Consumer complaint received 2025-07-06 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:
I am submitting this formal complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to failure to maintain accurate and verifiable data on my credit report, failure to conduct reasonable investigations of disputed information, and reporting accounts and inquiries without proper authorization or permissible purpose. Despite repeated efforts to address these inaccuracies, TransUnion has continued to publish harmful and false data which has negatively impacted my creditworthiness, financial opportunities, and emotional well-being. 
TransUnion is currently reporting multiple addresses on my credit file that are completely inaccurate, never belonged to me, and have no verified connection to my identity or residence history. The addresses in question are XXXX XXXX XXXX, XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, XXXX, MI XXXX ; and XXXXXXXX XXXX XXXX XXXXXXXX, MI XXXX. I have never resided at these addresses, and their inclusion constitutes a violation of 15 U.S.C 1681e ( b ) of the FCRA which mandates consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These incorrect addresses may have allowed mixed file reporting or identity confusion, which has further led to the wrongful association of negative accounts and inquiries on my credit report. 
Additionally, the following accounts are inaccurately reported and/or were included without proper validation or due process : XXXX ( Account Number : XXXX XXXX XXXX XXXX XXXX  ), Date Opened : XX/XX/XXXX, XXXX : {$0.00} is being reported with derogatory late payment status. This account should not be reporting negative information as it reflects a zero balance. The continued reporting of derogatory payment history after closure violates 15 U.S.C 1681i ( a ), which requires reinvestigation of any disputed item and prompt correction or deletion of unverifiable or inaccurate data. 
XXXX ( Account Number : XXXX XXXX XXXX XXXX XXXX ), Date Opened : XX/XX/XXXX, XXXX : {$1200.00} is listed as a charge-off. This account was never authorized by me and I was never notified of any collection or default process. Reporting this charge-off without proper validation, proof of debt, or authorization is a violation of 15 U.S.C 1681b ( a ) ( 2 ) and 1681i ( a ). This erroneous reporting has severely damaged my credit standing and must be removed. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ), Date Opened : XX/XX/XXXX, Balance : {$1600.00} is being reported as a collection account. I never had any contract or relationship with XXXX XXXX or XXXX. XXXX, and this debt was never validated. This violates both 15 U.S.C 1681e ( b ) and 1692g of the FDCPA which require validation of debt and accurate reporting. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ( Account Number : XXXX XXXX XXXX XXXX XXXX ), Date Opened : XX/XX/XXXX, Balance : {$4400.00} is another collection listed inaccurately. I never applied for or received services from XXXX XXXX XXXX XXXX associated with this debt. This account is unverified and its continued reporting constitutes willful negligence under FCRA 1681n and deceptive practices under 1681s-2. 
Furthermore, multiple unauthorized hard inquiries were made to my TransUnion credit report without my knowledge or consent on the following dates and by the following entities : 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me nor were they made in connection with any application for credit, employment, or insurance. Reporting such inquiries without permissible purpose is a violation of FCRA 1681b ( c ) and 1681b ( f ). They are damaging my credit score and need to be removed immediately.

TransUnion has failed to meet its legal obligations under the FCRA including but not limited to 15 U.S.C 1681e ( b ) for failure to maintain maximum possible accuracy, 1681i for failure to investigate and delete unverified items, and 1681b for allowing access to my credit report without permissible purpose. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter urgently and direct TransUnion to permanently delete all inaccurate addresses, unverified derogatory accounts, and all unauthorized hard inquiries from my credit file. I am also requesting a full reinvestigation and validation of all accounts mentioned above, along with written confirmation of each deletion or correction.

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