Consumer complaint received 2025-06-29 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: OH

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against TransUnion for repeatedly reporting inaccurate and unverifiable personal information and account details on my consumer credit report, which has caused me substantial emotional distress, loss of credit opportunities, and mental anguish. Despite my attempts to have this corrected, TransUnion has failed in its duty under federal law to maintain accurate, complete, and verifiable information as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. 

Incorrect Address Reporting : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Wrong Address These addresses have never been associated with me at any point in my life. Reporting addresses not connected to me is a violation of FCRA 1681e ( b ), which mandates credit bureaus to follow reasonable procedures to ensure maximum possible accuracy. This misreporting opens me up to identity theft and misattribution of other consumers ' derogatory accounts. 

XXXX XXXX Acct # : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$10000.00} Charge Off * * This account is being reported as a charge-off. However, I dispute the accuracy and validity of this tradeline. XXXX XXXX  has not provided validation or proof of debt under my name. Under FCRA 1681i ( a ), once a consumer disputes an account, the bureau must conduct a reasonable reinvestigation and remove any unverifiable data. Reporting a charge-off without verifying its legitimacy constitutes willful noncompliance. This inaccurate reporting has severely impacted my credit profile and financial stability. 

XXXX XXXX XXXX Acct # : XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$240.00} Collection * * I dispute this collection account. I have no knowledge of this debt, and TransUnion has not provided documentation to verify its accuracy. Under FCRA 1681i ( a ) and FDCPA 809 ( b ), the burden of proof is on the furnisher and CRA to validate any debt once disputed. Continued reporting of an unverified and disputed collection account is unlawful and abusive, and in violation of my rights under federal law. 

XXXX XXXX XXXX Acct # : XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$87.00} Collection * * I do not recognize this debt. TransUnion is reporting this without verifying whether it actually belongs to me, which violates both FCRA 1681e ( b ) and 1681i ( a ). Repeated inaccurate collections reporting from XXXX XXXX despite the lack of validation further suggests a pattern of negligence or willful misreporting, which must be addressed. 
Conclusion and Relief Requested : TransUnion has violated its obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) by reporting erroneous addresses and unverifiable accounts that have significantly damaged my creditworthiness. I am requesting the CFPB to compel TransUnion to : XXXX. Immediately remove the incorrect addresses listed above XXXX. Delete or fully verify the listed accounts with supporting documentation XXXX. Provide me a full summary of their reinvestigation and verification procedures per FCRA 1681i ( a ) ( XXXX ) XXXX. Compensate me for the damages and losses I have incurred due to their negligent reporting This ongoing behavior reflects a willful disregard for consumer rights and federal compliance. I request urgent attention and relief in this matter.

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