Consumer complaint received 2025-08-16 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: NY

Complaint narrative:
I am filing this complaint because TransUnion has failed to correct inaccurate and unverifiable information on my credit file even after multiple disputes. This is now my third attempt, and the same errors remain on my report, which shows a lack of proper reinvestigation and compliance with the Fair Credit Reporting Act ( FCRA ). 

First, TransUnion continues to report an address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that does not belong to me. I have never lived there or been associated with it. Keeping a wrong address in my file links me to records that are not mine, which can cause major confusion and cross-contamination with accounts that do not belong to me. 

Second, several accounts are being reported with late payments that are not accurate or verifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Many of these accounts reflect late payments that were either caused by creditor errors, misapplied payments, or while I was on approved payment arrangements. Some are duplicative, inconsistent, or simply unverifiable given how student loan servicers have changed over the years. Reporting these accounts as late gives the false impression that I am irresponsible with credit when in fact the errors stem from creditor mismanagement and reporting mistakes. 

Third, TransUnion is reporting collection accounts that have never been validated : XXXX ( Original Creditor : XXXX XXXX  ) Acct # XXXX Balance : {$7100.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX. ) Acct # XXXX Balance : {$11000.00} Date Opened : XX/XX/XXXX I never received proper debt validation notices, and I have requested verification multiple times. Reporting collections without validation is a violation of both the FCRA and the FDCPA, yet these items remain on my credit file and continue to cause damage to my financial standing. 

Finally, TransUnion is also showing an unauthorized hard inquiry : XXXX Inquiry Dated : XX/XX/XXXX I did not apply for credit with this company and did not authorize this inquiry. Allowing a company to access my file without permissible purpose is a clear violation of my rights under FCRA 604. 

Despite sending disputes with detailed explanations, TransUnion has not corrected or removed these inaccurate items. Instead, they continue to verify them without providing any documentation or proof. This failure to conduct a proper reinvestigation is unlawful and harmful. Because of these unresolved errors, I am being unfairly denied financial opportunities and subjected to higher interest rates. 

I am requesting that the CFPB take action to ensure TransUnion is held accountable. Specifically, I ask that TransUnion be required to : Remove the wrong address from my file. 

Delete or correct all unverifiable late payments. 

Delete the unvalidated collection accounts. 

Remove the unauthorized hard inquiry. 

I also ask that TransUnion provide me with documentation proving how they verified these accounts, as required under the FCRA. If they can not provide verifiable proof, then these negative items should be deleted immediately.

TransUnions continued failure to fix these issues after multiple disputes shows a clear disregard for the accuracy of my file and my consumer rights. I ask the CFPB to intervene and ensure that TransUnion follows the law.

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