Consumer complaint received 2025-12-24 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: SC

Complaint narrative:
I am submitting this complaint regarding inaccurate information currently being reported by TransUnion on my consumer credit file. I am disputing the accuracy, completeness, and proper investigation of the items listed below and am requesting that TransUnion conduct a lawful reinvestigation in accordance with the Fair Credit Reporting Act. 
The address XXXX XXXX XXXX, XXXX, SC XXXX is not my address. I have no knowledge of this address, I have never resided there, and it does not belong to me in any capacity. TransUnion is reporting this address without proper verification, and I am requesting that this address be deleted from my credit file immediately. 
The account reported as XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, with a balance of {$150000.00}, is being reported with late payment history. The late payment information being reported is inaccurate. TransUnion has failed to ensure the accuracy of this payment history, and I am requesting a reinvestigation and correction of any inaccurately reported late payments associated with this account. 
The account reported as XXXX, opened on XX/XX/XXXX, with an original balance of {$170000.00}, is also being reported with late payment history. The late payment information being furnished is inaccurate and has not been properly verified. I am requesting that TransUnion conduct a full reinvestigation and correct any inaccurate late payment reporting on this account. 
The XXXX account opened on XX/XX/XXXX, with an original balance of {$4100.00}, is being reported with late payments that are not accurate. This payment history does not reflect correct information and must be properly investigated and corrected. 
The XXXX XXXX XXXX account opened on XX/XX/XXXX, with a reported balance of {$0.00}, is also showing late payment history. The reporting of late payments on an account with a XXXX balance is inaccurate and requires immediate reinvestigation and correction. 
The account reported as XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}, is being reported as a charge-off. I have no knowledge of this account being accurately charged off as reported. This account information is not being reported accurately and must be fully investigated, with deletion or correction based on the results of a proper reinvestigation. 
ThXXXX XXXX XXXX XXXX account opened on XX/XX/XXXX, with a balance of {$120.00}, is also reported as a charge-off. I do not recognize this account as being reported accurately, and TransUnion has failed to verify this information. I am requesting a complete reinvestigation and removal or correction of this account. 
The account reported as XXXX XXXX XXXXXXXX, opened on XX/XX/XXXX, with a balance of {$1200.00}, is being reported as a charge-off. I have no knowledge of this account as reported, and the information being furnished is inaccurate. This account must be properly investigated and deleted or corrected accordingly. 
The collection account reported by XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$900.00}, is not being reported accurately. I do not recognize this collection account as mine, and TransUnion must conduct a lawful reinvestigation and delete this account if it can not be properly verified. 
The collection account reported by XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$680.00}, is not recognized by me. This account is being reported without proper verification and must be reinvestigated and removed if accuracy can not be established. 
The collection accounts reported by XXXX XXXX, opened on XX/XX/XXXX with a balance of {$1000.00}, XX/XX/XXXX with a balance of {$590.00}, and XX/XX/XXXX with a balance of {$190.00}, are not accounts that I recognize as mine. These collection accounts are being reported inaccurately and without proper verification, and I am requesting deletion of these accounts following a lawful reinvestigation. 
Additionally, TransUnion is reporting several inquiries that I did not authorize or recognize, including inquiries by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These inquiries are inaccurate and must be removed unless TransUnion can provide proof of permissible purpose. 
TransUnion has a legal obligation to ensure maximum possible accuracy and to conduct a reasonable reinvestigation of all disputed information. I am requesting that the CFPB require TransUnion to complete a proper investigation and correct or delete all inaccurate, unverifiable, or improperly reported information listed above.

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