Consumer complaint received 2025-07-04 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: SC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against TransUnion for failing to properly investigate and correct multiple inaccurate and potentially unverifiable items on my credit report, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Despite previous disputes submitted directly to TransUnion, the following accounts and inquiries remain on my report without proper validation or investigation : Inaccurate Addresses Reporting XXXX XXXX, XXXX, SC XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX These addresses are incorrect and do not belong to me. Reporting false address history creates a risk of mixed files and identity confusion, which is a direct violation of FCRA 607 ( b ) requiring maximum possible accuracy of consumer report information. 

Accounts Reported Without Proper Investigation or Validation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$500.00} | Status : Charge-off TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$8400.00} | Status : Charge-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$600.00} | Status : Charge-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$4500.00} | Status : Charge-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Charge-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$860.00} | Status : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$360.00} | Status : Collection These accounts were either opened without my knowledge, or are inaccurately reported. TransUnion failed to provide sufficient documentation or follow proper procedures as required under FCRA 611 ( a ) ( 1 ) ( A ) and 1681i ( a ).

Further, several of these accounts were marked " verified '' without TransUnion ever providing evidence of verification, which demonstrates a failure to conduct a reasonable reinvestigation. 

Unauthorized and Unexplained Inquiries SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me. Under FCRA 604 ( a ) ( 3 ), inquiries can only be made with a permissible purpose. TransUnion has failed to remove these despite my disputes, again violating their obligations under the law.

Requested Action : I am requesting that the Consumer Financial Protection Bureau : Investigate TransUnion 's failure to conduct a reasonable reinvestigation of the accounts and inquiries listed above.

Require TransUnion to provide verification of each item or immediately remove any item that can not be 100 % verified under FCRA guidelines.

Ensure that all inaccurate addresses, unauthorized inquiries, and unverified accounts are permanently removed.

Impose penalties or sanctions if it is found that TransUnion willfully neglected its duties under FCRA.

TransUnions actions have negatively impacted my credit score, limited my financial opportunities, and caused me emotional and financial distress. I demand your urgent assistance in resolving 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