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: TX

Complaint narrative:
I am submitting this formal complaint against TransUnion for multiple and serious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and related consumer protection laws. Despite multiple attempts to correct the information, TransUnion has continued to report inaccurate addresses and erroneous account information on my credit file, which has caused me significant harm, including credit denials, emotional distress, and reputational damage. 
WRONG ADDRESS REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : I have never resided at this address, and I have no known association with this location. Reporting this address creates confusion in my credit file and personal identity.

Law Violated : FCRA 15 U.S. Code 1681e ( b ) Requires reasonable procedures to assure maximum possible accuracy.

Story : Despite never living at this address, TransUnion has listed it on my credit report, which misrepresents my identity and credit history. This can cause lenders to question my legitimacy and results in unjust denials and delays in credit approvals. I have submitted disputes, but TransUnion has failed to investigate or remove this false data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Another completely inaccurate address on my report. I never stayed here, nor do I have any financial connections to it.

Law Violated : FCRA 1681e ( b ), 1681i ( a ) Obligation to maintain accurate files and reinvestigate disputed information.

Story : This address does not belong to me. Its presence contributes to a mixed file situation, where someone else 's information may be incorrectly merged with mine. This puts my creditworthiness and identity at serious risk and could indicate data security failure at TransUnions end. 
INACCURATE ACCOUNT REPORTING XXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1100.00} Status : Charge-Off * * Issue : This account is inaccurately listed as charged-off. I did not receive any validation, notice of default, or opportunity to dispute before reporting.

Law Violated : FCRA 1681i ( a ), 1681s-2 ( a ) ( 1 ) ( A ), FDCPA 809 ( Validation of debts ).

Story : Reporting this account as a charge-off without validating the debt or notifying me is negligent. It portrays me as a high-risk borrower and has severely lowered my credit score. I formally requested proof of default and proper notice, but TransUnion failed to reinvestigate or provide supporting documentation. 
XXXX. XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3000.00} Status : Late Payments * * Issue : The late payments shown on this account are inaccurate and not supported by valid records. 
Law Violated : FCRA 1681s-2 ( b ), 1681e ( b ) Furnishers and bureaus must ensure accuracy and correct errors after dispute.

Story : I disputed these late payments due to internal billing errors and inconsistencies. However, TransUnion never conducted a proper reinvestigation. They failed to provide any billing history or correspondence that validates these late entries, thereby continuing to harm my credit score unjustly. 
XXXX. XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$20000.00} Status : Late Payments * * Issue : This account reflects late payment status inaccurately. I believe the data has been misreported or duplicated in error. 
Law Violated : FCRA 1681e ( b ), 1681i ( a ), and 1681g ( a ) ( 1 ) Right to accurate report, reinvestigation, and full disclosure.

Story : TransUnion has failed to conduct a thorough reinvestigation or provide itemized payment history. Ive requested details, but only received vague responses. My ability to obtain housing and auto loans is being harmed due to this negative and incorrect listing. This is a serious failure to uphold fair and responsible credit reporting.

MISSING INQUIRY SECTION ( If applicable ) If you have any hard inquiries or unauthorized inquiries, please list them here and Ill add the proper format with law + issue + story.

CLOSING REQUEST TransUnion has violated my rights under the Fair Credit Reporting Act by failing to ensure the accuracy of my file, failing to reinvestigate properly disputed items, and reporting information that does not belong to me. I am requesting that the Consumer Financial Protection Bureau take immediate action to investigate these violations and enforce the removal of all inaccurate information from my TransUnion credit report. I also request written confirmation once these errors are resolved and demand that TransUnion be held accountable for the harm caused.

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