Consumer complaint received 2025-08-21 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 has been reporting multiple inaccurate, unverifiable, and unauthorized items on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), 1681i, and 1681b.

Despite my disputes, TransUnion continues to report accounts, addresses, and inquiries that are not mine, can not be verified, or are being reported in a misleading way. This has caused significant harm to my creditworthiness, denied me access to fair credit opportunities, and placed me under financial stress. 
Addresses being reported inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These addresses have no connection to me and create confusion about my identity, which violates the FCRAs accuracy standards.

Unverifiable or inaccurate accounts being reported : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$81.00} Reported as Chargeoff XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} Reported Late Payment XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$76.00} Reported as Chargeoff XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$330.00} Reported as Chargeoff XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$340.00} Reported as Chargeoff XXXX XXXX Account XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Balance {$0.00} Reported as Chargeoff XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$0.00} Reported Late Payments ( duplicate entries ) XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$21000.00} Reported Late Payment XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$1400.00} Reported as Chargeoff XXXX XXXX Account XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} Reported as Collection XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$5000.00} Reported as Collection XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1300.00} Reported as Collection XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$890.00} Reported as Collection XXXX XXXX XXXX. Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$510.00} Reported as Collection XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$430.00} Reported as Collection XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$500.00} Reported as Collection XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2000.00} Reported as Collection XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1300.00} Reported as Collection XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1100.00} Reported as Collection XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$110.00} Reported as Chargeoff XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$1400.00} Reported as Chargeoff XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$850.00} Reported as Chargeoff XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$430.00} Reported as Chargeoff Unauthorized hard inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were never authorized by me and violate FCRA 1681b, which requires a permissible purpose for pulling a consumers credit report.

Summary of harm : TransUnion has failed to maintain maximum possible accuracy, failed to properly reinvestigate, and continues to report unverifiable, inaccurate, and unauthorized information. This has lowered my credit score, harmed my reputation, and limited my ability to obtain credit, housing, and financial opportunities.

Resolution Requested : I am requesting that the CFPB require TransUnion to immediately delete all unverifiable addresses, accounts, and inquiries listed above. If TransUnion can not provide legally sufficient verification, they must permanently remove these items. I also request that CFPB ensure TransUnion complies with its reinvestigation obligations under FCRA, and provide me with written confirmation once the inaccurate data has been deleted.

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