Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I applied for a XXXX XXXX XXXX XXXX ( XXXX ) credit card in early 2025 and was denied. Shortly after my application, I was surprised to receive an alert ( via XXXX XXXX XXXX ) indicating that TransUnion had recorded an Employment Update or Inquiry listing my employer as XXXX  with no valid address ( shown as undefined, undefined ). I never worked for any organization named XXXX, and I did not consider any trust-related activity in my application to be formal employment. In the credit card application, I simply noted a fiduciary role with a family trust ( not paid employment ), and I did not intend for XXXX to report XXXX  as an employer. I did not authorize or request any employment update to be sent to the credit bureaus. 
On ( approximate date ) I submitted my XXXX credit card application. 
I was notified of a denial on that same application. 
On XX/XX/year> I discovered ( via a credit monitoring alert ) that TransUnion had logged an Employment Update from XXXX : it showed Employer : XXXX  with address fields undefined, undefined. 
This update is false : I have never been employed by any entity called XXXX, and no such employer exists. 

Description of the Inaccuracy and Concerns The entry reported by XXXX is clearly inaccurate and misleading. It suggests that I had an employer named XXXX, which is false. The incomplete address ( undefined ) further shows this is a system error. I have never identified XXXX  as an employer on any credit application or provided XXXX with any employer information that should be interpreted in that way. My only connection to a XXXX  is personal/fiduciary ( managing a family trust ), not a job. I did not intend to convey employment ; I certainly did not authorize XXXX to treat it as such. 

This erroneous report could have serious consequences. Inaccurate employment information may confuse lenders or future employers who review my credit profile, and it undermines the integrity of my credit report. It also appears to have been triggered only after my denial, raising concerns about XXXX  internal processes. If any adverse action ( like the credit denial ) was based even partly on this erroneous data, I should have been properly informed under FCRA rules. In any case, FCRAs fundamental goal is accuracy and fairness in credit reporting, and this XXXX entry clearly violates that.

Applicable Legal Standards ( Fair Credit Reporting Act ) The Fair Credit Reporting Act ( FCRA ) requires that consumer reports be accurate and fair. For example, Section 1681e ( b ) of the FCRA mandates that a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual In addition, the CFPBs summary of consumer rights under FCRA makes clear that consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days XXXX XXXX, as a furnisher of information to credit bureaus, is likewise bound by FCRA. 15 U.S.C. 1681s-2 ( a ) expressly prohibits furnishers from providing information to any credit reporting agency if they know or have reasonable cause to believe that the information is inaccurate By reporting XXXX as my employerwhen that is falseXXXX XXXXXXXX appears to have violated these duties. The false employment entry is not something I provided to XXXX with that meaning ; it was created by their system in error. Even if the error was unintentional, FCRA requires furnishers to ensure accuracy. If XXXX becomes aware of any dispute or reason to doubt the accuracy ( for example, a consumers dispute ), it must promptly investigate and correct it.

In short, FCRAs accuracy obligations apply here. TransUnion ( as a credit reporting agency ) must maintain accurate files and correct errors, and NFCU ( as a furnisher ) must not supply false data The current XXXX entry violates these standards and undermines my rights.

Impact and Further Concerns This inaccurate report has harmed me by misrepresenting my employment history. I am concerned it could negatively affect future credit or job applications if a lender or employer sees this false employer listed on my credit report. It also damages my trust in XXXX XXXX handling of personal data. I did not consent to any employment update beyond what I actually provided, so this entry was both unauthorized and erroneous.

I worry that similar errors could happen again if XXXX XXXX systems misinterpret applicants information. It is important for the CFPB to ensure that XXXX XXXX reviews and corrects its reporting processes so that consumers do not get misrepresented. Up-to-date and accurate information in credit files is essential for fair lending decisions, and FCRA is clear that consumer reports must not contain misinformation Requested Resolution I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure compliance with FCRA : Investigation : Examine XXXX XXXX XXXX XXXX  reporting of my account to TransUnion ( and other bureaus ) to confirm that the XXXX  employment entry is erroneous. Determine how and why this false data was furnished. 
Correction/Removal : Require XXXX XXXX to promptly remove or correct the Employer : XXXX  entry ( and its undefined address ) from my credit file at TransUnion and any other credit bureau . If I am not employed by any entity, XXXX should update the record to reflect that accurately ( for example, leaving employment blank or as XXXX if appropriate ). 
Verification Procedures : Direct XXXX XXXX to review its data collection and reporting practices. They should implement reasonable procedures to prevent such inaccuracies ( for example, clarifying application questions or staff training so that a XXXX  affiliation isnt misreported as employment ).

Notification : Ensure that I am informed in writing of the actions taken to correct this error. CFPB should confirm that my credit profile has been updated and that my rights under FCRA are protected

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