Consumer complaint received 2025-07-03 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: SC

Complaint narrative:
Dear CFPB Officer, I am writing to file a formal complaint against TransUnion LLC for failing to comply with the Fair Credit Reporting Act ( FCRA ) in their reporting of inaccurate, unverifiable, and outdated information on my consumer credit report. Despite prior disputes, TransUnion has continued to report the following negative items without proper investigation or validation. These actions constitute willful noncompliance with FCRA 611, 607 ( b ), and 623. 

Disputed Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is reported as a charge-off with a balance of {$82.00}. TransUnion has failed to provide verification or a signed contract. Reporting unverifiable debts is a violation of FCRA 611 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as a charge-off with {$560.00} owed. I requested validation of this debt but received no documentation. No original signed agreement or payment history has been provided. 

XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is marked as having a late payment, yet shows a {$0.00} balance. Reporting derogatory remarks on an account that has been paid in full violates FCRAs accuracy requirement. 

XXXX XXXX Another {$0.00} balance account listed with a late payment. No documentation has been provided to justify this status, making this report misleading and incomplete. 

XXXX  XXXXXXXX XXXX XXXX XXXX XXXX This charge-off account for {$100.00} has never been verified despite my disputes. No itemized breakdown or original documentation was sent. 

XXXX XXXXXXXX XXXX This account reflects multiple late payments and a balance of {$16000.00}. I requested a full payment history and signed agreement, but TransUnion failed to provide any verification. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( 2 accounts ) Two separate listings with balances of {$12000.00} and {$6600.00} for the same creditor, reflecting late payments. These appear to be duplicates, violating FCRA 607 ( b ) for duplicative reporting and artificially harming my credit score. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX A collection with a {$750.00} balance. No notice of debt or right to dispute was sent to me as required by FDCPA 809, and no validation has been given by TransUnion. 

XXXX XXXX XXXX XXXX for {$1200.00}. I do not recognize this debt, and neither TransUnion nor the furnisher has provided validation or proof of the original obligation. 

XXXX XXXX XXXX A collection for {$890.00}. No contact was ever made regarding this debt, and no documentation has been received despite formal disputes. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A collection showing {$4200.00}. This is an inflated amount, and I never received notification of this debt. No evidence or contract has been provided to support this tradeline. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection with {$560.00} balance. Disputed and never validated. TransUnion is continuing to report without resolution. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * A collection with {$800.00} reported. I have requested validation, which has not been provided. This is a recurring violation of FCRA and FDCPA. 

Inquiries XXXX ( XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX ) These are hard inquiries for which I did not give authorization or permission. Under FCRA 604, inquiries require a permissible purpose. These were conducted without my consent and must be removed. 

Addresses XXXX XXXX XXXX, SC XXXX and XXXX XXXX  XXXX, SC XXXX These are inaccurate addresses not associated with me. Continued reporting of incorrect personal identifying information violates FCRA 607 ( b ).

Despite my lawful disputes, TransUnion has failed to correct or remove these entries. They have not provided proper reinvestigation or documentation and have allowed furnishers to re-report unverifiable or erroneous data. This has caused significant damage to my creditworthiness, mental stress, and denial of financial opportunities. 

I am requesting that the CFPB investigate TransUnions repeated violations of the Fair Credit Reporting Act and take appropriate enforcement action to compel deletion or correction of the above-listed items. I also request that TransUnion be required to send me an updated copy of my corrected credit report.

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