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: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against TransUnion LLC for their continued reporting of inaccurate, outdated, and unverifiable information on my credit report, despite my previous dispute efforts. TransUnion is violating several provisions of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i ( a ) and 1681e ( b ), by failing to maintain accurate records and conduct a reasonable investigation. 

The following inaccurate and harmful items are still being reported on my TransUnion credit file : XXXX XXXX XXXX XXXX Late Payment * * This account reflects late payments despite being closed with a {$0.00} balance. It is misleading and harmful, especially given the account has no current activity or creditor relationship. Reporting derogatory history on a fully paid and closed account violates FCRA 1681e ( b ) due to its inaccuracy and lack of verifiable basis. 

XXXX XXXX XXXX XXXX XXXX  Charge-off * * This charge-off account reflects a {$0.00} balance with no supporting documentation to prove its validity. I never received proof of debt or any documentation verifying the account. TransUnion failed to provide proper verification, violating FCRA 1681i ( a ) which requires a reinvestigation and deletion if verification is not possible. 

XXXX XXXX XXXXXXXX XXXX XXXX  Charge-off * * This item is outdated and unverifiable. The creditor has not furnished any current updates or proof of ownership, and the debt is no longer collectible. Reporting obsolete or unverifiable information is a violation of FCRA 1681e ( b ). 

XXXX XXXX Inquiry dated XX/XX/year> This hard inquiry appeared on my credit report without my knowledge or consent. There is no permissible purpose under FCRA 1681b for this inquiry, and TransUnion failed to provide proof of authorization. This inquiry is unauthorized and must be removed. 

Wrong Addresses : XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX, MI XXXX These addresses are not associated with me and are entirely incorrect. TransUnions failure to remove these false personal identifiers is a serious breach of FCRAs duty to ensure maximum possible accuracy of consumer information. 

Despite sending a dispute letter, TransUnion either failed to investigate properly or continued reporting these inaccuracies without substantiation. I am requesting that the CFPB hold TransUnion accountable and ensure that the following actions are taken : Immediate removal of the inaccurate late payment and charge-off accounts listed above Deletion of the unauthorized hard inquiry Correction of all false addresses and personal information Full compliance with the FCRA including providing me with the results of any reinvestigation TransUnions failure to comply with the law is negatively impacting my creditworthiness and financial wellbeing. I urge the CFPB to investigate this matter promptly and take appropriate enforcement action to prevent further violations.

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