Consumer complaint received 2025-08-01 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: MD

Complaint narrative:
I am submitting this complaint due to serious inaccuracies and unverifiable entries appearing on my TransUnion credit report, which violate my rights under the Fair Credit Reporting Act ( FCRA ). Despite my attempts to correct these issues directly with the credit bureau, they continue to report false and damaging information that is negatively affecting my creditworthiness. 

Firstly, my credit report lists two addresses that I have never lived at : XXXX XXXX XXXX in XXXXXXXX XXXX XXXX and XXXX XXXX XXXX in XXXX XXXX XXXX XXXXXXXX XXXX These addresses are not connected to me in any way, and I have never provided them on any loan application, identification, or utility account. Their presence in my file raises concerns about possible file merging or identity confusion, both of which are strictly prohibited under FCRA 607 ( b ), which requires consumer reporting agencies to ensure the maximum possible accuracy of the information they maintain.

In addition to these personal information errors, there are multiple accounts reported with inaccurate or misleading late payment information. One of the most concerning is the XXXXXXXX XXXX XXXXXXXX account ( account number ending in XXXX ), which shows a recent balance of {$530000.00} and reports a late payment. In XX/XX/year>, I encountered a financial hardship due to a medical emergency and contacted the mortgage company to explain my situation and request assistance. Despite my communication and attempt to work out a solution, my credit was penalized with a late payment status. This reporting fails to take into account the context and violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information that is incomplete or inaccurate. 

A similar situation occurred with my XXXX XXXX XXXX account ( ending in XXXX ). This was a vehicle tied to a lease for a family business that has since been dissolved. The vehicle was voluntarily returned in accordance with the agreement. However, the account is still being reported with a late payment, which is unfair and inaccurate considering the asset was returned and the obligation closed. Again, this violates the FCRAs requirement for accurate and complete reporting under XXXX ( b ). 

Another issue involves my XXXX XXXX XXXX XXXX account ( ending in XXXX ). In early 2024, I lost my job unexpectedly and immediately contacted the XXXX XXXX to request hardship support. I was told that my situation would be reviewed, but during that time, my account was still reported as delinquent. Reporting a late payment during an open hardship request is highly misleading and fails to reflect the good faith effort I made to resolve the situation responsibly. 

There is also an entry from XXXX ( account ending in XXXX ), where I am being reported for a late payment I do not recognize. I was never informed of this delinquency, nor have I received any proof that it is accurate. If the furnishers can not provide verifiable documentation of the alleged late payment, it must be removed under FCRA 611 ( a ). 

Furthermore, multiple older accounts that were fully paid and closed are still being reported with late payment remarks, including my accounts with XXXX XXXX account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts all have {$0.00} balances, yet they are being used to harm my credit with derogatory marks. This is not only unfair, it also goes against the standard of maximum possible accuracy required by law. 

In addition to the above accounts, there are several hard inquiries that I did not authorize and that should not appear on my report. These include inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX. I did not apply for any credit or authorize any company to pull my credit on the inquiry dates listed. Under FCRA 604 ( a ), a consumer report may only be accessed with a permissible purpose, and I did not give my consent to these companies. These unauthorized inquiries are damaging my credit score and represent a clear violation of my consumer rights. 

I have disputed all of these items with TransUnion directly and provided sufficient explanations, but they continue to verify the entries without meaningful investigation or supporting documentation. This behavior shows noncompliance with FCRA 611 ( a ), which requires consumer reporting agencies to conduct a reasonable reinvestigation of any item disputed by a consumer. 

I am requesting that the CFPB intervene and require TransUnion to permanently delete all inaccurate addresses, correct or remove the late payment entries that can not be fully verified with documentation, and eliminate all unauthorized inquiries that were made without my knowledge or consent. I am simply asking for a fair and lawful correction of my credit file in accordance with the rights guaranteed to me under federal law. 

Thank you for your time and 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 explanation