Consumer complaint received 2025-06-27 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:
To CFPB, I am filing this formal complaint against TransUnion LLC for gross negligence and continuous violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681. I have previously notified them with disputes but they continue to report inaccurate, outdated, unverifiable, and misleading information on my consumer credit file causing me significant financial and emotional distress. The reporting agency failed to conduct a proper reinvestigation as required by 15 U.S.C 1681i and failed to maintain reasonable procedures to ensure accuracy as required under 15 U.S.C 1681e ( b ) XXXX XXXX XXXX XXXX, TX XXXX Wrong Address XXXX XXXX XXXX XXXX, TX XXXX Wrong Address Under FCRA 1681e ( b ), a consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These addresses do not belong to me, never have, and reporting them is a violation. This is a case of mixed file or identity confusion which TransUnion has failed to fix despite notice. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$540.00} Date Opened : XX/XX/XXXX Late Payment FCRA 1681i ( a ) requires TransUnion to conduct a proper reinvestigation when a consumer disputes the accuracy of any item. Despite my earlier dispute, they continued to report inaccurate late payments without verification. This account is reporting a late payment which I already challenged but no documentation was ever provided. No contract or billing history was shown, yet the tradeline remains. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$43000.00} Date Opened : XX/XX/XXXX Late Payment FCRA 1681s-2 ( a ) prohibits furnishing inaccurate information. This account shows an alleged late payment and an incorrect balance. I requested validation of this account and payment history, which was never sent. TransUnion did not remove or correct this after my dispute. The continued reporting is inaccurate and harmful. 
XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Collection FCRA 1692g ( b ) and 1681b require a debt to be validated before being reported. XXXX has not provided any validation of this debt. It is not mine and no contract or statement has been provided. Reporting a collection account without validation is illegal under both FDCPA and FCRA. TransUnion failed to remove this after notice and violated 1681e ( b ) by not ensuring the accuracy of this data. 
XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry All of these hard inquiries were made without my knowledge or consent. Under FCRA 1681b ( c ), a hard inquiry may only be placed with permissible purpose and consumer consent. I never authorized any of these companies to pull my credit report. TransUnion failed to verify the permissible purpose for these inquiries and has ignored my prior requests for removal. These inquiries are unauthorized and are negatively affecting my credit profile.

The above items are not only inaccurate but remain unresolved after I have submitted valid disputes with documentation. My identity has likely been mixed with other consumers, or fraud may have occurred. TransUnion 's failure to fix these errors is a direct violation of FCRA 1681i ( failure to investigate ), 1681e ( b ) ( failure to assure accuracy ), 1681b ( unlawful access ), and 1681c ( obsolete information ). I am requesting that the CFPB take immediate action against TransUnion to enforce these violations, compel them to perform proper reinvestigations, delete unverifiable information, and ensure the integrity of my credit report.

These inaccurate accounts and inquiries are causing me continuous harm in the form of credit denials, increased interest rates, emotional stress, and reputational damage. Despite being notified multiple times and my CFPB complaint still being open, TransUnion has acted with willful disregard for the law and consumer rights. I am requesting full deletion of the disputed accounts and inquiries, along with a permanent correction of my file to reflect only accurate and verifiable information. I also request that TransUnion be penalized for these ongoing violations of federal law.

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