Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
I am filing a complaint against TransUnion for reporting inaccurate and unverifiable information on my credit report, which is causing serious harm to my creditworthiness and financial well-being. Despite prior disputes, the following information remains inaccurately reported on my credit file, violating the Fair Credit Reporting Act ( FCRA ), particularly 602 ( A ), 604, 605, and 611, which require the reporting agencies to ensure maximum possible accuracy, remove unverifiable items, and reinvestigate disputed information in a timely and lawful manner. Below is the breakdown of the issues : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Wrong Address I have never lived at this address, nor do I have any known or authorized connection to this location. Reporting of this address constitutes inaccurate personal identification data, which is a direct violation of FCRA 602 ( A ) and 607 ( b ) as TransUnion has failed to follow reasonable procedures to assure maximum possible accuracy in the reporting of consumer information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$11000.00} Date Opened : XX/XX/XXXX Late Payments This account is reporting late payments that are not accurate and were never validated when disputed. I requested verification under FCRA 611, and to date, TransUnion has failed to provide a method of verification or sufficient evidence. Continued reporting of unverifiable and disputed negative information is a violation of FCRA 607 ( b ) and 611. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$3900.00} Date Opened : XX/XX/XXXX Late Payments I have disputed this account for late payments that are being falsely reported. The credit bureau failed to conduct a proper reinvestigation under FCRA 611 and continued to report unverifiable information in violation of FCRA 607 ( b ) and 602 ( A ). The account has no documented proof of late payment notifications or billing statements that support the derogatory reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1400.00} Date Opened : XX/XX/XXXX Late Payments This account shows derogatory late payments that I never received proper notice of and have previously disputed. Under FCRA 611, the burden is on the credit bureau to reinvestigate and confirm accuracy. TransUnion failed to provide any method of verification, and continued reporting constitutes willful noncompliance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Late Payments Late payments are being reported inaccurately. I submitted disputes requesting verification, but no documents were provided by TransUnion to substantiate the reporting. This violates FCRA 611 and 607 ( b ). Continued reporting of unverifiable derogatory information harms my credit standing and is reckless and negligent. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$27000.00} Date Opened : XX/XX/XXXX Late Payments This student loan account is reporting erroneous late payments which I have already disputed. TransUnion has not provided evidence or verification. FCRA 611 ( a ) ( 5 ) ( A ) requires the deletion of information if not verified within 30 days. TransUnions inaction is a clear violation of my consumer rights under federal law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$190.00} Date Opened : XX/XX/XXXX Collection I have never received notice of this collection or a validation letter as required by the Fair Debt Collection Practices Act ( FDCPA ) 809. This account has not been validated nor verified by TransUnion under FCRA 611. Continued reporting of a collection account without proof violates both FCRA and FDCPA laws. 
XXXX XXXX Hard Inquiry Date : XX/XX/XXXX I did not authorize this inquiry and have no active application with XXXX XXXX at the time. FCRA 604 ( a ) ( 3 ) prohibits unauthorized access to consumer reports. This is a privacy violation and a breach of federal law, and TransUnion failed to block the inquiry even after dispute. 
XXXX XXXX XXXX Date : XX/XX/XXXX This was an unauthorized inquiry. I have no relationship, open account, or application pending with XXXX. TransUnions continued reporting of unauthorized inquiries constitutes a violation of FCRA 604 ( a ) ( 3 ) ( A ) and indicates failure to properly verify permissible purpose. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not initiate or authorize this inquiry. This is a direct violation of my rights under FCRA 604, and TransUnion has refused to remove the inquiry even after providing notice of dispute. There is no permissible purpose. 
I have tried to resolve these issues with TransUnion directly, and they have failed to respond adequately. I demand a full reinvestigation of all disputed items listed above and immediate removal of any unverifiable or inaccurate data from my credit report. These persistent violations have caused emotional distress, loss of credit opportunities, and financial harm. I am requesting CFPB intervention to ensure compliance with the Fair Credit Reporting Act and that TransUnion be held accountable for failing to protect my rights as a consumer.

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