Consumer complaint received 2025-08-13 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: NY

Complaint narrative:
I am submitting this complaint regarding several inaccurate and unauthorized items on my TransUnion credit report that have caused significant harm to my credit score and overall financial standing. Despite multiple disputes, TransUnion has failed to correct or remove these erroneous entries, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

The issues include incorrect addresses, late payments that are not supported by my payment records, and unauthorized credit inquiries. Each of these items is a serious violation of the FCRA, which requires credit reporting agencies and furnishers to maintain accurate, complete, and verified information. 

Here are the specific accounts and issues : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Issue : Incorrect address listed on my credit report. 
Law : Under FCRA Section 609 ( 15 U.S.C. 1681g ), I am entitled to accurate personal information. Reporting a wrong address is misleading and can result in denied credit or identity confusion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Inaccurate late payments reported despite on-time payments documented in my records. 
Law : FCRA Section 611 ( 15 U.S.C. 1681i ) mandates a reasonable investigation of disputed information. Reporting unverifiable late payments violates this section. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Issue : Incorrect late payment entries not supported by any communication or documentation. 
Law : Both FCRA Section 611 and Section 623 ( 15 U.S.C. 1681s-2 ) require furnishers to report accurate information and correct errors promptly. 

XXXX XXXX XXXX XXXX XXXXXXXX Issue : Unauthorized credit inquiry dated XX/XX/XXXX. 
Law : FCRA Section 604 ( 15 U.S.C. 1681b ) restricts permissible inquiries to those authorized by the consumer. Unauthorized inquiries must be removed. 

XXXX XXXX XXXX : Unauthorized credit inquiry dated XX/XX/XXXX. 
Law : Same as above, under FCRA Section 604, unauthorized inquiries are violations and must be deleted. 

XXXX XXXX XXXX Issue : Unauthorized credit inquiry dated XX/XX/XXXX. 
Law : Unauthorized inquiry under FCRA Section 604 ; reporting this inquiry without my consent is unlawful.

The cumulative effect of these inaccuracies and unauthorized inquiries has unfairly damaged my credit profile, potentially causing higher interest rates, credit denials, and financial stress. I have submitted disputes with TransUnion and provided documentation, but the errors persist.

I request the Consumer Financial Protection Bureaus assistance in ensuring TransUnion complies with FCRA requirements by thoroughly investigating and correcting or deleting the disputed items. I also seek confirmation that unauthorized inquiries are removed immediately and that my credit report reflects only accurate, verified information. 

Thank you for your attention and support in resolving 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