Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
I am submitting this complaint against TransUnion for continuously reporting inaccurate, incomplete, and misleading information on my credit report despite my disputes. The items listed below include incorrect accounts, outdated and unverifiable addresses, and unauthorized or unverified hard inquiries. These inaccuracies have severely damaged my credit profile, caused denial of credit opportunities, and are in clear violation of the Fair Credit Reporting Act ( FCRA ), particularly sections 602, 604, 605, 607 ( b ), and 611. I demand immediate investigation and permanent removal of the following items from my TransUnion credit report : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account is reporting late payments despite being settled with a XXXX balance. I was never provided a notice of delinquency, and the late marks do not reflect accurate reporting under the FCRA. 
Violation of FCRA 607 ( b ) for failure to maintain maximum possible accuracy and FCRA 611 for reinserting inaccurate data after previous disputes without proper certification. This account has damaged my payment history and creditworthiness. I have requested documentation multiple times with no verifiable response provided by TransUnion or the furnisher. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} Issue : Reporting late payments when no proper notice was issued and the delinquencies are being reflected without valid verification. TransUnion failed to investigate adequately and continues to report negative information without permissible purpose.

Violation of FCRA 611 for failure to conduct a reasonable reinvestigation and FCRA 602 ( A ) for not ensuring fair and accurate reporting. This is causing undue harm to my credit score and personal finances. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account is being reported as a charge-off even though the account has been closed for years with no outstanding balance. The charge-off is inaccurate, outdated, and unverifiable.

Violation of FCRA 605 ( a ) ( 5 ) which prohibits reporting outdated derogatory accounts and FCRA 607 ( b ) for failing to maintain accurate records. This error is preventing me from accessing financial opportunities and must be removed immediately. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} Issue : This is a collection account being reported without any prior notification, validation, or agreement from me. I have never received a debt validation notice per the FDCPA, and TransUnion failed to ensure accuracy before adding this to my report.

Violation of FCRA 604 ( a ) ( 3 ) for no permissible purpose and FCRA 611 for failing to validate upon dispute. This entry is severely harming my credit and was added without following federal dispute protocol. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This is being reported as a charge-off despite no documentation showing I owed this balance. The reporting furnisher has not provided proof, and TransUnion has ignored multiple disputes.

Violation of FCRA 611 for reinserting unverifiable derogatory data and FCRA 607 ( b ) for not ensuring accuracy. This entry is outdated, misleading, and causing reputational damage. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account has multiple late payments reported erroneously after being paid and settled. I was never properly notified and no record of delinquency was served.

Violation of FCRA 602 ( A ) for not ensuring fair and equitable treatment and FCRA 611 for failing to validate the information upon request. The repeated negative reporting is unjust and affecting my financial credibility. 
HARD INQUIRY - XXXX XXXX Date : XX/XX/XXXX Issue : This unauthorized inquiry is being reported without my consent or permissible purpose under FCRA. I did not authorize XXXX XXXX to access my credit at this time, and TransUnion failed to ensure legitimacy. 
Violation of FCRA 604 ( a ) which requires a legitimate business need or consumer consent for pulling a credit report. TransUnions failure to verify consent before publishing the inquiry is a breach of my consumer rights.

I also want to highlight that TransUnion continues to report outdated, incorrect, and unverifiable addresses linked to my identity which are not connected to me in any legal or residential capacity. This includes past addresses where I have never resided or had any accounts opened. This misreporting of addresses poses a risk of identity theft and violates FCRA 607 ( b ) by failing to assure accuracy and integrity of the file.

Conclusion and Request for Relief TransUnion has demonstrated willful non-compliance with the Fair Credit Reporting Act and failed to uphold the accuracy, completeness, and fairness of my consumer report. These violations have caused me emotional distress, loss of credit opportunities, and financial hardship. I request the CFPB to initiate an investigation into these violations and mandate the immediate deletion of all disputed accounts, inquiries, and erroneous addresses from my TransUnion credit report. I also request confirmation that these items have been removed and proper steps are taken to prevent future recurrence.

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