Consumer complaint received 2025-09-14 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: NY

Complaint narrative:
I am filing this complaint because TransUnion has willfully and negligently failed to comply with the Fair Credit Reporting Act and continues to report inaccurate, false, and unverifiable information on my credit file even after multiple disputes and requests for reinvestigation. I have exercised my rights under FCRA Section 609 and Section 611, yet the agency has failed to provide proper verification or deletion of accounts that can not be substantiated. This constitutes not only negligence but also a violation of my consumer rights under federal law. 

My credit report is currently being polluted with the reporting of a wrong address that does not belong to me which is listed as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This address has no connection with me and yet TransUnion continues to associate it with my personal profile in clear violation of accuracy and reasonable procedures under FCRA Section 607 ( b ). In addition to this, several accounts are being reported inaccurately and without proper validation. TransUnion is allowing the reporting of XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX which shows a high credit of {$350.00} with a date opened of XX/XX/XXXX and is reporting late payment history without providing any valid verification or contractual obligation from the furnisher. Similarly, XXXX  XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a reported balance of {$490.00} is also being reported with late payment history that remains unverified and inaccurate. 

The violations continue with multiple XXXX XXXX XXXX  accounts that are being reported falsely and in duplicate form. TransUnion is showing XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a reported balance of {$1700.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a reported balance of {$5200.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$5100.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$2600.00}, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$2600.00}. These accounts are being reported with derogatory late payment history, yet TransUnion has failed to provide any signed contract or verification documents from the furnisher to prove that the reporting is valid. The continued presence of these accounts on my credit file after multiple disputes is clear evidence of willful neglect and noncompliance with FCRA. 

Additionally, TransUnion is reporting XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX which was allegedly opened on XX/XX/XXXX with a charge off status and a {$0.00} balance. This is completely inaccurate and unverifiable. TransUnion has also allowed multiple unauthorized inquiries to remain on my file without proof of permissible purpose under FCRA Section 604. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These inquiries were not authorized by me and are harmful to my creditworthiness. 

I have submitted multiple disputes to TransUnion and each time the agency has failed to properly investigate and has simply reinserted or continued to report these items in violation of FCRA Section 611 ( a ) ( 5 ). Their repeated refusal to delete unverifiable information shows bad faith and a disregard for consumer rights. By law, any account, address, or inquiry that can not be verified with complete accuracy must be deleted immediately. Instead, TransUnion continues to damage my credit report with false and unverifiable data which has caused me financial harm, emotional distress, and loss of credit opportunities. 

I am requesting that the Consumer Financial Protection Bureau take immediate action to investigate these violations and hold TransUnion accountable for their continued noncompliance with the Fair Credit Reporting Act. I demand that all the disputed accounts, addresses, and inquiries be permanently deleted from my file and that TransUnion be directed to adopt proper compliance procedures to prevent further violations.

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