Consumer complaint received 2025-09-28 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: TX

Complaint narrative:
I am filing this complaint because my consumer rights under the Fair Credit Reporting Act ( FCRA ) are being continuously violated by TransUnion and the furnishers reporting inaccurate, unverifiable, and false information on my credit file. Despite my right under 15 U.S.C. 1681e ( b ) to have maximum possible accuracy in my report, my file contains false addresses, unverifiable charge-off accounts, collections that I have no knowledge of, false late payment histories, and even unauthorized inquiries. These errors have already caused me severe financial harm, loss of opportunities, and emotional distress. 

My report is polluted with addresses that are not now and have never been associated with me, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX. The presence of these false addresses is dangerous because it exposes me to potential fraud and misrepresentation. Under FCRA 609, only accurate identifying information is permitted, and their presence is a clear violation of my rights. 

My credit file is also reporting multiple charge-off accounts that I have no knowledge of, which is a direct violation of FCRA 611 since unverifiable accounts must be deleted. These include XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$320.00}, XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$11000.00}, XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$0.00}, XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$0.00}, XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$4900.00}, XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$0.00}, and XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$0.00}. These accounts are not mine and the law requires that they be removed immediately if they can not be verified with concrete evidence. 

Additionally, my file is showing late payment histories that are completely inaccurate and harmful. The XXXX XXXX, XXXX account number XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$0.00}, the XXXX  account number XXXXXXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$0.00}, and the XXXX XXXX, XXXX account number XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$5000.00} are all reporting late payments that never occurred. I have never been late on these accounts, and under FCRA 1681e ( b ), consumer reporting agencies must assure maximum accuracy. Reporting false delinquencies is unlawful, and it has harmed my credit reputation severely. 

My report also shows collection accounts that I have no knowledge of. XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$140.00}, XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX  opened XX/XX/XXXX with a balance of {$3400.00}, XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$1000.00}, XXXX XXXX XXXX account number XXXX XXXX  opened XX/XX/XXXX with a balance of {$1000.00}, XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$1400.00}, XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$0.00}, and XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$110.00} are all inaccurate and unverifiable. Under FCRA 1681i, when a consumer disputes such accounts, the credit reporting agency must delete them if they can not be verified. None of these accounts belong to me and they must be deleted. 

On top of these issues, my credit file shows unauthorized inquiries, such as XXXX XXXX dated XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX. I never authorized these inquiries, and FCRA 604 ( a ) ( 3 ) clearly states that inquiries without permissible purpose are prohibited. These are unlawful and damaging to my credit. 

The continuous reporting of these inaccurate and unverifiable items demonstrates reckless disregard for the accuracy requirements of the FCRA. The law requires a reinvestigation and deletion of unverifiable information within thirty days under FCRA 611 ( a ), yet these items continue to appear. Their presence has not only lowered my credit scores but has also prevented me from accessing fair financial opportunities, housing, and credit approvals. The damages extend beyond financial to emotional stress and reputational harm. 

I am demanding that the CFPB take immediate enforcement action to ensure that TransUnion and the furnishers comply with their legal obligations. Every account, address, collection, and inquiry listed above that can not be verified with proper evidence must be deleted from my credit file. Failure to uphold the law will only further the injury I have already suffered. The FCRA was enacted to protect consumers like myself, and I expect strict enforcement to restore my rights.

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