Consumer complaint received 2025-06-27 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:
I am submitting this formal complaint against TransUnion for their continuous failure to maintain accurate, fair, and verifiable credit information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Despite multiple disputes and requests, TransUnion has reported erroneous and harmful information on my credit report including wrong addresses, inaccurate late payments, unlawful charge-offs, and unauthorized/inaccurate inquiries that continue to damage my financial standing. The errors below have not been investigated in accordance with the law, nor have they been corrected as required by federal statutes. 
Wrong Address Reporting Violation of 15 U.S. Code 1681e ( b ) XXXX XXXX XXXX XXXX, SC XXXX Incorrect Address XXXX XXXX XXXX, SC XXXX Incorrect Address These addresses are not associated with me in any capacity. TransUnion has failed to implement reasonable procedures to assure maximum possible accuracy, as required under the law. Reporting false address information places me at risk of identity theft, fraud, and damages my credibility with potential lenders. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$260000.00} | Late Payments Reported This account has late payments reported which are not accurate. I have made timely payments and submitted disputes but no proper reinvestigation has taken place. 
Violation : 15 U.S. Code 1681i ( a ) Failure to conduct a proper reinvestigation and correct inaccuracies. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Charge-Off This account was already resolved and closed in good standing. Reporting a charge-off is inaccurate and misleading. 
Violation : 15 U.S. Code 1681e ( b ) Reporting obsolete, misleading, and inaccurate data without proper verification. 
XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$980.00} | Charge-Off XXXX XXXXXXXX account shows charge-off status without full investigation of my disputes. The balance was in dispute due to fraudulent charges and was not validated under Section 609 of the FCRA. 
Violation : 15 U.S. Code 1681s-2 ( b ) Failure to respond to a dispute with proper verification. 
XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$860.00} | Charge-Off This account has been wrongfully charged off. No proof of debt or contractual agreement has been provided upon my request under 15 U.S. Code 1681g ( a ).

Violation : 15 U.S. Code 1681i ( a ), 1681e ( b ) Failure to verify accuracy of derogatory information. 
Hard Inquiries Without Authorization Violations of 15 U.S. Code 1681b The following inquiries were made without my consent, permissible purpose, or application for credit. I have no relationship or contract with these entities at the times listed. TransUnion has allowed these unauthorized hard inquiries which negatively affect my credit score and violate my rights under the FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Violation : TransUnion failed to verify if these inquiries were made with a legitimate permissible purpose as defined by FCRA 1681b ( f ), causing unauthorized access to my report and damaging my score and privacy. 
Conclusion and Remedy Requested : TransUnion has violated multiple sections of the Fair Credit Reporting Act by reporting inaccurate personal data, derogatory account statuses, and unauthorized inquiries. I have suffered financial loss, emotional distress, and continued damage to my credit profile as a result of TransUnions negligence and refusal to comply with federal law. I request the CFPB to : Launch an investigation into TransUnions violations Remove all the incorrect addresses, charge-offs, late payments, and hard inquiries listed above Ensure future compliance with 15 U.S. Code 1681e ( b ), 1681i, 1681b, and 1681g Provide full documentation of reinvestigation efforts as required under 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