Consumer complaint received 2025-07-01 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:
I am filing a formal complaint against TransUnion for the continued reporting of inaccurate and unverifiable information on my credit report, despite my previous dispute efforts. I am a victim of multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, and I am requesting an immediate and thorough investigation under the law. Below I have listed the wrong addresses and disputed accounts, each with account numbers, issues, applicable laws, and explanations.

Wrong Addresses ( Not Mine Violation of FCRA 15 U.S. Code 1681e ( b ) ) XXXX XXXX XXXX XXXX, TX XXXX This address is unfamiliar to me and has no link to any credit application or residence. 
XXXX XXXX XXXX XXXX, TX XXXX I have never lived at this address. Including this data violates FCRA obligations for maintaining accuracy. 
Law Violated : FCRA 1681e ( b ) TransUnion is required to maintain reasonable procedures to assure maximum possible accuracy. 
Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off High Balance : {$730.00} Date Opened : XX/XX/XXXX Issue : This account is being reported as a charge-off without providing accurate or verifiable proof of liability or validation of the debt. 
Law Violated : FCRA 1681i ( a ), 1681e ( b ) Lack of accurate reinvestigation and unverified data reported.

Story : I was never given proper notice or opportunity to validate this debt. My request for validation went unanswered, and the account continues to harm my credit without proper documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off High Balance : {$1000.00} Date Opened : XX/XX/XXXX Issue : Reporting as a charge-off with no verifiable contract or authorization provided. 
Law Violated : FCRA 1681b, 1681i ( a ), FDCPA 15 U.S.C. 1692g Story : I previously disputed this account and received no documentation validating the debt. Reporting this without verification is deceptive and damaging. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off High Balance : {$1100.00} Date Opened : XX/XX/XXXX Issue : Duplicate reporting from the same creditor with a different amount and date.

Law Violated : FCRA 1681i ( a ), 1681e ( b ) Story : This looks like a re-aged or duplicated account to inflate derogatory data. It is misleading and reflects intentional negligence. 
XXXX XXXX XXXX XXXX XXXXXXXX Late Payment High Balance : {$10000.00} Date Opened : XX/XX/XXXX Issue : Multiple unverified late payments being reported. 
Law Violated : FCRA 1681c ( a ) ( 5 ), 1681e ( b ) Story : I was under financial hardship and requested payment deferrals. The creditor agreed verbally, yet late marks were still added. This is misleading and unfairly damaging. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off High Balance : {$5600.00} Date Opened : XX/XX/XXXX Issue : Inaccurate charge-off amount and missing verification. 
Law Violated : FCRA 1681i ( a ), 1681b, FDCPA 1692g Story : XXXX failed to validate the debt after my request. This debt includes inflated fees and is being reported incorrectly. 
XXXX. XXXX XXXX XXXX # XXXX * Collection High Balance : {$1100.00} Date Opened : XX/XX/XXXX Issue : Reporting by a debt buyer without proof of original creditors documentation. 
Law Violated : FCRA 1681e ( b ), FDCPA 1692g Story : XXXX XXXX is known for reporting unverified debts. They have never provided any legal chain of custody or original agreement. 
XXXX. XXXX XXXX XXXX # XXXX Collection High Balance : {$730.00} Date Opened : XX/XX/XXXX Issue : Third-party collector reported debt without verification or proof. 
Law Violated : FCRA 1681b, 1681e ( b ), FDCPA 1692g Story : I have no relationship with this company and they failed to provide validation when I requested it. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection High Balance : {$640.00} Date Opened XXXX XXXX Issue : Inaccurate collection listing, no proof of debt.

Law Violated : FCRA 1681i ( a ), FDCPA 1692g Story : This is a re-aged and previously paid debt that has been sold and re-listed to damage my score. It is illegal to report such debt without validation. 
XXXX. XXXX XXXX # XXXXXXXX XXXX  Collection High Balance : {$2700.00} Date Opened : XX/XX/XXXX Issue : Debt validation never provided, no contract shown.

Law Violated : FCRA 1681b, 1681e ( b ), FDCPA 1692g Story : I asked multiple times for this bureau to send proof of the debt, but nothing was received. Reporting this is unjustified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off High Balance : {$1500.00} Date Opened : XX/XX/XXXX Issue : Charged-off status is inaccurate and lacks supporting documentation. 
Law Violated : FCRA 1681i ( a ), 1681e ( b ) Story : I settled this account but its still listed as charged off without noting the settlement. This is false reporting. 
XXXX. XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Charge Off High Balance : {$9.00} Date Opened : XX/XX/XXXX Issue : Unreasonable to charge off a {$9.00} balance and harm credit. 
Law Violated : FCRA 1681b, 1681e ( b ) Story : I was never informed about this balance and never received a statement. Reporting this is malicious and unnecessary. 
XXXX. XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Charge Off High Balance : {$1300.00} Date Opened : XX/XX/XXXX Issue : Duplicate account from same creditor, with inaccurate charge-off terms. 
Law Violated : FCRA 1681i ( a ), 1681e ( b ) Story : No proof or original agreement was provided despite disputes. This hurts my profile unjustly. 
XXXX. XXXX XXXX XXXX # XXXX Collection High Balance : {$2800.00} Date Opened : XX/XX/XXXX Issue : Recently opened collection with no notice or validation.

Law Violated : FCRA 1681i, FDCPA 1692g Story : I never received a letter, call, or notice of this account. It suddenly appeared and is hurting my credit without justification. 
XXXX XXXX XXXXXX/XX/XXXX Inquiries Issue : Hard inquiry without permissible purpose or authorization. 
Law Violated : FCRA 1681b ( f ) Story : I did not authorize any credit application with this company. Their inquiry violated my rights and privacy.

Conclusion : TransUnion has violated my rights under the FCRA and FDCPA by reporting false, inaccurate, and unverifiable data, and by failing to properly investigate and remove erroneous information. I am requesting the CFPB to open an investigation and compel TransUnion to remove all inaccurate and unverifiable accounts and addresses, and to ensure full compliance with the law. The continuation of these reporting practices is causing me financial harm, emotional distress, and denial of credit opportunities. I am attaching supporting evidence and request a timely resolution. 
Please confirm receipt of this complaint and take immediate corrective action.

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