Consumer complaint received 2025-06-19 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: MD

Complaint narrative:
I am submitting this formal complaint against TransUnion for reporting inaccurate, outdated, and unverifiable information on my credit report. I have made previous attempts to resolve these issues directly with TransUnion, but to date, they have failed to take corrective action. This includes : Reporting incorrect addresses that do not belong to me Reporting inaccurate and derogatory accounts that are unverifiable and legally non-compliant Failing to comply with FCRA Sections 602, 609 ( a ), 611, 623, and in cases of collections, FDCPA Section 807 These violations have caused significant harm to my financial well-being, including loan denials, emotional distress, and damage to my credit profile. 
XXXX. Incorrect Addresses Reported by TransUnion : XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD XXXX These addresses are completely incorrect and do not belong to me. I have no affiliation, residence history, or connection to these addresses. Reporting such addresses is a direct violation of the Fair Credit Reporting Act ( FCRA ) Section 602 ( A ) and 609 ( c ) ( 2 ) ( E ) which requires consumer reporting agencies to maintain accurate identification records.

2. Disputed Accounts and Legal Violations : XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Status : Charge-Off | High Balance : {$490.00} | Date Opened : XX/XX/XXXX This account is reported as a charge-off. However, no proper validation was provided despite requests. Reporting charged-off debt without full validation violates FCRA Section 609 ( a ) ( 1 ) and FCRA Section 623 ( a ) ( 1 ) ( A ). 
XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Status : Charge-Off | High Balance : {$810.00} | Date Opened : XX/XX/XXXX This account has been reported inaccurately with no verifiable evidence of ownership or contract. This is in violation of FCRA Section 611 ( a ) and 15 USC 1681i, which mandates proper reinvestigation and correction within 30 days. 
XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Status : Late Payments | High Balance : {$980.00} | Date Opened : XX/XX/XXXX Late payments reported without proper billing history, contractual evidence, or updated verification violate FCRA XXXX XXXX ( b ) and constitute negligent furnishing of data. 
XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX Status : Charge-Off | High Balance : {$7500.00} | Date Opened : XX/XX/XXXX This account is obsolete under FCRA Section 605 ( a ) ( 4 ). It exceeds the 7-year reporting period for adverse data and must be removed. 
XXXX XXXX XXXX Acct # XXXXXXXX XXXX Status : Collection | High Balance : {$1200.00} | Date Opened : XX/XX/XXXX This account is reported by a debt collector without full chain of title, proof of ownership, or contract. Violates FDCPA Section 807 ( 8 ) and FCRA Section 609 ( a ) ( 1 ). 
XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX Status : Collection | High Balance : {$1200.00} | Date Opened : XX/XX/XXXX This collection was reported without a debt validation notice as required under FDCPA 15 USC 1692g. Reporting this without verification is a violation of FCRA Section 623 ( a ) ( 3 ) and 609 ( a ). 
XXXX XXXX XXXX Acct # XXXX Status : Collection | High Balance : {$810.00} | Date Opened : XX/XX/XXXX This debt is unverified. No signed agreement or original creditor detail was provided. The account violates FCRA Section 611 and FDCPA 807 ( 2 ).

3. Hard Inquiry Without Authorization : Creditor : XXXX | Date : XX/XX/XXXX An unauthorized inquiry appeared from XXXX, which I did not initiate. This is a violation of FCRA Section 604 ( a ) ( 3 ). No permissible purpose exists, and I demand removal and investigation. 
Relief Requested : 1. Immediate deletion of all inaccurate and unverifiable information listed above.

2. Removal of the incorrect addresses ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) from my report. 
XXXX. Removal of the unauthorized inquiry from XXXX ( dated XX/XX/XXXX ). 
XXXX. Full investigation results provided in compliance with FCRA 611 ( a ).

5. Civil and regulatory enforcement by the CFPB for continued non-compliance by TransUnion.

Supporting Law Citations : FCRA 602 ( A ) Requires accurate and fair credit reporting FCRA 609 ( a ) ( 1 ) Right to request all information in the file FCRA 611 ( a ) Obligates agencies to reinvestigate disputed data FCRA 623 ( a ) Furnisher duty to report accurate information FDCPA 807 Prohibits false, deceptive, or misleading representations FCRA 604 ( a ) ( 3 ) Limits access to credit file to only authorized users FCRA 605 ( a ) ( 4 ) Obsolete accounts ( over 7 years ) must be removed I respectfully request the Consumer Financial Protection Bureau to investigate these ongoing and unlawful actions by TransUnion and ensure my consumer rights are upheld.

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