Consumer complaint received 2025-07-25 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against TransUnion for their repeated failure to correct or remove inaccurate information from my credit report, despite my ongoing efforts over the past several months. This is now my eighth round of disputes, and I am deeply frustrated and emotionally exhausted by their refusal to follow the procedures outlined under the Fair Credit Reporting Act ( FCRA ). I believe my consumer rights are being ignored and that TransUnion is willfully neglecting their duty to provide fair, accurate, and verifiable reporting.

There are two addresses currently being reported on my credit file that I have never lived at. These addresses are XXXXXXXX XXXX XXXX XXXX XXXX XXXX Georgia  and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Georgia. I have no connection to these locations. I have never used them on any credit applications, government documents, or in any other formal way. I have sent in multiple disputes requesting that these be removed, and yet TransUnion continues to list them. These incorrect addresses raise serious concerns for methey may be linked to accounts that are not mine, and their presence on my report creates a risk of mistaken identity and potential fraud. It is a violation of the FCRA for a credit bureau to maintain information that is not accurate or can not be verified, especially after a consumer has already raised a dispute.

In addition to that, I am currently being reported for late payments on a DEPTEDXXXX student loan account with the number ending in # XXXX. What's even more troubling is that the same account seems to be listed twiceonce with a balance of {$6000.00} and another time with a balance of {$3500.00}, both with the same open date of XX/XX/XXXX. This appears to be a duplicate entry, and yet both versions are showing derogatory late payments. I have challenged this previously and explained that the late payment information is inaccurate. I have records that reflect a different payment history, and TransUnion has failed to provide me with any documentation that verifies these delinquencies. Instead of correcting or deleting the account, theyve left it on my report and have allowed the damage to my credit to continue. This is an unacceptable violation of FCRA Section 607 ( b ), which requires credit bureaus to follow procedures that ensure maximum possible accuracy. It is also a violation of Section 611, which entitles me to a proper reinvestigation and correction of any disputed item. 

Even worse, my report now shows unauthorized hard inquiries from XXXX and XXXX, both dated XX/XX/XXXX. I never gave permission for these companies to access my credit report. I did not apply for credit with them, I did not sign any application, and I did not initiate any business relationship

that would justify these inquiries. This is an invasion of my privacy and a clear violation of FCRA Section 604, which states that a credit report can only be accessed with a permissible purpose and the consumers authorization. I have repeatedly requested that TransUnion remove these inquiries, but they have failed to do so or provide any proof that I granted permission. After eight rounds of disputes, it is clear that TransUnion is not conducting proper investigations, is not reviewing or verifying documentation, and is failing to comply with their responsibilities under federal law. I have exhausted all options available to me as a consumer, and I am now turning to the CFPB to intervene and help resolve this matter. This ongoing negligence is not only damaging my credit score, but it is also affecting my emotional well-being and financial stability. I have lost opportunities due to this inaccurate information and have felt helpless watching my disputes be ignored time and time again.

I am asking the Consumer Financial Protection Bureau to investigate TransUnion 's handling of my case and to require them to take corrective action. The inaccurate addresses, late payments, duplicate entries, and unauthorized inquiries must be fully removed from my credit file. I am simply asking for fairness, accuracy, and compliance with the law.

Thank you for taking the time to hear my concerns.

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