Consumer complaint received 2025-08-11 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: SC

Complaint narrative:
This is my second formal dispute letter to TransUnion regarding the inaccurate, outdated, and misleading information you continue to report on my consumer file. Despite my previous dispute, you have failed to conduct a lawful, thorough reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). The continued reporting of these false and unverifiable items is causing me ongoing harm, including damage to my creditworthiness, emotional distress, and denial of credit opportunities.

Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation to determine whether disputed information is accurate. Under 15 U.S.C. 1681e ( b ), you must follow reasonable procedures to assure maximum possible accuracy of the information you report. Your failure to meet these legal obligations will not be tolerated.

Below, I have clearly outlined each item in dispute, along with the legal basis for its removal and my personal account of the harm caused. 

1. XXXX XXXX XXXX, SC XXXX Wrong Address Issue : This address is incorrect and does not belong to me. 
Law : FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

Story : I have never lived at this address, yet it appears on my credit file. The inclusion of false identifying information is a direct violation of the FCRA. This incorrect address is enabling the association of unrelated accounts and inquiries to my file, damaging my reputation and credibility with lenders. In my previous dispute, you failed to correct this error despite clear evidence. Continuing to report false address information creates confusion, suggests possible identity theft, and violates my right to accurate reporting under the law. I demand its immediate removal. 

2. XXXX XXXX XXXX XXXX, SC XXXX Wrong Address Issue : This address is not associated with me in any way. 
Law : FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) Duty to follow reasonable procedures to assure maximum possible accuracy.

Story : I have never resided at this address, and no accounts legitimately linked to me should be tied to it. The continued presence of this false address after my first dispute indicates that your procedures are neither reasonable nor compliant with federal law. Incorrect address information can cause serious harm, including the wrongful attachment of fraudulent accounts and inquiries. I have already suffered embarrassment and distrust when lenders questioned my identity based on this false data. I require you to remove it immediately as mandated by the FCRA. 

3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} Late Payment * * Issue : Account reporting late payments that are inaccurate and unverifiable. 
Law : FCRA 611 15 U.S.C. 1681i ( a ) Obligation to reinvestigate disputed information ; FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) Obligation to ensure maximum accuracy.

Story : This account is reporting late payments that I dispute as inaccurate. I have requested verification and proof from the furnisher, yet no original signed contract, complete payment history, or proper validation has been provided. Continued reporting of unverifiable late payments is a violation of my rights. These inaccuracies have caused me to be denied credit and subjected to higher interest rates. The XXXX XXXX and damage to my financial standing have been significant. You are obligated by law to remove any data that can not be verified with proper documentation. 

4. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Issue : Inaccurate late payment history being reported on a closed account with XXXX balance. 
Law : FCRA 611 15 U.S.C. 1681i ( a ) ; FCRA 607 ( b ) 15 U.S.C. 1681e ( b ).

Story : This account shows late payments that are false and unverifiable. Reporting a late payment on a paid and closed account is both misleading and damaging to my credit reputation. This error unfairly portrays me as financially irresponsible when, in fact, I fulfilled my obligation in full. The presence of this false payment history is impacting my ability to secure fair credit terms. Since no valid proof has been provided after my first dispute, the law requires that this item be deleted. 

5. XXXX XXXX XXXX dated XX/XX/XXXX Issue : Unauthorized hard inquiry appearing on my credit report. 
Law : FCRA 604 ( a ) ( 3 ) 15 U.S.C. 1681b Permissible purposes of consumer reports.

Story : I never authorized this inquiry, nor did I have any existing relationship with XXXX XXXX that would justify such access to my credit file. An inquiry without a permissible purpose is a direct violation of federal law and an invasion of my privacy. This unauthorized inquiry is lowering my credit score and giving the false impression that I am seeking excessive credit. This harm is ongoing, and I require this inquirys immediate removal to prevent further damage.

In closing, I remind you that the law is on my side, and your continued failure to remove these false items is a direct violation of the Fair Credit Reporting Act. If these inaccuracies are not deleted within the 30-day period allowed under 15 U.S.C. 1681i ( a ), I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. I will also consider legal action to recover damages for your willful noncompliance.

You have been given a second opportunity to comply with the law. Do what is right, and remove these false, unverifiable, and damaging entries from my credit file immediately.

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