Consumer complaint received 2025-06-20 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: LA

Complaint narrative:
I am filing this formal complaint against TransUnion, LLC for multiple violations of the Fair Credit Reporting Act ( FCRA ), including the inaccurate reporting of derogatory accounts, collection accounts, unauthorized hard inquiries, and addresses that are not mine. Despite previously disputing many of these inaccuracies, TransUnion has failed to conduct a reasonable investigation and continues to report incorrect and damaging information. I am requesting a full and immediate reinvestigation, deletion of inaccurate data, and compliance with all applicable federal laws under FCRA. 
Wrong Address Reporting FCRA 1681e ( b ), 1681i ( a ) TransUnion is reporting multiple addresses that do not belong to me, nor have I ever lived at or been associated with them. These misreported addresses are harming my creditworthiness and may indicate file mixing or identity confusion : XXXX XXXX XXXX, XXXX, XXXX  XXXX Incorrect XXXX XXXX  XXXX, XXXX, XXXX  XXXX Incorrect These addresses violate FCRA 1681e ( b ), which mandates maximum possible accuracy in consumer reports. TransUnion has failed to ensure the accuracy of basic identifying information. 
Derogatory Account Reporting FCRA 1681s-2 ( b ), 1681i ( a ) TransUnion continues to report multiple charged-off, late payment, and collection accounts that are either outdated, inaccurate, or disputed. These tradelines contain errors in balance, payment history, and/or are unverifiable under FCRA-mandated standards XXXX Charge-Off Accounts : XXXX # XXXX High Balance : {$370.00} Opened : XX/XX/XXXX XXXX XXXX # XXXX High Balance : {$770.00} Opened : XX/XX/XXXX XXXX  XXXX # XXXX High Balance : {$490.00} Opened : XX/XX/XXXX XXXX  XXXX XXXX  # XXXX High Balance : {$460.00} Opened : XX/XX/XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$6000.00} Opened : XX/XX/XXXX Violation : FCRA 1681i ( a ) Failure to correct inaccurate or unverifiable account data after dispute. 
Late Payment Accounts : XXXX XXXX XXXX # XXXX High Balance : {$2900.00} Opened : XX/XX/XXXX XXXX  # XXXX High Balance : {$940.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX High Balance : {$22000.00} Opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX High Balance : {$35000.00} Opened : XX/XX/XXXX XXXX  # XXXX High Balance : {$40000.00} Opened : XX/XX/XXXX Violation : FCRA 1681s-2 ( b ) Furnishers must conduct an investigation after dispute ; inaccurate late payment reporting continues. 
Collection Accounts : XXXX XXXX XXXX  # XXXX High Balance : {$5600.00} Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX High  Balance  : {$690.00} Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX High Balance : {$3900.00} Opened : XX/XX/XXXX XXXX XXXX  # XXXX High Balance : {$17000.00} Opened : XX/XX/XXXX Violation : FCRA 1681e ( b ) Collection accounts appear to be either inaccurately listed or unverifiable. 
XXXX XXXX Inquiries FCRA 1681b ( c ), 1681e ( a ) The following hard inquiries appear on my credit report without permissible purpose, and I did not authorize them. This harms my credit score and violates my consumer rights : XXXX XXXX  Dated : XX/XX/XXXX XXXX XXXX  Dated : XX/XX/XXXX XXXX XXXX XXXX Dated : XX/XX/XXXX XXXX Dated : XX/XX/XXXX Violation : FCRA XXXX ( c ) Hard inquiries require my explicit authorization, which I never provided. This is unauthorized access to my credit file. 
Legal Violations Summary : FCRA 1681e ( b ) : Failure to maintain maximum accuracy in reporting FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation FCRA 1681s-2 ( b ) : Failure by data furnishers to correct inaccurate or incomplete information FCRA 1681b ( c ) : Unauthorized hard inquiries without permissible purpose Requested Relief : 1. Immediate deletion of the inaccurate addresses listed above. 
2. Reinvestigation and correction of all accounts listed in this complaint.

3. Removal of all unauthorized inquiries.

4. Written confirmation from TransUnion of the actions taken.

5. Civil penalties against TransUnion for noncompliance with the FCRA, if applicable.

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