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 filing this complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and other consumer protection laws. TransUnion has reported inaccurate, outdated, and unverifiable information on my credit report despite multiple efforts to resolve these issues directly. These inaccuracies have caused significant harm to my financial well-being, including denial of credit, higher interest rates, and emotional distress. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to investigate and compel TransUnion to delete or correct the following items.

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$930.00} Status : Collection Issue : This account is inaccurately reported as a valid collection despite not receiving any notice of validation as required under 15 U.S. Code 1692g of the FDCPA. Additionally, there is no original contract or signed documentation proving the debt 's validity under 15 U.S. Code 1681i ( a ). Reporting this alleged collection account without proper verification is a direct violation of the consumers right to dispute and have unverified items removed. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance : {$300.00} Status : Charge-Off Issue : This account was charged off and is being reported with inconsistent information between TransUnion and other credit bureaus. The account is inaccurate, and there is no documentation to confirm its validity. This violates 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy. The failure to update or correct this item after my dispute is a violation of 15 U.S. Code 1681i ( a ). 
HARD INQUIRY XXXX  Date : XX/XX/XXXX Issue : This inquiry was made without my written consent or permissible purpose, which is a violation of 15 U.S. Code 1681b ( c ). I never applied for credit with XXXX on or around that date. TransUnion is responsible for ensuring only authorized inquiries appear on my report. 
HARD INQUIRY XXXX XXXX XXXX Date : XX/XX/XXXXXXXX  Issue : This inquiry is fraudulent and unauthorized. I have never given XXXX XXXX permission to access my credit report, and TransUnion failed to confirm the permissible purpose. This violates 15 U.S. Code 1681b ( f ) and 15 U.S. Code 1681c ( a ) ( 3 ). TransUnions continued reporting of this inquiry despite my dispute is further evidence of negligence and noncompliance with FCRA. 
These addresses are either outdated, unknown to me, or entirely fraudulent. Their continued appearance violates 15 U.S. Code 1681e ( b ), which requires credit bureaus to ensure accuracy, and 15 U.S. Code 1681i, which mandates the reinvestigation and correction of disputed data. TransUnions failure to delete or update these addresses after my formal disputes is both negligent and harmful.

RELIEF REQUESTED : 1. Immediate deletion or correction of all inaccurate, unverifiable, or outdated accounts, inquiries, and addresses mentioned above.

2. A full reinvestigation of each item per 15 U.S. Code 1681i ( a ).

3. Documentation of verification used by furnishers to confirm the accuracy of the accounts and inquiries.

4. Civil penalties and oversight imposed on TransUnion for repeated violations of consumer protection laws.

5. Written confirmation from TransUnion that my credit report has been corrected. 
I respectfully request that the CFPB take this complaint seriously as the inaccurate reporting by TransUnion is not only harmful but also unlawful. These violations have severely damaged my financial reputation, and I have exhausted all reasonable steps to resolve this issue directly with the credit bureau. Thank you for your time and prompt attention to 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