Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing this complaint because TransUnion has failed to comply with the Fair Credit Reporting Act ( FCRA ) in handling my disputes. This is now my fifth round of disputes regarding the same inaccurate items, and TransUnion continues to report false and unverifiable information despite being provided with clear details in every prior submission.

Under FCRA 1681i, TransUnion is required to conduct a reasonable reinvestigation of disputed information and delete or correct anything that can not be verified. Under FCRA 1681e ( b ), they must also follow reasonable procedures to ensure maximum possible accuracy in my credit file. These obligations are not optional, yet TransUnions repeated inaction has resulted in continued harm to my creditworthiness, reputation, and financial stability.

Below are the specific inaccuracies I have been disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address has never been associated with me. I have no personal or financial connection to it. Keeping it on my file creates a misleading record that could result in lenders questioning my stability or confusing my identity with someone else. This violates FCRA 1681e ( b ), as they are not maintaining accurate personal identifying information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is a military base address where I have never lived, served, or had any affiliation. Its continued presence after multiple disputes shows TransUnions reinvestigation process under FCRA 1681i is inadequate. 

XXXX XXXX Account Number XXXXXXXX XXXX XXXX, Date Opened XX/XX/year>, Balance {$4900.00} XXXX XXXX This account is reporting late payments that I have challenged repeatedly. I have requested documentation verifying these late payments from the furnisher, but none has been provided. Reporting unverified negative payment history is a direct violation of FCRA 1681s-2 ( a ) and FCRA 1681i. 

XXXX Inquiry Dated XX/XX/year> This is an unauthorized hard inquiry. I never applied for credit with XXXX on or around this date, and no account was opened as a result. Under FCRA 1681b, a credit bureau may only report inquiries that have a permissible purpose. This inquiry has no such purpose, and keeping it on my file is a breach of the law.

I have suffered measurable harm as a result of these violations, including lowered credit scores, denial of favorable credit terms, reputational damage, and emotional distress. Each time I dispute, TransUnion sends back a generic response claiming the items were " verified, '' without providing any proof or documentation. This is not a proper reinvestigation as defined by the law.

I am requesting that the CFPB compel TransUnion to : Delete the inaccurate addresses listed above.

Remove the unverifiable late payment history from the XXXX XXXX account. 

Remove the unauthorized XXXX hard inquiry. 

Conduct a reinvestigation in full compliance with FCRA 1681i and provide evidence of verification where applicable.

If TransUnion can not provide full proof of accuracy for each disputed item, the law requires deletion. Their repeated refusal to follow federal law justifies regulatory action.

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 explanation