Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14455290
Complaint Overview
Complaint ID: 14455290
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Investigation took more than 30 days
State: New Jersey
ZIP Code: 07083
Date Received: 2025-07-03T12:00:00-05:00
Date Sent to Company: 2025-07-03T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this formal complaint against TransUnion for failure to maintain accurate and verifiable information on my consumer credit report as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite prior disputes, TransUnion has continued to report inaccurate personal information and derogatory accounts without conducting a reasonable investigation. The continued reporting of false and unverifiable data is causing me substantial harm. The details of the dispute are as follows : XXXX XXXX XXXX XXXX XXXX Wrong Address Issue : This address is incorrect and does not belong to me. I have never lived at this location, nor do I have any known association with it. Law : Under FCRA 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information . TransUnions failure to remove or verify this address after dispute is a direct violation of this section. Story : I have sent multiple disputes requesting validation and removal of this address, but TransUnion continues to report it, causing my credit file to be linked with accounts and information that are not mine. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Wrong Address Issue : I have no known connection to this address and have never resided at or used this location. It is a serious error that affects the integrity of my entire credit report. Law : FCRA 1681i mandates that a credi t bureau must conduct a reinvestigation when a consumer disputes the accuracy of information. TransUnions continued reporting without validation is noncompliance. Story : This wrong address has remained on my file and has contributed to misattributed accounts, inquiries, and possibly identity confusion. TransUnion 's negligence is damaging my credit reputation and financial opportunities. XXXXXXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX | High Balance : {$1400.00} Issue : This account has been inaccurately reported as a charge-off. I have previously requested validation and investigation, which has not been reasonably addressed. Law : Under FCRA 1681s-2 ( b ), furnishers of information are required to investigate disputes forwarded by the credit bureaus. TransUnion has failed to ensure this obligation was met by XXXX. Story : This XXXX account was disputed due to inconsistencies in billing, lack of notification, and an improper charge-off designation. TransUnion has failed to verify the legitimacy or provide documentation, violating my consumer rights. This inaccurate derogatory mark continues to severely harm my creditworthiness. XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX | High Balance : {$310.00} Issue : This account shows late payments that are inaccurate. I have provided documentation indicating timely payments, yet TransUnion has not corrected the record. Law : FCRA 1681e ( b ) again applies here, requiring credit bureaus to report only accurate and verifiable information. Story : The continued listing of false late payments is misleading to lenders and impacts my credit scores. Despite formal disputes and proof submitted, TransUnion has neither removed nor corrected the derogatory entries. This demonstrates a reckless disregard for accuracy and consumer rights. XXXX XXXX XXXXXXXX XXXX Late Payment Date Opened : XX/XX/XXXX | High Balance : {$27000.00} Issue : Late payments listed on this account are not accurate and were never verified with appropriate documentation. Law : FCRA 1681i ( a ) requires CRAs to reinvestigate disputed information and delete unverifiable data. TransUnion has ignored this legal duty. Story : I requested complete payment records from XXXX XXXX to verify these claims, but neither the furnisher nor TransUnion has provided evidence. TransUnion 's refusal to remove or correct these unverified derogatory marks is a gross failure of compliance and a violation of my consumer protection rights. I respectfully request the CFPB to initiate a full investigation into TransUnion 's failure to comply with the FCRA. These inaccuracies are affecting my ability to obtain credit, secure housing, and pursue financial stability. I demand that TransUnion be instructed to conduct proper reinvestigations, remove unverifiable information, and cease the reporting of inaccurate data.
Frequently Asked Questions
What is Complaint #14455290 about?
Complaint #14455290 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-07-03T12:00:00-05:00.
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.