Consumer complaint received 2025-06-28 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: FL

Complaint narrative:
I am submitting this complaint against TransUnion for willfully reporting false and inaccurate personal information on my credit file, including incorrect addresses, unauthorized inquiries, and misleading account information. These reporting errors are negatively affecting my creditworthiness, causing significant emotional distress, and impeding my financial progress. I have disputed these items multiple times, yet TransUnion has failed to conduct reasonable investigations or provide factual validation. This violates my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681 ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 
WRONG ADDRESSES BEING REPORTED : 1. XXXX XXXX XXXX, XXXX, FL XXXX I have never lived at this address. Reporting this address violates FCRA 1681e ( b ) as it reflects a failure to maintain maximum possible accuracy. 
2. XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address is entirely incorrect. I did not reside here nor have any association with it. TransUnions inclusion of this is misleading and defamatory. 
Under FCRA 1681c ( a ) ( 4 ) & 1681e ( b ), consumer reporting agencies must ensure accuracy of address history. Continuing to report this despite disputes shows willful noncompliance. 
UNAUTHORIZED INQUIRIES : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX I did not authorize these hard inquiries and never applied for credit with these companies. These inquiries were added without permissible purpose under FCRA 1681b ( c ).

Unlawful inquiries damage my credit score and reflect a clear breach of federal law. TransUnion failed to verify permissible purpose before placing these inquiries on my file. 
ACCOUNT ISSUES ( With Laws Violated and Detailed Story ) ( You can add your account list here ; since you mentioned youll provide them below, please send me the full account details to complete this section precisely. For now, I will give an example. ) Example Account : XXXX # XXXX XXXX XXXX XXXX XXXX * * Issue : The balance, payment history, and charge-off date are inconsistent across bureaus. I requested validation under FCRA 611, but TransUnion failed to provide supporting documentation. 
Story : I never received proper billing statements nor any notice of delinquency. I believe this account XXXXay be the result of identity theft or reporting error. TransUnion refused to block this entry even after submission of my dispute, violating FCRA 605B.

Laws Violated : FCRA 1681i ( a ) : Failure to reasonably investigate FCRA 1681e ( b ) : Failure to ensure accuracy FCRA 1681b : Reporting without permissible purpose Requested Resolution : 1. Permanently delete all the above-mentioned inaccurate addresses from my credit report.

2. Remove the unauthorized hard inquiries listed above.

3. Investigate and either correct or delete all erroneous account information, especially any unverifiable or duplicate entries.

4. Provide a detailed response and documentation supporting the inclusion of any remaining items.

Supporting Law Citations : FCRA 1681e ( b ) : Requires agencies to ensure the maximum possible accuracy of reported information.

FCRA 1681i ( a ) : Requires reinvestigation of disputed items within 30 days.

FCRA 1681b ( f ) : Prohibits access to consumer reports without a permissible purpose.

FCRA 1681c ( a ) ( 4 ) : Prohibits outdated or irrelevant address reporting.

FCRA 605B : Requires blocking of information resulting from identity theft upon request. 
Declaration : I certify that all the information I have provided is true and accurate to the best of my knowledge. I respectfully request CFPB to hold TransUnion accountable and ensure these inaccuracies are addressed in compliance with federal law.

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 explanation