Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
I am filing this complaint against TransUnion because my credit report is showing multiple false, inaccurate, and unverified items that are severely damaging my credit standing. TransUnion has failed to ensure that my credit file reflects accurate and verifiable information as required under the Fair Credit Reporting Act. My report is showing two wrong addresses, XXXX XXXX XXXX, CA XXXX, and XXXX XXXX XXXX, CA XXXX, which I have never lived at or been associated with. These addresses are completely incorrect and must be removed. 

In addition, TransUnion is reporting several accounts that I have absolutely no knowledge of and never opened. These accounts are XXXX XXXX XXXX XXXX XXXX, showing a charge-off with a high balance of {$2600.00} opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a charge-off with a balance of {$3100.00} opened on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, showing a charge-off with a balance of {$25000.00} opened on XX/XX/XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  showing a charge-off with a balance of {$1000.00} opened on XX/XX/XXXX. I have no connection to these accounts, never applied for them, and never authorized any of these creditors to open accounts in my name. These appear to be either identity-related or reporting errors, and I am requesting that TransUnion immediately delete them from my credit file. 

My report also contains false payment information for an account listed as XXXX XXXX XXXX XXXX XXXX XXXX, with a high balance of {$22000.00} and opened on XX/XX/XXXX. This account is showing late payments that are completely untrue. I have never made any late payments, and TransUnions failure to verify accurate payment history is damaging my reputation and creditworthiness.

Furthermore, there are multiple unauthorized inquiries listed on my report that I never approved, including inquiries from XXXX XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, and XXXX dated XX/XX/XXXX. I did not apply for credit with any of these companies and did not give permission for these inquiries to be made. These hard inquiries were performed without my authorization and must be removed. 

All of these items the wrong addresses, fraudulent accounts, inaccurate late payment reporting, and unauthorized inquiries are serious violations of the Fair Credit Reporting Act. I have already requested TransUnion to conduct a reinvestigation and correct or delete these errors, but they have failed to take appropriate action. I am requesting that the CFPB investigate this matter and ensure that TransUnion deletes all the inaccurate, unverifiable, and unauthorized information from my credit report immediately and provides me with a corrected copy.

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