Consumer complaint received 2025-07-10 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:
Dear CFPB Officer, I am filing this formal complaint against TransUnion LLC for repeated violations of the Fair Credit Reporting Act ( FCRA ). I submitted a written dispute to TransUnion, challenging multiple inaccurate and unverifiable accounts on my credit report. Despite this, TransUnion failed to properly investigate these items, provided no documentation to verify the accuracy of the information, and has continued to report themcausing significant harm to my creditworthiness.

This is now my second attempt to resolve these issues, and TransUnion has once again responded with automated verifications and no evidence from the original creditors. I am now requesting the assistance of the Consumer Financial Protection Bureau in enforcing my rights as a consumer under FCRA 611, 609, and 607 ( b ).

Below is a list of the inaccurate and disputed items that TransUnion has failed to correct : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived at these addresses. Their presence on my credit file raises concerns about mixed files and identity confusion. 

Disputed Accounts : 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 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 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 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  Balance Owed : {$360.00} Status : Collection These accounts are either reporting inaccurately or are unverifiable. TransUnion has not provided any original documents, such as signed contracts, billing statements, or proof of ownership, despite my formal request. 

Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these inquiries, nor was I informed of them beforehand. These credit pulls were conducted without my knowledge or consent, and TransUnion has failed to show proof of a permissible purpose under FCRA 604.

TransUnions continued failure to comply with FCRA obligations, especially after a direct dispute, is unacceptable. I have requested verification, and none has been provided. The verifications provided were vague, incomplete, and not supported by legal documentation from the original furnishers. 

I am requesting the Consumer Financial Protection Bureau take immediate action to compel TransUnion to : Delete all inaccurate and unverifiable accounts listed above Remove the incorrect addresses from my credit file Eliminate all unauthorized inquiries that lack proper consent or permissible purpose Provide clear and full documentation from the original creditors for any item they intend to keep reporting Thank you for taking the time to review my complaint. I trust the CFPB will take appropriate action to ensure my consumer rights are protected under 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