Consumer complaint received 2025-07-04 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: MI

Complaint narrative:
I am filing this complaint against TransUnion for their repeated failure to maintain accurate information in my consumer report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Despite multiple disputes, they have continued to report inaccurate, outdated, or unverifiable information that is causing significant harm to my financial well-being. 
Incorrect Personal Information : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX This address is inaccurate and not associated with me. Reporting this address violates FCRA 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy of the information. Continuing to report a wrong address is misleading and creates confusion regarding my identity and residency. 
Accounts with Inaccurate Negative Information : XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$16000.00} Late Payment Issue : This account is reporting late payments that are inaccurate and not supported by any valid documentation. FCRA 1681i mandates that credit bureaus investigate disputed information within 30 days and remove unverifiable data. TransUnion has failed to remove this after my prior disputes, which is a violation of my consumer rights under FCRA 1681s-2 ( b ). 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$21000.00} Late Payment Issue : The late payment information being reported is misleading and harmful to my credit profile. I have not received validation of the delinquency, and TransUnion has failed to fulfill its obligation under FCRA 1681e ( b ) to ensure accuracy of reported data. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$0.00} Late Payment Issue : This account is showing a late payment even though the balance is {$0.00} and the account is closed. Reporting late payments on a closed zero-balance account is misleading and a violation of FCRA 1681e ( b ) due to lack of accuracy and completeness. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$810.00} Charge-Off Issue : This account has been charged off without proper verification or notice. Under FCRA 1681i ( a ), TransUnion must investigate any disputed item and remove it if it can not be verified. Despite my requests, they continue to report this account inaccurately. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$250.00} Collection Issue : This collection account is not valid and I never received any written validation from the debt collector. TransUnion is required under FCRA 809 ( a ) of the FDCPA and 1681e ( b ) of the FCRA to report only verified collections. Failure to provide validation or remove this entry is a direct violation of my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$180.00} Collection Issue : I have no knowledge of this debt and have previously requested verification which was never provided. Reporting unverifiable accounts violates FCRA 1681i and FDCPA 809 ( b ). 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$720.00} Collection Issue : This account has been disputed but continues to remain on my report. XXXX has failed to validate the debt and TransUnion is in violation of FCRA 1681i by continuing to report unverified collection items. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$440.00} Charge-Off Issue : This account has been charged off and continues to report without adequate investigation or verification. The continued reporting of this inaccurate and damaging account constitutes noncompliance with FCRA 1681i and 1681e ( b ).

Summary and Demand for Immediate Action : TransUnion has continuously failed to comply with FCRA requirements by reporting inaccurate and unverifiable personal and financial information. These failures are damaging my creditworthiness and limiting my financial opportunities. As a consumer, I have the right to accurate and fair credit reporting. I demand that the CFPB hold TransUnion accountable for these violations and compel them to : 1. Remove the incorrect address 2. Conduct thorough reinvestigations on each of the disputed accounts 3. Remove any account that can not be fully verified 4. Provide me with written confirmation of the results These repeated FCRA violations are not only unfair but also harmful. I am requesting urgent CFPB intervention and resolution.

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