Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14511629
Complaint Overview
Complaint ID: 14511629
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: California
ZIP Code: 92570
Date Received: 2025-07-07T12:00:00-05:00
Date Sent to Company: 2025-07-07T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against TransUnion for gross violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to the inaccurate and unauthorized reporting of false addresses, delinquent or charged-off accounts, and collections. These errors are damaging my credit profile and financial standing. Despite prior attempts to resolve these matters with TransUnion, they have failed to conduct proper reinvestigations or correct the errors. Below are the detailed disputes : XXXX XXXX XXXX, CA XXXX Issue : Wrong Address I have never resided at or been associated with this address. The presence of this address on my credit file is incorrect, misleading, and a violation of my rights under the FCRA. Violation : FCRA Section 607 ( b ) TransUnion has failed to follow reasonable procedures to assure maximum possible accuracy. Law Reference : 15 U.S.C 1681e ( b ) XXXX XXXX XXXX, CA XXXX Issue : Wrong Address I do not recognize or have any link to this address. TransUnion has willfully included false information which has affected my credit decisions and personal verification processes. Violation : FCRA Section 605B Reporting of identity theft-related information without validation. Law Reference : 15 U.S.C 1681c-2 XXXX XXXX XXXX High Balance : {$1200.00} | Date Opened : XX/XX/XXXX Issue : Charge-Off This account is reported as a charge-off, but I was never notified of this debt properly nor given a chance to resolve or verify it. TransUnion has not provided validation of this debt, nor conducted a proper investigation when disputed. Violation : FCRA Section 611 Failure to reinvestigate disputed information. Law Reference : 15 U.S.C 1681i ( a ) and 1681e ( b ) XXXX XXXX XXXX XXXX High Balance : {$2500.00} | Date Opened : XX/XX/XXXX Issue : Charge-Off This account is inaccurately reported as a charge-off, and no original contract or payment records were ever produced by the furnisher. Reporting this negatively affects my creditworthiness unfairly. Violation : FCRA Section 602 Inaccurate, obsolete, or unverifiable information must not be reported. Law Reference : 15 U.S.C 1681c ( a ) ( 5 ) XXXX XXXX XXXX High Balance : {$15000.00} | Date Opened : XX/XX/XXXX Issue : Charge-Off This account is too old to be legally reported as a charge-off under the FCRA 7-year rule. TransUnion is willfully damaging my report with obsolete data. Violation : FCRA Section 605 ( a ) ( 4 ) Accounts placed for collection or charged off can not be reported after 7 years. Law Reference : 15 U.S.C 1681c ( a ) ( 4 ) XXXX XXXX XXXX XXXXXXXX High Balance : {$15000.00} | Date Opened : XX/XX/XXXX Issue : Late Payment This account shows multiple late payments that I formally disputed, but no documentation was provided as proof. TransUnion has continued to report this despite my dispute and request for verification. Violation : FCRA Section 611 TransUnion failed to verify disputed late payment entries. Law Reference : 15 U.S.C 1681i ( a ) XXXX XXXXXXXX High Balance : {$22000.00} | Date Opened : XX/XX/XXXX Issue : Charge-Off This charge-off is inaccurately reported. I have requested multiple times to verify this debt, yet TransUnion has continued reporting it without validating the accuracy or ownership. Violation : FCRA Section 609 ( a ) ( 1 ) Right to request and receive complete file and account validation. Law Reference : 15 U.S.C 1681g ( a ) XXXX XXXX XXXXXXXX High Balance : {$3000.00} | Date Opened : XX/XX/XXXX Issue : Collection This collection account is being reported with no proper notice or debt validation from the original or current creditor. I have disputed it under my rights, but TransUnion failed to act responsibly. Violation : FCRA Section 611 and FDCPA Section 809 Failure to validate debt and provide notice of collection. Law Reference : 15 U.S.C 1681i ( a ) and 15 U.S.C 1692g ( b ) I am requesting the Consumer Financial Protection Bureau to intervene and require TransUnion to : 1. Immediately delete the inaccurate addresses from my file 2. Remove all unverifiable, outdated, or inaccurate accounts 3. Provide proof of investigation, validation, and reinvestigation logs for each disputed item 4. Confirm compliance with FCRA and ensure no further harm is done to my credit standing These reporting errors are damaging my ability to obtain credit, employment, and housing. I am demanding immediate action and a full investigation under federal law.
Frequently Asked Questions
What is Complaint #14511629 about?
Complaint #14511629 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 2025-07-07T12:00:00-05:00.
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.