Consumer complaint received 2025-06-23 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: NE

Complaint narrative:
To Whom It May Concern : I am submitting this formal complaint against TransUnion for continuous and willful violations of the Fair Credit Reporting Act ( FCRA ), including the reporting of inaccurate personal information, unauthorized inquiries, late payments, and collection accounts that are misleading, unverifiable, or outdated.

Despite previous efforts to dispute and correct these errors, TransUnion has failed to conduct a reasonable investigation and continues to report inaccurate and damaging information. This conduct is not only negligent but also a direct violation of FCRA Sections 602, 607 ( b ), 609, 611, and 623.

Wrong Address Reporting : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Issue : I have never lived at this address. It is completely inaccurate and not associated with any of my valid accounts. 
FCRA Violation : Section 609 ( c ) ( 2 ) & Section 611 Failure to maintain accurate consumer file information.

XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Issue : This is a false address that has no connection with me. Its inclusion is leading to mixed file issues. 
FCRA Violation : Section 607 ( b ) Duty to follow reasonable procedures to assure maximum possible accuracy.

Accounts with Inaccurate or Misleading Information : XXXX. XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Date Opened : XX/XX/XXXXXXXX  o High Balance : {$1100.00} Issue : This account reflects late payment inaccurately. I was never late ; no proper notice or validation was ever received. 
FCRA Violations : Sections 611 & 623 ( a ) ( 1 ) ( A ) Failure to report accurate and complete information.

XXXX. XXXX XXXX  o Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXXXXXX  o High Balance : {$20000.00} Issue : This account shows false delinquencies which have severely impacted my credit rating, despite me making payments in accordance with the agreement. 
FCRA Violations : Section 607 ( b ) & 623 ( a ) ( 1 ) ( A ) 5. XXXX  o Acct # : XXXX XXXX XXXX o Date Opened : XX/XX/XXXXXXXX  o High Balance : {$5000.00} Issue : This account lists late payments, but I requested proper validation which was never provided. 
FCRA Violations : Section 611 Failure to properly investigate and validate disputed information. 
XXXX. XXXX XXXX XXXX o Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Date Opened : XX/XX/XXXXXXXX  o High Balance : {$2100.00} Issue : This collection account is unverified, disputed, and not validated under Section 809 of the FDCPA. I never received a dunning notice. 
FCRA & FDCPA Violations : FCRA Section 611 & 623 ( a ) ( 3 ) ; FDCPA Section 809.

Unauthorized/Inaccurate Hard Inquiries : XXXX. XXXX  Date : XX/XX/XXXXXXXX  Issue : This inquiry was made without my authorization or knowledge. I did not apply for credit with this entity. 
FCRA Violation : Section 604 Permissible purpose requirement.

XXXX. XXXX XXXX  Date : XX/XX/XXXXXXXX  Issue : I did not initiate any credit application that justifies this inquiry. 
FCRA Violation : Section 604 ( a ) ( 3 ) XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX  Issue : This inquiry was made without consent and is damaging my credit profile. 
FCRA Violation : Section 604 ( a ) Personal Impact Statement : As a result of these inaccuracies and false reporting, I have faced : Denials for mortgage and auto loans High interest rates Mental and emotional distress Damage to my financial reputation I have previously disputed these inaccuracies with TransUnion, yet the errors persist. TransUnion has failed to conduct a reasonable investigation as required under FCRA Section 611, and continues to report unverifiable information, violating my rights as a consumer.

Relief Requested : I respectfully request the CFPB to : 1. Order TransUnion to immediately remove the incorrect addresses.
2. Require deletion or full validation of the disputed accounts and inquiries listed above.

3. Impose penalties for willful non-compliance with FCRA guidelines.

4. Investigate TransUnions failure to follow reasonable procedures under FCRA Section 607 ( b ). 
Thank you for your time and attention to this matter. I request urgent investigation and appropriate enforcement action.

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