Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint against TransUnion for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) and for failing to conduct a proper reinvestigation of multiple disputes I have submitted. This is now my fifth dispute regarding the same items, and TransUnion continues to report inaccurate, incomplete, and unverifiable information despite being notified in writing multiple times. 

The following items remain on my TransUnion credit report and are being reported inaccurately : XXXX XXXX XXXX XXXX, NY XXXX This is a wrong address that I have never lived at. TransUnion has been informed multiple times, yet continues to associate me with this location, creating a false link to accounts that are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is reporting late payments that are not accurate. I have requested proof from the furnisher, but no verification was provided. TransUnion continues to report unverifiable negative data in violation of FCRA 607 ( b ) and 611. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is showing late payments without verifiable proof. My payment history does not support these reported lates, and no evidence was produced after multiple requests. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late payments are being reported during a period when the account was under an agreed hardship arrangement. Reporting them as standard late payments is misleading and does not reflect the true payment arrangement. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  This account is reported as a charge-off with a {$0.00} balance, which is contradictory and inaccurate. If the balance is XXXX, the account can not legally be reported as charged-off without additional factual clarification. XXXX XXXX XXXX XXXX XXXX XXXX  This charge-off account remains on my report despite the fact that no validation or proof of debt has been provided. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX This is a collection account that remains on my report without proof of ownership, a valid chain of title, or the original agreement. No validation has been provided. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX This collection account remains on my report without any supporting documentation, including the original account agreement, billing statements, or a valid chain of assignment. 

TransUnion is in violation of : FCRA 607 ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy.
FCRA 611 Failure to conduct a proper reinvestigation of disputed items.

FCRA 623 ( a ) ( 1 ) ( A ) Continuing to furnish information known to be inaccurate.

FDCPA 807 ( 8 ) Reporting false credit information. 

These repeated violations have caused harm to my creditworthiness, led to denials of credit, increased interest rates, and emotional distress. TransUnion has ignored its legal duty to remove or correct inaccurate and unverifiable information within the 30-day reinvestigation period required by law.

I am requesting that the CFPB take action to ensure TransUnion immediately deletes or corrects these accounts and addresses its ongoing pattern of noncompliance with the FCRA and FDCPA.

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 explanation