Consumer complaint received 2025-07-05 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: NY

Complaint narrative:
I am writing to file an urgent and formal complaint against TransUnion for continued violations of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681. TransUnion has reported multiple inaccurate, unverifiable, and misleading entries on my consumer credit file despite multiple attempts to rectify the errors. These entries are damaging my creditworthiness and have caused me substantial harm both financially and emotionally. I request immediate investigation, correction, and regulatory action. Below are detailed issues by category : ISSUE : INCORRECT ADDRESS REPORTING Address Reported : XXXX XXXX XXXX, XXXX, NY XXXX Issue : This address is fraudulently reported and does not belong to me. I have never resided at this location nor have I used it for any credit-related purposes. 
Violation : Reporting inaccurate personal information violates FCRA Section 607 ( b ) which requires credit reporting agencies to ensure maximum possible accuracy of the information they include in a consumer report.

Additional Law : FCRA Section 609 ( a ) ( 1 ) grants me the right to request and dispute inaccurate information. 
Story : Due to this incorrect address, I have experienced denials and delays in financial services including mortgage and auto financing. This is extremely damaging to my personal and financial integrity. Despite notifying TransUnion, this address remains on my report. 
ACCOUNT XXXX : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX  High Balance : {$1900.00} Date Opened : XX/XX/XXXX Issue : Repeated late payments reported inaccurately Violation : FCRA Section 607 ( b ) - failure to ensure data accuracy, Section 611 ( a ) - failure to properly investigate dispute Story : I previously submitted documentation proving timely payments which were ignored. TransUnion failed to perform a reasonable reinvestigation as mandated by FCRA. This is harming my creditworthiness and causing denials of credit. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2100.00} Date Opened : XX/XX/XXXX Issue : Charged off in error Violation : FCRA Section 607 ( b ) and Section 611 Story : I never defaulted on this account. XXXX  resolved this directly and confirmed no charge-off was valid, yet TransUnion refuses to remove it. This false charge-off is reducing my FICO score drastically and negatively impacting my life. 
ACCOUNT XXXX XXXX XXXX XXXX XXXXcount Number : XXXXXXXX XXXX XXXX  High Balance : {$1200.00} Date Opened : XX/XX/XXXX Issue : Late payments inaccurately reported Violation : FCRA Section 607 ( b ), Section 611 Story : I was under a hardship program during this time and made scheduled payments. Reporting this as late is both inaccurate and misleading. My attempts to correct this via disputes were not reasonably investigated. 
ACCOUNT XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  High Balance : {$1700.00} Date Opened : XX/XX/XXXX Issue : Late payments reported erroneously Violation : FCRA Section 607 ( b ) Story : This account was previously paid in full through a payment arrangement. There were no missed payments after the arrangement. TransUnion has failed to update the report despite multiple disputes with evidence. 
ACCOUNT XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$570.00} Date Opened : XX/XX/XXXX Issue : Late payment reporting is inaccurate Violation : FCRA Section 611 ( a ) and Section 607 ( b ) Story : This is a new account, and the first payment was not even due before the date listed as " late. '' This clearly proves negligence in data verification by TransUnion. Such reporting is reckless and misleading. 
ACCOUNT XXXX : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  High Balance : {$2100.00} Date Opened : XX/XX/XXXX Issue : Inaccurate late payment reporting Violation : FCRA Section 607 ( b ) Story : Payments on this account were made on time through autopay. I have provided bank statements showing all on-time payments. Despite this, TransUnion continues to report missed payments and is damaging my score and credibility. 
ACCOUNT XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX High Balance : {$720.00} Date Opened : XX/XX/XXXX Issue : Inaccurate late payment data Violation : FCRA Section 607 ( b ) Story : This account was paid as agreed under a credit builder program. I never missed any installment. Late payments were incorrectly added, and my disputes were ignored. This is affecting my ability to secure loans and housing. 
REQUEST FOR CFPB ACTION : I am requesting the CFPB to investigate TransUnion for their continuous non-compliance with FCRA. I have exhausted all direct dispute attempts with them, and they have failed to act within the legal timelines or provide proper responses. I demand : Full deletion or correction of all the above accounts and personal information Sanctions against TransUnion for FCRA violations Enforcement of my rights under FCRA Sections 607, 609, and 611

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