Consumer complaint received 2025-06-25 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: MI

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against TransUnion, LLC for grossly inaccurate reporting, failure to properly investigate disputes, and continuous violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and related regulations.

Despite prior disputes and communications, TransUnion continues to report inaccurate addresses, delinquent or charged-off accounts, and duplicated or outdated student loan entries. This has caused significant and ongoing harm to my financial wellbeing, including being denied credit opportunities and suffering emotional distress.

Wrong Addresses ( FCRA 1681e ( b ) Violation ) 1. 9730 Whitehurst Dr , Dallas, TX 75243 2. 12235 Syracuse St, Taylor, MI 48180 Issue : These addresses do not belong to me. They are falsely reported on my credit file, potentially due to mixed file or identity confusion. Reporting addresses that are not verifiable or connected to me violates FCRA 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer reports.

Accounts With Errors and FCRA Violations 1. XXXX XXXX Acct # : XXXX * High Balance : {$200.00} Date Opened : XX/XX/XXXX Status : Charge-Off Issue : This account has been reported as charged-off. I dispute the accuracy of this entry, as I was not properly notified of any delinquency. No debt validation was provided. Reporting unverifiable or inaccurate charge-off statuses without proper investigation violates : FCRA 1681i ( a ) ( failure to reinvestigate ) FCRA 1681e ( b ) ( inaccurate reporting ) FDCPA 809 ( no debt validation provided ) XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX High Balance : {$11000.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : Late payment history has been inaccurately reported. I previously submitted evidence of financial hardship due to the pandemic under the CARES Act. This should have resulted in deferment or forbearance, yet TransUnion continued to report late payments.

FCRA 1681s-2 ( b ) ( failure to update or correct inaccurate information ) FCRA 1681c ( a ) ( 5 ) ( reporting obsolete information ) CARES Act 4021 ( credit reporting protections during COVID-19 ) XXXX. XXXX XXXX XXXX Multiple Accts # : XXXX * Opened High Balance Issue XX/XX/XXXX {$3500.00} Late Payment XX/XX/XXXX {$3500.00} Late Payment XX/XX/XXXX {$1700.00} Late Payment XX/XX/XXXX {$1100.00} Late Payment XX/XX/XXXX {$2900.00} Late Payment XX/XX/XXXX {$2900.00} Late Payment XX/XX/XXXX {$3500.00} Late Payment XX/XX/XXXX {$6000.00} Late Payment XX/XX/XXXX {$510.00} Late Payment XX/XX/XXXX {$2900.00} Late Payment XX/XX/XXXX {$3800.00} Late Payment Issue ( for all ) : These entries are duplicated, outdated, and potentially incorrect due to portfolio transfer or consolidation. Many are beyond the 7-year limit for reporting delinquent student loans and may have been forgiven or restructured under federal programs like REPAYE/IDR, PSLF , or COVID-19 Forbearance.

TransUnion failed to conduct proper reinvestigations and allowed these multiple duplicate entries to remain on my report, violating : FCRA 1681c ( a ) ( 4-5 ) ( obsolete data ) FCRA 1681e ( b ) ( maximum possible accuracy ) FCRA 1681i ( reinvestigation of disputed information ) Higher Education Act 20 U.S.C. 1087e ( federal student loan forgiveness protections ) Summary of Violations Committed by TransUnion : Reporting wrong addresses not affiliated with me FCRA 1681e ( b ) Failure to timely and properly reinvestigate disputes FCRA 1681i ( a ) Continued reporting of obsolete and duplicative student loan accounts FCRA 1681c ( a ) Improper reporting of charged-off or delinquent accounts during COVID CARES Act 4021 Failure to ensure maximum possible accuracy FCRA 1681e ( b ) Neglecting to correct information after notification from consumer FCRA 1681s-2 ( b ) Requested Relief 1. Immediate removal of the two incorrect addresses listed above.

2. Deletion or correction of all inaccurate or unverifiable accounts listed.

3. A full reinvestigation under FCRA 1681i, with results shared in writing.

4. Assurance that duplicate entries and outdated student loans are removed per FCRA 1681c.

5. Damages for emotional distress, lost credit opportunities, and costs incurred.

I respectfully request that the Consumer Financial Protection Bureau take immediate action and hold TransUnion accountable for their repeated violations and failure to uphold my consumer rights.

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