Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ) because TransUnion LLC has repeatedly failed to correct or delete numerous inaccurate items on my credit report, even after my formal dispute. These errors continue to damage my creditworthiness, and XXXX lack of proper reinvestigation violates FCRA 1681e ( b ), 1681i, and 1681s-2. 

Below is a detailed list of the disputed items that TransUnion has refused to verify or remove : 1. Incorrect Addresses XXXX XXXX XXXX XXXX XXXX, CA XXXX Never lived here ; reported in error. 

XXXX XXXX XXXX, XXXX, CA XXXX Never lived here ; reported in error. 

XXXX. Inaccurate or Unverified Trade Lines XXXX XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, XXXX {$710000.00}, Late Payment ) XXXX XXXX  ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, XXXX {$20000.00}, Charge Off ) XXXX CARD ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX, XXXX {$0.00}, Charge Off ) XXXX XXXX XXXX  ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX, XXXX {$0.00}, Late Payment ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX, XXXX {$3800.00}, Late Payment ) XXXX XXXX XXXX  Acct # XXXX, Opened XX/XX/XXXX, XXXX {$2500.00}, Charge Off ) XXXX XXXX XXXX XXXX ( Acct # XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, XXXX {$29000.00}, Late Payment ) XXXX XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX, XXXX {$4600.00}, Late Payment ) XXXX. Unauthorized Hard Inquiries XXXX Inquiry on XX/XX/XXXX ( no permission given ) XXXX XXXX on XX/XX/XXXX ( no permission given ) Background & Attempts to Resolve : On [ date of your TransUnion dispute letter ], I sent TransUnion a dispute under FCRA 1681i, clearly identifying each of the above inaccuracies and demanding removal or verification within 30 days. TransUnion neither provided documentation validating these items nor deleted them. Specifically : They failed to correct or delete the wrong addresses, in violation of FCRA 1681e ( b ) ( accuracy of identifying information ).

They did not reinvestigate the late payments and charge-offs, contrary to obligations under FCRA 1681i ( a ) and 1681s-2 ( b ).

They refused to remove the hard inquiries made without my authorization, violating FCRA 1681b ( permissible purpose ). 

Relief Requested : Investigation & Correction : Direct TransUnion to conduct a meaningful reinvestigation of each disputed item and to delete all items that can not be verified with complete, original documentation. 

Free Corrected Credit Report : Provide me with an updated copy of my credit report showing all deletions or corrections.

Notification to Furnishers : Require TransUnion to notify each furnisher to cease reporting any unverifiable or inaccurate information.

Prevent Future Violations : Ensure TransUnion implements procedures to prevent recurrence of these violations.

Consumer Restitution : I request compensation for the harm caused by these reporting errors ( emotional distress, loss of credit opportunity ). 

I have enclosed copies of my dispute letter, my credit report highlighting the erroneous entries, and any other relevant documentation. Please investigate this matter promptly and inform me of your findings and any actions taken. If you require further information, I can be reached at the contact details above. 

Thank you for your prompt attention to this serious 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