Consumer complaint received 2025-09-25 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:
This is a formal complaint regarding TRANSUNIONs unlawful reporting of inaccurate, unverifiable, and unauthorized information on my consumer credit file. The continued publication of these entries constitutes violations of the Fair Credit Reporting Act ( FCRA ), Georgia State law, and U.S. Federal law. The following accounts and inquiries are at issue : ACCOUNTS REPORTED IN VIOLATION XXXX XXXX XXXX. Acct XXXX. XXXX Opened XX/XX/XXXX Balance {$0.00} Closed/Credit Card Reported as Charged Off without proper verification. 

XXXX XXXX XXXX Acct No. XXXX Opened XX/XX/XXXX Balance {$0.00} Closed/Credit Card Reported as Charged Off inaccurately. 

XXXX XXXX XXXXXXXX Acct No. XXXX Opened XX/XX/XXXX XXXX {$11000.00} Closed/Credit Card Reported with multiple late marks 30/60/90/120/180 days in XXXX without valid substantiation. 

XXXX Acct XXXX. XXXX Opened XX/XX/XXXX Balance {$5300.00} Closed/Credit Card Reported as Charged Off. 

XXXX XXXX XXXX XXXX Acct No. XXXX Opened XX/XX/XXXX Balance {$6600.00} Closed/Credit Card Reported as Charged Off. 

XXXX XXXX Acct XXXX. XXXX Opened XX/XX/XXXX Balance {$15000.00} Closed/Credit Card Reported as Charged Off. 

XXXX XXXX  Acct XXXX. XXXX Opened XX/XX/XXXX Balance {$12000.00} Closed/Credit Card Reported as Charged Off. 

XXXX XXXX XXXX Acct No. XXXX Opened XX/XX/XXXX Balance {$7600.00} Closed/Credit Card Reported as Charged Off. 

UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized by me and constitute unlawful access and use of my consumer report without a permissible purpose. 

VIOLATIONS OF FEDERAL LAW FCRA 1681e ( b ) : TRANSUNION failed to assure maximum possible accuracy by reporting unverifiable charge-offs, false late payments, and derogatory notations. 

FCRA 1681i ( a ) : TRANSUNION failed to conduct lawful reinvestigations and continued to report disputed data without verification.

FCRA 1681s-2 ( b ) : Furnishers and TRANSUNION jointly failed to correct or delete data that could not be substantiated.

FCRA 1681b ( f ) : The above unauthorized inquiries were made without permissible purpose, constituting unlawful access to my credit file. 

Federal Unfair & Deceptive Practices Law : Misreporting accounts and allowing unauthorized inquiries constitute deceptive and unfair practices causing financial harm. 

VIOLATIONS OF GEORGIA STATE LAW Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 et seq. ) : By maintaining and publishing misleading credit data, TRANSUNION engaged in unfair and deceptive acts against a Georgia consumer.

Georgia Credit Reporting Obligations : TRANSUNION failed to correct or delete inaccurate and unverifiable data, violating state-level duties to ensure fairness and accuracy in consumer reporting. 

Negligence & Defamation ( Georgia Common Law ) : Publishing false account data and unauthorized inquiries constitutes negligence and defamation, causing reputational and financial injury.

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