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 submitting this formal complaint against TransUnion because my consumer credit file is being reported with multiple inaccurate, unverifiable, and unlawful entries that are severely damaging my creditworthiness and financial stability. Despite my disputes and repeated challenges, TransUnion has continued to maintain false addresses, unverifiable collections, inaccurate late payments, charge-offs, and unauthorized inquiries, all of which are clear violations of the Fair Credit Reporting Act ( FCRA ) and my consumer rights. 

My file has been linked to the address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX which does not belong to me and is entirely unrelated to my identity. This false association creates a misleading and fraudulent profile in violation of 15 U.S.C. 1681e ( b ).

In addition, TransUnion is inaccurately reporting several accounts. XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$920.00} is listed with late payments that are factually unverified. XXXX XXXX account number XXXXXXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$100.00} is shown as a collection without any validation. XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$680.00} is reported as a collection despite no verifiable proof of ownership or liability. XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$990.00} is also being reported as a collection without lawful substantiation. XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$870.00} is similarly unverifiable. 

Further, XXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$1500.00} and XXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$880.00} are being reported simultaneously, which appears to be duplicate and misleading reporting, inflating derogatory data against me in violation of the FCRAs accuracy standards. XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$570.00} and XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$3000.00} are also listed as collections without proper validation. 

In addition to these, XXXX account number XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a zero balance is still being reported with late payments, which is not only misleading but also unlawful under consumer protection laws. XXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$1900.00}, XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$1600.00}, XXXX  XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$1000.00}, and XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$190.00} are all reported as charge-offs that I dispute as inaccurate and unverifiable. Additionally, XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$76.00} is reported with false late payments, which is another direct violation of my rights under the FCRA. 

Along with the above, there are multiple unauthorized hard inquiries on my credit report that were made without my written consent or permissible purpose. These include XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX XXXX  on XX/XX/XXXX. Under 15 U.S.C. 1681b, no company is allowed to pull a consumer report without a permissible purpose, and therefore these inquiries are unlawful and must be removed. 
The pattern of inaccurate addresses, unverifiable collections, false late payments, unlawful charge-offs, and unauthorized inquiries demonstrate that TransUnion has failed to uphold its legal duty under the FCRA to ensure maximum possible accuracy. These violations have harmed me by lowering my credit score, damaging my reputation, and restricting my access to fair credit opportunities. I am requesting that the Consumer Financial Protection Bureau investigate this matter and hold TransUnion accountable for their repeated violations of federal 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