Consumer complaint received 2025-09-09 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: FL

Complaint narrative:
I am filing this formal complaint because my credit file maintained by TransUnion contains multiple inaccurate, misleading, duplicate, and unverifiable items which have severely damaged my credit standing, financial opportunities, and personal reputation. Despite the protections guaranteed to me under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), these violations continue to exist and TransUnion has failed to maintain maximum possible accuracy or to conduct proper reinvestigations of the disputed information. 

My file is showing addresses that do not belong to me, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX I have never resided at these locations, yet they remain on my file. Reporting false addresses creates the appearance of fraudulent or multiple identities and violates the accuracy requirements under the FCRA. 

There are also multiple tradelines being reported with inaccurate late payments, duplicates, and conflicting balances. For example, XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX  is being reported with late payments that are unverifiable. XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$16000.00} is showing false late payments, as is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a XXXX balance. Numerous DEPTEDXXXX  accounts are being reported inaccurately, including account XXXXXXXX XXXX XXXX XXXX XXXX with a {$5700.00} balance, account XXXXXXXX XXXX XXXX XXXX XXXX  showing both {$10000.00} and {$6100.00} balances under the same account, account XXXXXXXX XXXX XXXX XXXX XXXX with {$4500.00}, account XXXXXXXX XXXX XXXX XXXX XXXX with {$2300.00} reported twice, account XXXXXXXX XXXX XXXX XXXX XXXX showing both {$6100.00} and {$9800.00} balances under the same account, and account XXXXXXXX XXXX XXXX XXXX XXXX with {$1200.00}. These duplications and conflicting balances are misleading, inaccurate, and unlawful under the FCRA. 

In addition, XXXX  account number XXXXXXXX XXXX XXXX opened XX/XX/XXXXXXXX  with a balance of {$2900.00} is being reported with unverifiable late payments. Several collection accounts are also falsely reported, including XXXX XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX with {$1700.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * with {$1300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with {$230.00}, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  with {$1100.00}. Another XXXX account XXXXXXXX XXXX XXXX XXXX XXXX is even listed as a charge-off with a XXXX balance, which is deceptive and misleading. 

Hard inquiries have also been made without my knowledge, authorization, or permissible purpose, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized inquiries are strictly prohibited under FCRA 1681b, yet these remain on my file. 

All of these inaccurate items together paint a false and damaging picture of my credit history. The FCRA clearly requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy ( 1681e ( b ) ), conduct reinvestigations of disputed items ( 1681i ), and delete unverifiable, duplicate, or inaccurate information. TransUnion has failed in these obligations, and as a result I am suffering financial injury, credit denials, and reputational harm.

I respectfully request that the Consumer Financial Protection Bureau take immediate action to enforce the Fair Credit Reporting Act, require TransUnion to delete or correct all of the disputed and unverifiable items listed above, and ensure that such violations do not continue to damage my credit and financial life.

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