Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint against TransUnion LLC for their continued failure to correct multiple inaccuracies on my credit report. Despite previous attempts to dispute these items directly with TransUnion, they have failed to perform a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ), and continue to report data that is false, unverifiable, outdated, and damaging to my financial life. 
Below is a full breakdown of the false items with specific issues, applicable laws violated, and real-world impact each has had on my personal and financial well-being. 
WRONG ADDRESSES REPORTED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are completely inaccurate and have no connection to me. Reporting false addresses creates a misleading identity profile and increases my risk of identity theft. 
Law Violated : FCRA 1681e ( b ) Credit bureaus must ensure maximum possible accuracy of consumer data. 
Impact : I was denied housing due to conflicting address history. Lenders questioned my identity, forcing me to undergo additional verification and suffer delays and losses. 
INACCURATE CHARGE-OFF ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Several of these accounts were : settled or partially paid disputed and unresolved not authorized by me ( potential identity theft ) duplicated ( XXXX ) minor and disproportionate to the charge-off reporting Laws Violated : FCRA 1681s-2 ( a ) : furnishers must provide accurate data FCRA 1681i : CRA must reinvestigate disputes within 30 days FCRA 1681e ( b ) : bureaus must report only verified and accurate information FACTA/FCRA 1681c-2 : identity theft victims must have fraudulent items blocked Impact : I was denied refinancing, car loans, and even lost a job opportunity due to background checks impacted by these false charge-offs My credit score dropped by over XXXX points I experienced emotional distress and financial hardship despite attempts to resolve these items directly with the creditor or bureau MISREPORTING OF BANKRUPTCY-RELATED ACCOUNTS XXXX. XXXX  XXXX Bankruptcy Ref # XXXX XXXXXXXX XXXX XXXXXXXX Accounts included in my bankruptcy continue to show balances, open status, and past-due reporting. This is false and harmful. 
Law Violated : FCRA 1681c ( k ) and CFPB post-bankruptcy guidance accounts discharged must show {$0.00} balance and included in bankruptcy.

Impact : This inaccurate reporting nullifies the fresh start granted by bankruptcy and has caused me to be denied for loans and high-interest lending options. 
UNAUTHORIZED HARD INQUIRIES XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize these hard inquiries and never applied for credit with either company. These inquiries are suspicious and possibly the result of identity misuse. 
Law Violated : FCRA 604 ( a ) ( 3 ) Hard inquiries require permissible purpose and consumer consent Impact : These inquiries reduced my credit score and triggered fraud alerts. I was forced to freeze my credit and spend time disputing something I never initiated.

Despite my repeated efforts to have TransUnion investigate and remove these inaccurate items, they have failed to comply with FCRAs dispute and reinvestigation timelines, ignored valid disputes, and left fraudulent and misleading information on my file. 
I am requesting that the CFPB intervene to ensure : 1. TransUnion conducts a full reinvestigation under FCRA 1681i 2. TransUnion removes all unverified, inaccurate, outdated, and unauthorized data 3. I receive a clean, updated copy of my credit report 4. All future reporting by furnishers is monitored for FCRA compliance Please help hold TransUnion accountable for their reckless reporting practices and ensure my rights under federal law 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