Consumer complaint received 2025-07-22 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: SC

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against TransUnion due to their repeated failure to maintain accurate information on my credit report and their non-compliance with the Fair Credit Reporting Act ( FCRA ), despite a prior dispute submitted directly to them. I have taken every reasonable step to resolve these issues with TransUnion, yet they have failed to correct inaccurate addresses, remove an unverified collection account, or delete unauthorized hard inquiries, which has led me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ). 

TransUnion is currently reporting two addresses on my credit fileXXXX XXXX, XXXX XXXX, SC XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX are completely unfamiliar to me. I have never lived at either of these addresses, nor have I been associated with them in any legal or financial capacity. The presence of these false addresses puts my identity and credit profile at risk and violates my right under the FCRA to have accurate and verifiable personal information in my credit report. 

Additionally, there is a collection account from XXXX ( Account # XXXX ) listed with an open date of XX/XX/XXXX, which is a future date and clearly invalid. I have never opened any account with XXXX and have not received any supporting documentation from TransUnion or the data furnisher that would validate this account. I formally requested verification as per my rights under FCRA 609, yet the account remains. The lack of any proper response or deletion is unacceptable. 

On top of this, there are multiple hard inquiries from companies I have never interacted withnamely XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, respectively. I never gave consent for these entities to access my credit report. These inquiries are unauthorized and damaging to my credit score. Despite disputing these inquiries and clearly stating I did not initiate or authorize any applications with these companies, TransUnion has failed to act. 

These inaccuracies have deeply affected my life. My credit score has been negatively impacted, and Ive been denied credit opportunities that I would otherwise have qualified for. The stress of repeatedly contacting TransUnion, only to have my dispute ignored or dismissed, has been emotionally exhausting. I am doing my best to maintain a clean and accurate credit report, and their negligence is creating unnecessary hardship. 

At this point, I am seeking your help in investigating this matter. TransUnion must be held accountable and required to correct my credit file. I am asking that these incorrect addresses be removed, the unverifiable XXXX collection account be deleted, and the unauthorized hard inquiries be removed as well. I am also requesting that TransUnion send me an updated and corrected credit report once all necessary changes have been made. I have attached documentation that shows the items I disputed and my prior attempts to resolve this with TransUnion directly. 

Thank you for taking the time to review my complaint and help ensure that my rights as a consumer are respected and enforced.

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