Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13985501
Complaint Overview
Complaint ID: 13985501
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Texas
ZIP Code: 77833
Date Received: 2025-06-09T12:00:00-05:00
Date Sent to Company: 2025-06-09T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to report serious and repeated violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair and Accurate Credit Transactions Act ( FACTA ) by the credit reporting agencies and the following financial institutions. Despite my attempts to resolve these matters directly with the credit bureaus, the following false information continues to appear on my credit reports, harming my creditworthiness and causing severe emotional and financial distress. Wrong Addresses Reported on My Credit Report ( FCRA 602, 607 ( b ) ) The following addresses do not belong to me, and I have never resided at these locations. These false addresses suggest identity confusion or mixed file errors, which is a direct violation of FCRAs mandate to maintain maximum possible accuracy. XXXX XXXX XXXX, XXXX, TX XXXX Wrong Address XXXX XXXX XXXX, XXXX, TX XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Address Violation : FCRA 607 ( b ) Failure to maintain accurate information. Remedy Requested : Immediate deletion of all incorrect addresses from all bureaus ( Experian, Equifax, and TransUnion ). Account-Level Errors and Legal Violations 1. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$600.00} Issue : Charge Off Violation : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate or incomplete information FDCPA 807 Misrepresentation of the legal status of debt Lack of proper validation under 15 U.S. Code 1692g Remedy Requested : Full deletion of the charged-off status and proper investigation per FCRA guidelines. 2. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$480.00} Issue : Late Payments Violation : FCRA 611 Failure to reinvestigate disputed information Inaccurate reporting after direct disputes 3. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$65.00} Issue : Late Payments Violation : FCRA 602 ( A ) Failure to ensure fair and accurate credit reporting FACTA Section 312 Failure to respond to identity theft or errors properly 4. XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1000.00} Issue : Late Payments Violation : FCRA 623 ( b ) ( 1 ) ( D ) Failure to review and delete inaccurate data after dispute Violates maximum possible accuracy standard of 607 ( b ) 5. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2600.00} Issue : Late Payments Violation : FCRA 623 ( a ) ( 1 ) ( A ) Unverified reporting without sufficient consumer verification 6. XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$15000.00} Issue : Late Payments Violation : FCRA 611 ( b ) Inadequate reinvestigation FDCPA 807 Misrepresentation of status and failure to validate under dispute 7. XXXX XXXX ( Duplicate Reporting ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1500.00} Issue : Late Payments Violation : FCRA 605B Reporting of potentially fraudulent information Duplicate accounts causing harm to credit score FCRA 607 ( b ) Relief Requested 1. Immediate deletion of all inaccurate addresses listed above. 2. Reinvestigation and correction/deletion of the accounts listed with errors. 3. Validation documentation under 15 U.S.C. 1692g for all negative items. 4. Compensation for damages under FCRA 616 and 617, if applicable. 5. Written confirmation of resolution and updated credit reporting. Supporting Laws Referenced FCRA 602, 607 ( b ), 611, 623 FDCPA 807, 809 ( 15 U.S.C. 1692g ) FACTA Section 312 Accuracy and Integrity Rule I respectfully urge the CFPB to investigate this matter and ensure compliance by the reporting agencies and furnishers. The persistence of this misinformation reflects a disregard for federal law and consumer protection standards. Thank you for your assistance in resolving this matter.
Frequently Asked Questions
What is Complaint #13985501 about?
Complaint #13985501 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-06-09T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.