( b ) regarding accuracy Harmed my creditworthiness and reputation Relief Requested : I respectfully request that the CFPB : 1. Investigate TransUnion 's failure to comply with federal law.

2. Require the deletion or correction of the inaccurate accounts and address listed above.

3. Enforce accountability under FCRA 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ) if applicable.

4. Ensure that I am provided with written results of any reinvestigation and updated consumer disclosures. 
Thank you for your assistance in ensuring fair and accurate credit reporting as guaranteed under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief