Consumer complaint received 2025-09-02 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: CA

Complaint narrative:
I am filing this complaint because my credit report with TransUnion contains multiple inaccuracies that I have already disputed in writing, yet they continue to remain on my file. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to ensure maximum possible accuracy and to properly reinvestigate disputed information within 30 days. Despite my first dispute, TransUnion has failed to provide proper verification or delete these items, and they remain unchanged, causing harm to my creditworthiness and emotional distress. 

There are two incorrect addresses being reported : XXXX XXXX XXXX  XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX, CA XXXX. I have never lived at or been associated with either address, and their continued presence on my credit file links me to information that is completely inaccurate. I previously requested removal of these addresses, but TransUnion ignored my request or failed to properly investigate them, which is a direct violation of FCRA 607 ( b ) and 611 ( a ). 

In addition, several accounts are being inaccurately reported with late payment histories that have never been substantiated. The accounts are 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 TransUnion has not provided a single piece of verifiable evidence to justify these negative notations. Reporting late payments without proof is a violation of FCRA, and the fact that these remain on my report after a formal dispute shows that TransUnion has not conducted a proper reinvestigation as required under 611 ( a ). 

There is also a collection account listed as XXXX XXXX XXXX XXXX XXXX XXXX, which I have no knowledge of. I have never been contacted by any creditor regarding this alleged debt, and no validation or contract has been presented to prove its legitimacy. Under FCRA 611 ( a ) ( 5 ), unverified information must be deleted, yet this collection is still being reported, damaging my credit score and reputation. 

In addition to the incorrect accounts and addresses, there are several inquiries that I did not authorize, including XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX. These inquiries were made without my consent or a permissible purpose under FCRA 604 ( a ) ( 3 ), and they have lowered my credit score unfairly. TransUnion has not removed these inquiries even after my written dispute.

This is my second dispute, and TransUnions refusal to comply with the law demonstrates negligence and noncompliance with federal regulations. I am requesting that the CFPB intervene to ensure that TransUnion fully reinvestigates these inaccuracies, provides proper documentation of verification, and permanently deletes any unverifiable or inaccurate data. The law is clear that credit bureaus have an obligation to correct errors, and their failure to do so after my initial dispute shows a pattern of disregard for consumer rights. These inaccuracies have caused me financial harm, emotional stress, and an unfairly low credit score. I demand immediate action to enforce compliance with the Fair Credit Reporting Act and ensure my credit file is accurate.

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