Consumer complaint received 2025-07-04 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 this formal complaint against TransUnion for multiple violations under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. TransUnion has continuously reported false, inaccurate, and unverifiable information on my credit report despite previous disputes and my good faith efforts to resolve these issues directly. The information listed below includes wrong addresses and accounts with late payments or charge-offs, all of which are harming my financial well-being and violating my consumer rights. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This is not my current or past address and has no verifiable connection to me. Reporting inaccurate addresses violates FCRA Section 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. It also raises red flags for potential mixed file or identity theft. I have never lived at this location and demand its immediate removal. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address Similar to the previous entry, this address is entirely incorrect and is damaging my creditworthiness. It appears to be an error or a result of negligent data handling. Under FCRA Section 611, I have a right to dispute inaccurate information, and TransUnion is required to investigate and remove unverifiable data. Including this address creates the risk of commingling my file with another persons, which is a serious FCRA violation. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX  Date Opened : XX/XX/XXXX High Balance : {$600.00} Charge Off This account is being reported as a charge-off. I dispute the accuracy of the debt and demand validation. This furnisher failed to provide me proper notice as required under 15 USC 1692g of the FDCPA, and TransUnion has failed to ensure accuracy under FCRA 607 ( b ). Reporting a charged-off account without complete validation is a clear violation of FCRA 611 and 623. Furthermore, this entry has never been verified with documentation or a signed contract, yet it continues to appear on my report causing harm to my credit and reputation. 
XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1900.00} Charge Off This charge-off is inaccurate, and I have not received any communication or opportunity to validate this debt. Reporting such derogatory accounts without proper verification violates FCRA 623 ( a ) ( 3 ) and FDCPA 809 ( a ). The damage caused by this entry is significant and continues to affect my creditworthiness. I previously disputed this item, and no sufficient documentation was provided. TransUnions failure to correct or remove it constitutes willful noncompliance under FCRA Section 616. 
XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Balance : {$750.00} Charge Off This charge-off is reported without any written contract or validation. I have no knowledge of this account. The lack of documentation from the furnisher and TransUnions failure to remove the entry after dispute violate FCRA Sections 611 and 607 ( b ). This may be a case of erroneous reporting or identity confusion. The presence of this unverified charge-off lowers my score and limits my access to credit unfairly. 
XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Balance : {$1000.00} Late Payments I dispute the reported late payments. I was in communication with the creditor regarding COVID-related hardship, and they failed to honor the agreement. Reporting late payments under these circumstances violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits reporting information with actual knowledge of error. I also assert my rights under the CARES Act which requires creditors to report accounts as current if accommodations are made during the pandemic. 
XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Balance : {$1000.00} Late Payments This account shows multiple late payments that were either paid on time or related to documented hardship. I submitted dispute documentation, yet TransUnion failed to conduct a reasonable investigation under FCRA 611 ( a ). Their negligence in correcting inaccurate data is a violation of my consumer rights. Repeated inaccurate reporting of the same creditor with different dates/account numbers may also indicate file merging or duplication error, which is harmful and misleading. 
XXXX Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Balance : {$1000.00} Late Payment These late payments were reported while my loans were in administrative forbearance. Under the CARES Act and FCRA 623 ( a ), such reporting is inaccurate and unlawful. TransUnions continuation of reporting these delinquencies after dispute shows failure to maintain procedures for maximum accuracy. I provided supporting documentation confirming my forbearance status, and the report has not been corrected. 
XXXX Account # XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Balance : {$2900.00} Late Payment Same issue applies to this account as with the above XXXX account. The loan was under federal protection during the CARES Act period. Reporting it as late is misleading, harmful, and unlawful under the FCRA and the CARES Act. Despite clear evidence provided, TransUnion has failed to remove or update the status appropriately, which reflects willful noncompliance under FCRA Section 616 and 623 ( b ). 
XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Balance : {$13000.00} Late Payment I dispute the payment history on this account. There were multiple incorrect entries of delinquency. I made several on-time payments and communicated with the creditor, but this was not reflected. FCRA requires that all data be accurate, complete, and verifiable. TransUnion is in violation of FCRA 607 ( b ) by failing to verify the legitimacy of the negative marks, and also failed to reinvestigate properly as per 611 ( a ). This misinformation is harming my ability to obtain auto and mortgage financing. 
In conclusion, TransUnion has repeatedly failed to meet its obligations under federal law by maintaining and reporting inaccurate and unverifiable data on my credit profile. I have submitted prior disputes, provided documentation, and requested reinvestigation, all of which were ignored or denied without proper verification. I am requesting the CFPB to take regulatory action against TransUnion for failure to follow FCRA and FDCPA guidelines, and demand the permanent deletion or correction of all disputed accounts and addresses listed in this complaint.

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