Consumer complaint received 2025-08-16 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 because TransUnion is reporting multiple inaccurate and unverified items on my credit file, and despite my rights under the Fair Credit Reporting Act ( FCRA ), these items remain on my report. The inaccuracies include false addresses, late payments that are not mine, a charge-off that is not accurate, collections that I do not owe, and multiple unauthorized inquiries. These errors have caused serious harm to me, both financially and emotionally. 

TransUnion is reporting addresses that I have never lived at, including XXXX XXXX, XXXX, TX XXXX and XXXXXXXX XXXX XXXXXXXX, TX XXXX. These false addresses suggest file commingling or potential identity theft, and they create a misleading profile of my residence history. This violates FCRA Section 609 ( a ) and Section 607 ( b ), which require accurate and verifiable reporting. 

There are also accounts showing inaccurate late payments, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} ) and XXXX XXXX XXXX ( opened XX/XX/XXXX with a balance of {$32000.00} ). These late payment notations are incorrect. I have maintained responsible payments, and yet TransUnion is reporting me as delinquent. This is a direct violation of FCRA Section 623, which prohibits furnishers from reporting inaccurate information, and Section 611, which requires proper reinvestigation when an item is disputed. These false late payments have damaged my credit history, leading to denials for credit and creating unnecessary stress in my daily life. 

In addition, XXXX  ( opened XX/XX/XXXX, balance {$100.00} ) is being reported as a charge-off. This is not correct and has never been verified with documentation. Reporting an account as a charge-off when it is not is highly misleading and damaging. A charge-off is one of the most negative marks on a credit report, and this false listing paints me as someone who does not honor obligations when that is not the case.

TransUnion is also reporting two separate collection accounts from XXXX XXXX ( accounts opened XX/XX/XXXX, balances of {$740.00} and {$1500.00} ). I do not recognize these debts, nor do I have any contractual obligation with XXXX XXXX. These are not my accounts. Reporting these collections violates FCRA Section 609 and 611, and it may also violate the FDCPA since debt collectors can not attempt to collect debts not owed. Having false collections reported has humiliated me when explaining them to lenders and has directly harmed my chances of qualifying for credit. 

Finally, there are several unauthorized inquiries being reported, including XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), XXXX XXXX XXXX XXXXXX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ). I never authorized these companies to pull my credit. FCRA Section 604 makes clear that inquiries must be tied to a permissible purpose. These inquiries were made without my consent, and they have lowered my score and created the appearance that I am aggressively seeking credit, which is false.

These combined errors show that TransUnion has not complied with its legal obligation to maintain maximum possible accuracy under FCRA Section 607 ( b ). The reporting of false addresses, false late payments, a false charge-off, false collections, and unauthorized inquiries has caused me severe financial harm, emotional distress, and reputational damage. My credit score has been unfairly lowered, I have been denied credit opportunities, and I have faced unnecessary embarrassment in financial situations because of information that is simply not mine or not accurate. 

I am requesting that the CFPB take action to ensure that TransUnion follows the law by properly reinvestigating these items and removing all inaccurate and unverifiable information from my file. I also request that TransUnion be held accountable for the ongoing harm caused by these reporting failures.

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