Consumer complaint received 2025-06-28 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: MI

Complaint narrative:
To Whom It May Concern, This is a formal complaint against TransUnion for gross inaccuracies, negligence in reporting, and repeated FCRA violations that have caused me ongoing financial and emotional harm. TransUnion has failed to ensure the maximum possible accuracy of the information they report as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681e ( b ). I have attempted to resolve these matters directly with TransUnion but have received no meaningful resolution. Below is a list of accounts and inquiries with issues, along with applicable legal citations and a summary of my experience.

INCORRECT ADDRESSES FCRA VIOLATION ( 15 U.S. Code 1681e ( b ) ) These addresses are inaccurately reported on my credit file. I have never lived at these locations, nor have I ever used them for any credit-related activity. Their presence violates the requirement that consumer reporting agencies maintain accurate records. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( Reported : XX/XX/XXXX ) Wrong Address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( Reported : XX/XX/XXXX ) Wrong Address XXXX XXXX XXXX XXXX, MI XXXX Wrong Address These false addresses could potentially tie me to fraudulent or misreported accounts and severely damage my creditworthiness. TransUnion has continued reporting them despite disputes. 

ACCOUNTS WITH NEGATIVE REPORTING AND ASSOCIATED ISSUES Each of the following accounts has either inaccurate information, outdated status, unverifiable data, or erroneous reporting that violates FCRA 15 U.S. Code 1681i and 1681s-2 ( b ). 
XXXX XXXX ( Acct : XXXX ) Date Opened : XX/XX/XXXX | Balance : {$3000.00} Issue : Reported late payments with no supporting documentation. The account was in deferral during the reported period. 
Law Violated : FCRA 1681i ( a ) ( 1 ) ( A ) failure to reinvestigate disputed information. 
Story : I was experiencing hardship and contacted XXXX XXXX for assistance ; they confirmed accommodation but TransUnion continues to report lates, affecting my score and opportunities. 
XXXX XXXX XXXX ( Acct : XXXX ) Date Opened : XX/XX/XXXX | Balance : {$670.00} Issue : Collection account for a debt that was already paid or disputed with the original creditor. 
Law Violated : FCRA 1681e ( b ) inaccurate data not updated even after dispute. 
Story : I resolved this with the original medical provider directly. XXXX was never authorized to collect, yet TransUnion allowed reporting of an invalid collection. 
XXXX, XXXX XXXX XXXX ( Acct : XXXX ) Date Opened : XX/XX/XXXX | Balance : {$790.00} Issue : Inaccurate collection item with no supporting contract, consent, or full account history. 
Law Violated : FDCPA 809 ( b ) ; FCRA 1681i Story : This debt was never validated. I requested documentation multiple times. TransUnion ignored my request to investigate and delete the unverifiable entry. 
XXXX XXXX ( Acct : XXXX ) Date Opened : XX/XX/XXXX | Balance : {$79000.00} Issue : Late payments reported during a COVID-19 administrative forbearance period. 
Law Violated : CARES Act Section 4021 ; FCRA 1681s-2 Story : The government paused student loan payments ; however, TransUnion allowed late payments during that protected time, which is unlawful under CARES Act regulations. 
XXXXXXXX XXXX  ( Acct : XXXX ) Date Opened : XX/XX/XXXX | Balance : {$0.00} Issue : Inaccurate late payment reporting on a closed account. 
Law Violated : FCRA 1681c ( a ) ( 4 ) obsolete information Story : This card was paid in full and closed years ago, yet TransUnion allowed old, incorrect data to remain. This misleads lenders and damages my credit profile unfairly. 
XXXX XXXX XXXX ( Acct : XXXX ) Date Opened : XX/XX/XXXX | Balance : {$0.00} Issue : Charge-off reported despite vehicle being returned through voluntary surrender with agreement. 
Law Violated : FCRA 1681s-2 ( b ) ; CFPB rules on auto loan reporting Story : XXXX accepted voluntary return with a zero-balance negotiation. TransUnion continues to report it as a charge-off, which is misleading and inaccurate. 

UNAUTHORIZED & EXCESSIVE HARD INQUIRIES FCRA 1681b ( c ) I did not authorize the following hard inquiries. These affect my credit score and may constitute a privacy violation. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Many of these inquiries were not initiated or authorized by me. They either stem from fraud, predatory marketing tactics, or internal system errors. 
Law Violated : FCRA 1681b ( a ) permissible purpose not established. 
Story : These companies performed hard pulls on my report without consent. Despite disputes, TransUnion refuses to remove these inquiries. 

CLOSING STATEMENT TransUnion has repeatedly failed in its legal duty under the FCRA to maintain accurate and verifiable information. This has caused me significant distress, financial loss, and credit denials. I am requesting the CFPB to investigate this matter and compel TransUnion to : 1. Remove all incorrect addresses.

2. Delete unverifiable or inaccurately reported accounts.

3. Remove unauthorized hard inquiries.

4. Provide full reinvestigation results in compliance with FCRA timelines.

Failure to correct these violations may result in further legal action.

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