Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am submitting this CFPB complaint against TransUnion for continued failure to investigate and delete multiple inaccurate and unverifiable items from my credit report, despite my earlier formal disputes. TransUnion has not complied with its obligations under the Fair Credit Reporting Act ( XXXX  ) XXXX U.S. Code XXXX ( a ), XXXX ( b ), and XXXX. I am demanding immediate removal and correction of the following accounts, inquiries, and addresses : Incorrect Addresses ( Violation of XXXX U.S. Code XXXX ( b ) Failure to maintain accurate information ) : XXXX XXXX AV XXXX XXXX, IL XXXX Wrong Address XXXX XXXX XXXX XXXX LA XXXX XXXX, IL XXXX Wrong Address These addresses are not mine, and I have never lived at or been associated with them. Reporting them is a violation of my rights under FCRA. TransUnion has failed to use reasonable procedures to assure maximum possible accuracy of my personal identifying information. 
Late Payments ( Violation of XXXX U.S. Code XXXX and XXXX Failure to properly investigate and report accurate account history ) : XXXXI | Acct : XXXX * * * * | Date Opened : XX/XX/XXXX | High Credit : {$1300.00} Late Payments XXXX | Acct : XXXX * * * * | Date Opened : XX/XX/XXXX | High Credit : {$2300.00} Late Payments These accounts show inconsistent and inaccurate reporting of late payments. I have previously disputed these items, and no proper investigation was conducted as required by law. The creditor failed to validate these delinquencies. XXXX continued reporting without verification violates XXXX U.S. Code XXXX ( a ) ( XXXX ) ( A ). 
Unauthorized or Excessive Hard Inquiries ( Violation of XXXX U.S. Code XXXX Permissible purpose for furnishing reports ) : XXXX XX/XX/XXXX Hard Inquiry COAF XX/XX/XXXX Hard Inquiry XXXX XXXX XX/XX/XXXX Hard Inquiry COAF XX/XX/XXXX Hard Inquiry XXXX XXXX XX/XX/XXXX Hard Inquiry These inquiries were made without my authorization or permissible purpose. According to XXXX U.S. Code XXXX ( c ), hard inquiries require consumer permission or a legitimate business need. TransUnion failed to confirm such purpose or consent before listing these inquiries on my report, causing me reputational and financial harm. 
Narrative and Background ( Pattern of Negligence & Harm ) : Despite previously notifying TransUnion about these inaccurate and harmful entries, they have refused to correct or remove them. I have faced serious emotional, financial, and reputational damage due to their negligence and repeated violations of my consumer rights. The presence of these wrong addresses, unverifiable late payments, and unauthorized inquiries have affected my ability to obtain housing, employment, and credit. I believe TransUnion has violated multiple sections of the Fair Credit Reporting Act and has failed in its duty to maintain accurate consumer records. 
Legal Violations Cited : FCRA XXXX ( b ) Failure to assure maximum possible accuracy FCRA XXXX ( a ) ( XXXX ) ( A ) Failure to reinvestigate disputed information FCRA XXXX Reporting outdated and irrelevant data FCRA XXXX Duty of furnishers to provide accurate information FCRA XXXX Lack of permissible purpose for inquiries I respectfully demand immediate deletion of the above incorrect addresses, inquiries, and unverifiable derogatory accounts from my TransUnion credit file. I further request that CFPB investigate this matter thoroughly and hold TransUnion accountable for repeated noncompliance.

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