Consumer complaint received 2025-06-28 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: MD

Complaint narrative:
I am filing this complaint against TransUnion for reporting inaccurate and unverifiable information on my credit report, despite my formal dispute and request for reinvestigation under the Fair Credit Reporting Act ( FCRA ).

I submitted a dispute directly to TransUnion regarding the following issues on my report : Wrong addresses reported : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX I have never lived at these addresses. Reporting incorrect personal information violates FCRA 1681e ( b ), which requires consumer reporting agencies to ensure the maximum possible accuracy of the information they report. 

Inaccurate late payments reported on multiple accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date XXXX Balance : {$530000.00} reports a late payment that is incorrect XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX Date XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Date XXXX XXXX XXXX {$0.00} These accounts are either inaccurately reporting late payments or have failed to provide proper verification. Some of these accounts are closed or settled, yet derogatory marks remain that misrepresent my credit history. This is a violation of FCRA 1681i and 1681c, as these items are outdated, misleading, or unverifiable. 

Unauthorized hard inquiries : XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/year> ) I did not authorize these inquiries, nor did I initiate any credit applications with these companies. If these inquiries were not made with my explicit permission or a legitimate business purpose, they constitute a violation of FCRA 1681b.

TransUnion has failed to conduct a reasonable investigation and has not removed or corrected these inaccurate entries, even after being formally notified. This failure has negatively affected my credit score and has resulted in credit denials and financial hardship.

What would you like the company to do to resolve your issue?

I am requesting the following corrective actions : Immediate removal of the inaccurate addresses listed above Removal or correction of all inaccurately reported late payments Deletion of all unauthorized hard inquiries Written confirmation of all deletions and corrections Assurance that TransUnion will comply with its obligations under the FCRA in the future Impact on me : This inaccurate reporting has harmed my ability to obtain credit, caused emotional stress, and limited my financial opportunities. I rely on the accuracy of my credit reports, and the failure to report correct information is unacceptable. 

Please investigate this matter thoroughly and ensure TransUnion is held accountable for failing to uphold federal reporting standards.

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