Consumer complaint received 2025-06-24 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: ME

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding TransUnions continued failure to maintain accurate and complete credit information on my credit report, which has caused me significant harm. I dispute the accuracy of multiple accounts and personal information reported by TransUnion, despite my repeated attempts to correct these errors. TransUnions negligent reporting practices violate the Fair Credit Reporting Act ( FCRA ), specifically sections 602, 607, 611, and 623, which require credit reporting agencies to maintain maximum possible accuracy and promptly investigate disputes. 
Below are the details of the inaccurate and harmful information reported by TransUnion : 1. Incorrect Personal Addresses Reported XXXX XXXX XXXX, XXXX, ME XXXX Reported as my current or previous address but this is incorrect and not associated with me. 
XXXX XXXX XXXX XXXX, XXXX, ME XXXX Also incorrectly listed as my address. 
Issue : Under FCRA 611 ( a ) ( 1 ) ( A ), TransUnion is required to conduct a reasonable reinvestigation of disputed information and delete or correct inaccurate or unverifiable information. The continued listing of these wrong addresses without verification is a clear violation causing confusion, potential fraud risk, and damage to my credit reputation. 
2. Account : XXXX XXXXXXXX XXXX XXXX  Opened : XX/XX/year> | Balance : {$510000.00} * * Reported Issue : Late Payment Violation : The late payment information is inaccurate or misleading. Under FCRA 623 ( a ) ( 8 ), furnishers must report accurate data and under 611, TransUnion must ensure this information is verified before reporting. Failure to do so results in a willful violation causing undue harm to my credit score and financial well-being. 
3. Account : XXXX  XXXXXXXX XXXX XXXX  Opened : XX/XX/year> | Balance : {$2100.00} * * Reported Issue : Late Payment Violation : This late payment is either inaccurately reported or unverified. As per FCRA requirements, any disputed late payments must be thoroughly verified and removed if inaccurate. Reporting unverifiable delinquencies is a direct violation of my rights under 611. 
4. Inquiries ( Unauthorized or Incorrect ) : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> Issue : Many of these inquiries were either unauthorized or inaccurately reported. FCRA 604 ( a ) ( 3 ) mandates that a credit report may only be furnished with a permissible purpose. Reporting unauthorized inquiries without proper authorization is a violation that can negatively impact my credit score and privacy.

Overall Impact and Request : Due to TransUnions failure to properly verify, correct, or remove these inaccurate personal information and account details, I have suffered damage including reduced creditworthiness, increased difficulty securing loans or credit, and emotional distress. 
I demand : 1. Immediate correction or removal of the inaccurate addresses listed above. 
2. Full reinvestigation of the late payments on XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX accounts, with corrections made as necessary. 
3. Removal of any unauthorized or inaccurately reported inquiries listed. 
4. A detailed written report of the results of TransUnions reinvestigation within 30 days, as mandated by FCRA 611.

5. Compensation for any damages suffered due to these violations.

Please consider this my formal dispute and complaint under the FCRA and the Dodd-Frank Act. I reserve all rights to escalate this matter through legal channels if TransUnion fails to comply with these obligations promptly. 
Thank you for your prompt attention to this matter.

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