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: MO

Complaint narrative:
I am filing this formal complaint against TransUnion for their continued failure to maintain accurate and verifiable information on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Despite my previous dispute efforts and providing supporting documentation, TransUnion has failed to correct the false and misleading data. Below I detail each inaccurate item and the laws being violated. I respectfully request CFPB 's intervention to compel TransUnion to conduct a lawful investigation, delete unverifiable and inaccurate information, and cease reporting data that damages my creditworthiness XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX Wrong Address This address is falsely reported on my credit report despite never residing, working, or having any financial association with this location. Its inclusion is a clear violation of FCRA 1681e ( b ), which mandates consumer reporting agencies to ensure maximum possible accuracy. This inaccurate address may have been the result of merged files or identity confusion and is contributing to the reporting of erroneous accounts. I have provided proof of residency and ID documentation in prior disputes, yet TransUnion has failed to remove this address. This indicates willful negligence and noncompliance with FCRA 1681i ( a ), which requires a reasonable reinvestigation. The continued presence of this false address has led to misleading reporting and calls into question the accuracy of the entire report XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> High Balance : {$630.00} Collection This account is being falsely reported as a collection by XXXX XXXX XXXX. I do not have any contractual relationship or verifiable debt owed to this company. This tradeline is erroneous, unverifiable, and likely the result of identity confusion or portfolio misplacement. Under FCRA 1681e ( b ), TransUnion is required to maintain accurate data, and under 1681i ( a ), they must perform a reasonable investigation when a dispute is submitted. I previously disputed this entry and provided proof that this debt does not belong to me, yet the account remains. The continued furnishing of this invalid and damaging information indicates that TransUnion failed to conduct any meaningful reinvestigation. This account has contributed to a significant drop in my credit score, obstructed my access to housing and employment, and caused extreme mental stress. It also violates the FDCPA 807 ( 8 ) as XXXX may be reporting unverifiable debt to third parties through the CRA system, thereby engaging in false and misleading representation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> High Balance : {$170.00} Collection This collection account is being reported inaccurately by XXXX. I never received any proper validation of this debt, and I have no recollection or record of owing this amount. I sent a dispute to TransUnion asking for proper validation under FCRA 1681i ( a ), as well as requesting evidence of accuracy under 1681e ( b ), but they failed to provide any documentation or cease reporting. This tradeline is unverifiable and appears to be erroneous or the result of mistaken identity or cross-account contamination. XXXX is reporting a collection account on my file without a proper validation notice or itemization, which also violates FDCPA 809 ( a ). TransUnions failure to delete this unverified tradeline following my dispute constitutes willful noncompliance. I am suffering real-life damages due to this false information, including emotional distress, financial embarrassment, and rejections for critical credit applications TransUnion has had ample time and opportunity to correct these errors yet failed to take any reasonable action. Their reporting practices and negligent reinvestigation processes are in direct violation of the Fair Credit Reporting Act and my consumer rights. I am requesting the CFPB to investigate this matter and hold TransUnion accountable. I am demanding full deletion of the wrong address and the XXXX unverifiable accounts above. I also request a full re-investigation into my credit file and documentation of how they verified these disputed entries. I reserve the right to escalate this matter through legal action under FCRA 1681n for willful noncompliance and damages sustained due to inaccurate reporting

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