Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because my TransUnion, XXXX XXXX XXXX  credit reports contain multiple inaccuracies, inconsistent account reporting, and identity-theft-related activity that are harming my credit profile. I have disputed these items with the credit bureaus and am requesting the CFPBs assistance to enforce my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX. Unauthorized TransUnion inquiry ( identity theft / no permissible purpose XXXX My TransUnion report shows a hard inquiry from XXXX XXXX XXXX XXXX XXXX dated XX/XX/year>. I did not apply for credit or give written authorization for this dealership or any related party to access my credit report. Experian has already removed a cluster of similar auto-finance inquiries from various lenders and dealers as fraudulent/identity theft after I contacted them. This remaining TransUnion inquiry appears to be part of the same fraud pattern and has no permissible purpose under FCRA XXXX. 

XXXX. Inaccurate and inconsistent tradeline reporting Several accounts are being reported inconsistently across bureaus : XXXX XXXX XXXX XXXX TransUnion reports this account as open with a balance, while Experian reports it as paid/closed with a {$0.00} balance. The same account should not be reported as both open and closed with different balances. This inconsistency violates the requirement for maximum possible accuracy under FCRA 607 ( b ). 
XXXX secured accounts Late payment histories ( 30- and 60-day lates ) are not reported consistently between bureaus and may not be accurate. 
XXXX XXXX XXXX XXXX account A 30-day late payment is reported ; I am disputing this as inaccurate or unverifiable unless the furnisher can provide proper documentation.

I am requesting that any late payments and negative reporting that can not be fully verified with proper records be deleted, and that any tradelines that can not be reported accurately and consistently across bureaus be corrected or removed. 

XXXX. Personal information errors My reports contain inconsistent and outdated personal information : multiple name variations, old addresses, and employer entries that are not current. Under FCRA 609 ( a ) and 611, the credit bureaus are required to maintain accurate identifying information and correct or delete information that is inaccurate or can not be verified.

4. Incomplete or inaccurate Equifax file Through IdentityIQ, Equifax indicated that it could not locate a matching credit file for me. This is problematic because I do have credit history and I am entitled to a full file disclosure under FCRA 609. I want to ensure that Equifax is maintaining a complete and accurate file and not omitting or mishandling my information.

5. Identity theft and fraud alerts My reports contain fraud alerts/ID security alerts, and Experian has already acknowledged and removed multiple fraudulent auto-related inquiries. This confirms that my identity has been misused. I am concerned that not all bureaus and furnishers are honoring these alerts and taking adequate steps to prevent and correct identity theft-related entries.

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