Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
I am filing this complaint because my TransUnion credit report is filled with inaccurate, unverifiable, and potentially fraudulent information that is damaging my financial reputation. I have repeatedly reviewed my credit file and discovered multiple accounts and addresses that do not belong to me or have been reported incorrectly, yet TransUnion has failed to ensure maximum possible accuracy as required under the Fair Credit Reporting Act ( FCRA ). 

The address XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX is showing on my credit file, and I have never lived there, nor do I have any connection to this location. This is a serious error and suggests a mixed file or identity theft, and TransUnion has no valid reason to continue reporting this address. 

There are also several charge-off accounts that I do not recognize, including XXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a reported high balance of {$8300.00} opened on XX/XX/XXXX, XXXX XXXX  account number XXXX with a reported high balance of {$12000.00} opened on XX/XX/XXXX, and XXXX XXXX  account number XXXX with a reported high balance of {$31000.00} opened on XX/XX/XXXX. I have not been shown any original signed contracts or statements proving these debts belong to me. Reporting these as valid charge-offs without providing verification is misleading, harmful, and in violation of FCRA 607 ( b ) and 611 ( a ). 

In addition, there are multiple accounts from XXXX  all showing late payments, yet no records have been provided to prove that I was ever late or that I was properly notified. These accounts include XXXX  account number XXXX with a reported high balance of {$3500.00} opened on XX/XX/XXXX, XXXX  account number XXXX with a reported high balance of {$3500.00} opened on XX/XX/XXXX, XXXX  account number XXXX with a reported high balance of {$5500.00} opened on XX/XX/XXXX, and XXXX  account number XXXX with a reported high balance of {$4300.00} opened on XX/XX/XXXX. These repeated errors show a failure to maintain accurate reporting standards, and they are damaging my creditworthiness. 

Lastly, there is a collection account from XXXX XXXX, account number XXXX, with a reported balance of {$180.00} opened on XX/XX/XXXX. I have no knowledge of this collection, was never contacted about it, and have never been provided documentation proving that this debt is mine. Reporting this account without verification is a violation of my rights under both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that the Consumer Financial Protection Bureau investigate these issues and hold TransUnion accountable for its repeated failure to verify and correct inaccurate information. The reporting of these false addresses, charge-offs, late payments, and collections is unfair and harmful to my ability to access credit. I am asking that all unverifiable and fraudulent items be permanently deleted from my report and that TransUnion provide proof of compliance with federal 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