Consumer complaint received 2025-07-11 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: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against TransUnion LLC for repeated and willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically in regard to their failure to correct or remove inaccurate, outdated, and unverifiable items from my credit report despite multiple dispute attempts over the last several months. This is now my XXXX round of disputes, and TransUnion continues to ignore my rights and obligations under federal law. 

I am requesting that the CFPB take immediate action to investigate these persistent violations and enforce compliance. The following are the unresolved and inaccurate items currently being reported by TransUnion : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$6300.00} Issue : This account is reporting multiple late payments that occurred during a COVID-19 forbearance period. The servicer confirmed accommodation, yet TransUnion continues to reflect late payments in violation of the CARES Act Section 4021 and FCRA Section 623 ( a ) ( 1 ) ( A ). The information is not only inaccurate but misleading, and previous documentation has been ignored. 

XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX  Issue : This is an unauthorized inquiry. I never applied for credit or gave consent for this entity to access my report. Under FCRA Section 604 ( a ) ( 3 ), inquiries must be made for a permissible purpose with consumer consent, which did not occur here. 

XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX Issue : This is also an unauthorized inquiry. I had no interaction or application with XXXX XXXX. The hard inquiry was made without my consent, violating FCRA Section 604 ( c ) ( 1 ) ( A ), which requires written instruction or application by the consumer. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, UT XXXX Issue : This address is not mine and has never been part of my residential history. Its continued presence on my credit report misrepresents my identity and violates FCRA Section 607 ( b ) which mandates data furnishers to ensure maximum possible accuracy of consumer information. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Issue : This is another incorrect address unrelated to me. I have never resided at or been associated with this location. This inaccuracy risks future misreporting or identity confusion and represents a direct violation of FCRA Section 602 ( A ) and 611 ( a ). 

Summary of Non-Compliance : TransUnion has repeatedly failed to meet their obligations to correct or delete inaccurate, incomplete, or unverifiable information under FCRA Section 611. My previous disputes were either ignored, superficially " verified '' without explanation or documentation, or not reinvestigated in good faith. These actions have caused damage to my credit score, personal reputation, and financial opportunities.

Resolution Requested : I am requesting that the CFPB enforce compliance by requiring TransUnion to : Delete the inaccurate addresses and unauthorized inquiries.

Correct or remove the late payments reported during the accommodation period on the XXXX account. 

Provide documentation of their reinvestigation processes and furnishers ' verification, as required by law. 

Be penalized for continued non-compliance and failure to fulfill their legal obligations. 

I have retained records of all previous disputes, correspondence, and supporting evidence submitted to TransUnion. 

Thank you for your time and attention to this matter.

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