Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
I am filing this complaint because TransUnion has continued to report false and damaging information on my credit file even after disputes were submitted. The reporting includes addresses that I have never lived at and multiple accounts that are either inaccurately reported, unverifiable, or completely contradictory in nature. This is a direct violation of the Fair Credit Reporting Act which requires consumer reporting agencies to ensure maximum possible accuracy under 607 ( b ) and to delete unverifiable information under 611. 

My credit file currently lists the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never lived at these addresses, and their presence on my report creates a misleading and inaccurate identity profile. 

TransUnion is also reporting several accounts that are inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, shows late payments despite reporting a XXXX balance. It is impossible for an account with no balance to be delinquent, and this reporting is misleading. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, is reported as a charge-off for {$420.00}, but I have never received validation of this debt. Another XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, shows late payments with a balance of {$0.00}, which is contradictory and inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, is also reported as a charge-off while showing a XXXX balance, which makes no sense. 

TransUnion further reports a XXXX XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, with a charge-off balance of {$1800.00}. I have not received any validation of this debt. The same problem exists with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, listed as a {$510.00} charge-off without proof or validation. 

XXXX collection accounts are also being reported without proper validation. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, showing a balance of {$1600.00}. The other is from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX, with a balance of {$960.00}. In both cases, I have never been provided proof of these debts, yet they continue to appear on my file. In addition, TransUnion reports a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX, as a collection with a {$670.00} balance. I do not recognize this account, and it too has never been validated. 

Finally, my credit report shows an inquiry from XXXX XXXX on XX/XX/XXXX that I never authorized. Under FCRA 604 ( a ) ( 2 ), inquiries must have a permissible purpose. This inquiry was made without my consent and has harmed my creditworthiness. 

These items are not only inaccurate but also unverifiable, and their continued reporting is unlawful. TransUnion has failed to meet its responsibility under the FCRA to ensure accuracy and to remove unverifiable information. I am requesting that the CFPB take action to hold TransUnion accountable and ensure that all of these inaccurate and damaging entries are deleted from my credit report.

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