Consumer complaint received 2025-07-10 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 writing to file a formal complaint against TransUnion for reporting inaccurate personal information, including multiple wrong addresses, erroneous account data, and unauthorized hard inquiries, all of which have severely impacted my credit profile and caused financial and emotional harm. Despite previous efforts to resolve these issues, TransUnion has failed to correct them. 
Wrong Addresses Reported by TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This is not and has never been my residence.

Law Violated : FCRA Section 602 ( A ), 15 U.S. Code 1681 - TransUnion must maintain accurate and up-to-date consumer information. 
Explanation : Reporting a false address can lead to mismatched data, potential identity confusion, and misattribution of accounts. This information is entirely inaccurate and creates risk for fraud and misrepresentation. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : I have no affiliation with this address.

Law Violated : FCRA 1681e ( b ) - Reasonable procedures must be used to assure maximum possible accuracy. 
Explanation : This incorrect address has resulted in accounts and inquiries being linked to me falsely, harming my creditworthiness. 
Accounts with Inaccurate/Negative Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late payments falsely reported.

Law Violated : FCRA 1681s-2 ( a ) ; FDCPA Explanation : I was impacted by financial hardship during XXXX and was under a payment accommodation. Reporting these payments as late is both unfair and harmful. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Marked with a late payment though I paid on time.

Law Violated : FCRA 623 ; 1681i Explanation : I contacted the furnisher who confirmed the error, but TransUnion failed to reinvestigate the matter adequately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Inaccurate late payment being reported.

Law Violated : FCRA 1681s-2 ( b ) Explanation : This account had payment processing issues beyond my control. My payment was made, but incorrectly posted. My dispute was ignored. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Charged-off status inaccurately reported.

Law Violated : FCRA 1681e ( b ) ; FDCPA 807 ( 8 ) Explanation : I never received adequate communication about this charge-off. I was actively making payments. This account should not be in default status. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late payments while under forbearance.

Law Violated : CARES Act + FCRA Explanation : These were federal student loans under XXXX forbearance. Reporting them late is illegal and unethical. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Collection not validated. 
Law Violated : FDCPA 809 ( b ) ; FCRA 611 Explanation : I requested verification and received none. The account should not be reported until its validated by the original creditor. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Duplicate collections for same alleged debt.

Law Violated : FCRA 607 ( b ) ; FDCPA 807 ( 2 ) ( A ) Explanation : TransUnion is listing the same debt multiple times, inflating my debt-to-income ratio and damaging my credit profile. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Duplicate entry again.

Law Violated : Same as above. 
Explanation : This shows willful negligence to resolve disputed items. I am being unfairly penalized multiple times. 
Summary : I have suffered great harm including being denied credit, high interest rates, emotional distress, and reputational damage due to TransUnions persistent failure to maintain accurate, fair, and verified consumer records. I demand immediate action from the CFPB to investigate TransUnion 's misconduct and compel them to : Remove all inaccurate personal addresses Delete or correct the above-listed accounts Remove unauthorized inquiries Provide written confirmation once these corrections are made

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