Consumer complaint received 2025-11-04 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: AZ

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding several inaccurate and unverified items being reported on my TransUnion credit report. Despite my consistent efforts to maintain accurate and timely credit, my report contains false personal information, unverified late payments, and accounts that I have absolutely no knowledge of. These inaccuracies have caused harm to my credit standing and have placed me in a position of financial and reputational distress. 

My credit file shows incorrect personal information, including XXXX addresses that do not belong to me. The addresses XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX are completely inaccurate and unrelated to my residential history. Their continued presence suggests either mixed files or negligence in maintaining accurate personal data. 

In addition to the incorrect addresses, several accounts have been falsely reported as having late payments when, in fact, I have never made any late payments on these accounts. These include XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$760.00} ; XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$37000.00} ; XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$28000.00} ; XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$970.00} ; XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$340.00} ; and XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$6800.00}. Each of these accounts has been inaccurately marked with late payments that never occurred. These false reports have significantly lowered my credit score and caused damage to my credit profile.

Additionally, there are multiple charge-off and collection accounts appearing on my report that I have no knowledge of and never authorized. These are not my accounts and should not be associated with my name or credit file. The unrecognized accounts include XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} listed as Charge Off ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX Co ) Account Number XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$300.00} listed as Collection ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  XXXX. ) Account Number XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1000.00} listed as Collection ; XXXX ( Original Creditor XXXX XXXX XXXX ) Account Number XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$8800.00} listed as Collection ; XXXX ( Original Creditor XXXX XXXX XXXX ) Account Number XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$750.00} listed as Collection ; and XXXX ( Original Creditor XXXX XXXX ) Account Number XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$410.00} listed as Collection. 

I have no relationship with any of these companies and have never opened or authorized these accounts. The appearance of these accounts on my report indicates a severe breakdown in data accuracy and compliance with the Fair Credit Reporting Act ( FCRA ). I have reason to believe that these accounts are the result of reporting errors or possible identity mix-ups.

Despite my previous dispute letter to TransUnion demanding investigation and correction under FCRA Section 611 ( 15 U.S.C. 1681i ), the inaccurate information remains on my report. This constitutes a violation of my rights under the FCRA and potentially under the Fair Debt Collection Practices Act ( FDCPA ) due to the continued reporting of unverified and misleading debt information. 

I am requesting that the Consumer Financial Protection Bureau take immediate action to ensure that TransUnion conducts a lawful and thorough reinvestigation of all the disputed items. Any accounts that can not be verified with original creditor documentation should be permanently deleted, and all inaccurate personal data must be corrected. These repeated inaccuracies have affected my credit score, limited my access to fair credit opportunities, and caused undue stress and hardship. 

I am providing this complaint in good faith and expect a complete review of these reporting violations. I request that the CFPB compel TransUnion to correct or remove all the disputed and unverified items and to confirm compliance with federal consumer protection laws.

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