Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
I am submitting this formal complaint against TransUnion for multiple ongoing violations under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. TransUnion has willfully and negligently reported inaccurate, outdated, and unverifiable information on my credit report despite my prior attempts to dispute these inaccuracies. These actions have caused me emotional distress, loss of credit opportunities, and financial harm. Below are the specific details of the inaccurate accounts and information being reported along with the legal basis for each : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address has no connection to me and was reported in error. Reporting false personal identifying information violates FCRA 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Wrong Address This is another inaccurate address that does not belong to me and has been reported in error, constituting a breach of FCRA 1681c ( a ) ( 4 ) which prohibits the inclusion of false or outdated identifying information. 
XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$65000.00} This account is being inaccurately reported with late payment notations that are not valid. I have requested validation and proof of these late payments, but none has been provided. Reporting such derogatory marks without proper investigation violates FCRA 1681i ( a ) and 1681e ( b ) requiring reinvestigation and accuracy. 
DEPT OF EDUCATIONXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} This account is showing erroneous late payments even though the account was placed in forbearance and no late payment should be reported during this period. This reporting is not only misleading but a direct violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) which restricts furnishing of information known to be inaccurate. 
DEPT OF EDUCATIONXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00} Again, this is another duplicate entry with the same account number but different balance, reflecting inconsistency and lack of validation, which violates FCRA 1681e ( b ). Furnishing conflicting or duplicate information also violates FCRA 1681i which mandates proper dispute handling and reinvestigation. 
XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} This account is being reported with multiple late payments which I dispute. I have requested evidence and billing statements verifying these delinquencies, but TransUnion failed to comply. This violates FCRA 1681i and 1681s-2 which obligate furnishers and bureaus to report only accurate and verifiable information. 
XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} This is being reported as a collection account, which I do not recognize nor was I ever notified about. Reporting a debt without validation and proper notice violates the FCRA and the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), as well as FCRA 1681e ( b ) for lack of accuracy. 
XXXX Inquiry Dated : XX/XX/XXXX This inquiry was made without my authorization or permissible purpose. Under FCRA 1681b ( c ), credit inquiries require a specific legitimate reason and consumer consent. This inquiry is unauthorized and must be removed. 
XXXX XXXX  Inquiry Dated : XX/XX/XXXX I did not authorize this inquiry, nor did I initiate any application with this business. Reporting such inquiries without consumer consent violates FCRA 1681b. 
XXXX XXXX  Inquiry Dated : XX/XX/XXXX This hard inquiry was not initiated by me and is inaccurate. TransUnion has failed to provide documentation showing my authorization. This constitutes a breach of FCRA 1681b ( a ) ( 3 ). 
XXXXXXXX XXXX XXXX Inquiry Dated : XX/XX/XXXX I have no recollection or documentation supporting this inquiry. I demand proof that this was a valid, consumer-authorized inquiry or it should be deleted under FCRA 1681b. 
These violations collectively demonstrate a pattern of negligence, inadequate verification, and failure to maintain reasonable procedures to ensure the maximum possible accuracy of the information TransUnion is reporting, in violation of FCRA 1681e ( b ), 1681i ( a ), and 1681s-2. I am requesting the Consumer Financial Protection Bureau to investigate these violations and take necessary enforcement actions against TransUnion. I also request immediate deletion or correction of all inaccurate and unverifiable information mentioned above and that I be provided a complete reinvestigation report within the time required by law.

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