Consumer complaint received 2025-06-20 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: TN

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against TransUnion for their continuous and willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, for failing to ensure accurate and complete information on my consumer report despite multiple disputes. This is my second attempt to have these errors corrected, and I have still not received a satisfactory resolution.

1. Incorrect Addresses Reported : TransUnion is reporting addresses on my credit file that I have never lived at, which is a direct violation of FCRA 1681e ( b ) requiring credit reporting agencies to maintain maximum possible accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Never resided at this address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Never resided at this address These false addresses are likely contributing to the inaccurate reporting of fraudulent or unrelated accounts. This creates safety and identity theft concerns, and I demand immediate deletion. 
2. Inaccurate and Unverified Accounts : The following accounts have been misreported or are inaccurate, unverified, and in violation of my consumer rights under FCRA 1681i ( failure to investigate disputes ) and 1681b ( permissible purpose for furnishing report ). 
XXXX XXXX XXXXXXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1800.00} Date Opened : XX/XX/XXXX Issue : Charge Off Violation : FCRA XXXX No proper investigation after dispute XXXXXXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2700.00} Date Opened : XX/XX/XXXX Issue : Charge Off Violation : FCRA 1681e ( b ) Inaccurate balance and reporting date XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$780.00} Issue : Charge Off Violation : FCRA 1681i Failed to verify or delete after dispute XXXX  XXXX ( two entries duplicate reporting ) Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balances : {$500.00} ( opened : XX/XX/XXXX ) and {$570.00} ( opened : XX/XX/XXXX ) o Issue : Duplicate Charge Off o Violation : FCRA 1681b Reporting same account twice is misleading XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$590.00} Date Opened : XX/XX/XXXX Issue : Charge Off Violation : FCRA 1681e ( b ) Reporting old/incorrect balance XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX  High Balance : {$2700.00} Date Opened : XX/XX/XXXX Issue : Charge Off Violation : FCRA 1681i Investigation not properly conducted XXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$21000.00} Date Opened : XX/XX/XXXX Issue : Charge Off Violation : FCRA 1681e ( b ), 1681i 3. Collections Accounts Misreporting : These collection accounts were not properly validated or verified, which is a violation of FCRA 1681g & 1692g ( FDCPA ). 
XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Violation : Reporting future open date and no verification XXXX Acct # : XXXXXXXX XXXX High Balance : {$2700.00} Date Opened : XX/XX/XXXX Violation : Failed to verify debt and violated FCRA 1681b XXXX XXXX XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1500.00} Date Opened : XX/XX/XXXX Violation : Same account number as XXXX possible duplicate or error XXXX. Unauthorized/Inaccurate Inquiries : I have not applied for credit from the following companies on the listed dates. These inquiries are unauthorized and violate FCRA 1681b ( c ). 
XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX These inquiries were made without my written consent or initiated credit application. 
Requested Resolution : 1. Immediately delete all unverified, inaccurate, and duplicate accounts mentioned above.

2. Remove all incorrect addresses listed under my credit file.

3. Delete unauthorized inquiries conducted without my consent.

4. Provide a full reinvestigation summary and update with correct information. 
XXXX. Hold TransUnion accountable for willful and negligent violations of the FCRA. 
Applicable Laws Cited : FCRA 1681e ( b ) : Duty to maintain maximum accuracy FCRA 1681i : Duty to reinvestigate disputed information FCRA 1681b : Permissible purpose for furnishing consumer report FCRA 1681g : Full file disclosure FCRA 1681c : Prohibition on obsolete information FDCPA 809 ( 15 U.S.C. 1692g ) : Debt validation requirement I respectfully request that the CFPB take prompt action in investigating these ongoing violations and hold TransUnion accountable for their negligence and non-compliance with federal law.

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