Consumer complaint received 2025-07-05 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: MI

Complaint narrative:
b'I am filing this complaint against TransUnion for gross negligence and continued failure to ensure the accuracy and integrity of the information listed on my credit report, in violation of the Fair Credit Reporting Act (XXXX), specifically XXXX  U.S.C  XXXX  (failure to reinvestigate),  XXXX(b) (failure to assure maximum possible accuracy), and  XXXX  (unauthorized inquiries). Despite my repeated attempts to dispute the inaccurate and unverifiable information, TransUnion has continued to report outdated, false, and misleading accounts, inquiries, and personal information, which have severely harmed my creditworthiness and mental well-being. I am demanding immediate intervention from the CFPB to hold TransUnion accountable and force proper compliance with federal law.\nADDRESS DISPUTES\XX/XX/XXXX, MI XXXX\nIssue: This address is not currently associated with my credit file and should not appear as a reporting address. It may have been linked due to reporting errors.\nLaw Violated: FCRA  XXXX(b)  TransUnion failed to maintain the accuracy of personal identifying information.\nThis address is outdated and not my primary residence. TransUnions failure to update my file accurately indicates poor data hygiene practices, causing lenders to misinterpret my identity and location.\XXXX XXXX XXXX XXXX, MI XX/XX/XXXX\nIssue: I have never lived at this address. This information is inaccurate and leads to misidentification and risk of mixed file issues.\nLaw Violated: FCRA  XXXX(b)\nThis misattributed address is negatively affecting my credit profile. It may be tied to another consumers file, which is a dangerous example of file mixing. This constitutes a severe violation of my rights under the FCRA.XXXX XXXX XXXX XXXX XXXX, MI XXXX\nIssue: This address is not valid or current. It does not match any address Ive ever used or reported.\nLaw Violated: FCRA  XX/XX/XXXX(b)\nContinued reporting of an unfamiliar address shows TransUnions failure to ensure maximum accuracy. This error raises red flags with creditors and potential landlords, further harming my creditworthiness.\nACCOUNT ERRORS\nXX/XX/5178** (Date Opened: XXXX2021  Balance: $81.00)**\nIssue: Account is inaccurately reporting a late payment that I have already disputed.\nLaw Violated: FCRA  XXXX(b),  XXXX\nThis negative mark is damaging my score and should be removed as the creditor failed to verify the delinquency. TransUnion is complicit by continuing to report unverifiable information.\nXXXX XXXX** (Date Opened: XX/XX/XXXX2023  Balance: $814.00)**\nIssue: Inaccurate late payment reported, which I have disputed and provided supporting documents for.\nLaw Violated: FCRA  XX/XX/1681\nThis derogatory account should not be reported while in dispute. TransUnion failed to follow up properly and correct the record, severely affecting my credit.\nXXXX XXXX XXXX** (Date Opened: XXXX/2019  Balance: $104.00)**\nIssue: Late payment listed is incorrect. I made timely payments and can provide proof.\nLaw Violated: FCRA  XXXX(b),  XX/XX/XXXX(b)\nTransUnion is violating my rights by reporting misinformation after my dispute was filed. This mistake must be removed immediately.\nXX/XX/XXXX** (Date Opened: XXXX/2020  Balance: $0.00)**\nIssue: Incorrect reporting of past due history on a paid account.\nLaw Violated: FCRA  XX/XX/XXXX(b)\nEven though the balance is $0, the derogatory payment status is unfair and outdated. It damages my record despite no financial obligation remaining.\nKASHABLE LLC 826 (Date Opened: XXXX/2020  Balance: $0.00)**\nIssue: Late payment recorded although account was closed and paid in full.\nLaw Violated: FCRA  XXXX(a)(XXXX),  XXXX(b)\nReporting of late payment after full resolution is misleading. This misreporting violates FCRA data retention and accuracy provisions.\nXXXX XXXX XXXX** (Date Opened: XX/XX/XXXX/2021  Balance: $0.00)**\nIssue: Charge-off remains even though account is resolved.\nLaw Violated: FCRA  XX/XX/1681(b)\XXXX  has not updated the account properly, and TransUnion failed to verify accuracy during investigation. This charge-off misrepresents my financial behavior.\nXXXX XXXX XX/XX/XXXX** (Date Opened: XXXX/2020  Balance: $8,144.00)**\nIssue: This charge-off is not accurate, and I have previously disputed it.\nLaw Violated: FCRA  XX/XX/1681\nDespite disputing the account and providing documents, TransUnion refused to correct the status. They did not reinvestigate as required by law.\nXXXX XXXX XXXX XXXX** (Date Opened: XXXX/2020  Balance: $0.00)**\nIssue: Charge-off listed with $0 balance and no clarification on payment status.\nLaw Violated: FCRA  XXXX(b),  XX/XX/1681\nThe presence of a charge-off with a $0 balance is confusing and misleading. TransUnion did not investigate my dispute thoroughly.\nUNAUTHORIZED & EXCESSIVE HARD INQUIRIES\nXX/XX/30/2025\nIssue: I did not authorize this inquiry.\nLaw Violated: FCRA  XXXX(c)\nUnauthorized access to my report without a permissible purpose is a breach of my privacy and FCRA rights.\nXXXX XXXX XXXX/2025\nIssue: Unauthorized hard pull affecting my credit score.\nLaw Violated: FCRA  XXXX\nThis inquiry was not consented to and negatively impacted my score unfairly.\nXXXX XXXX XXXX/2024\nIssue: No business relationship or application made.\nLaw Violated: FCRA  XXXX\nThis inquiry should be removed. I never initiated contact with this institution.\nXXXX XXXX XXXX/2024\nIssue: Unauthorized inquiry without my application or consent.\nLaw Violated: FCRA  XXXX\nThis is a clear example of TransUnion failing to protect my data from misuse.\nXX/XX/XXXX/2024\nIssue: Inquiry listed without any credit transaction from my side.\nLaw Violated: FCRA  XXXX\nThis inquiry should be deleted. I did not approve or initiate this access.\XX/XX/XXXXFINANCI  XXXX/2024\nIssue: Duplicate and unauthorized inquiry.\nLaw Violated: FCRA  XXXX already had access through a prior report. This additional pull is unauthorized and unnecessary.\XX/XX/XXXX/2024\nIssue: Unauthorized dealership inquiry.\nLaw Violated: FCRA  XX/XX/XXXX\nNo credit application submitted here. TransUnion allowed impermissible access.XXXX XXXX/2024\nIssue: Redundant inquiry with no justification.\nLaw Violated: FCRA  XXXX\nThey had no reason to pull my report at this date. No loan or credit request was made.\XXXX XXXX XXXX/2024\nIssue: No dealership application initiated.\nLaw Violated: FCRA  XXXX\nThis was unauthorized and had no basis. This inquiry harmed my score.XXXX XXXX XXXX XXXX/2024 & XXXX/2024\nIssue: Two separate unauthorized inquiries from the same dealership.\nLaw Violated: FCRA  XXXX\nI did not apply for credit twice. These inquiries were never permitted by me and are damaging.XXXX XXXX XXXX XXXX/2023\nIssue: Unauthorized access to my credit data.\nLaw Violated: FCRA  XX/XX/XXXX\nI never applied or consented to this pull. TransUnion must be held accountable for releasing my report improperly.\nConclusion:\nI have been severely impacted by TransUnions continued non-compliance with federal law. I respectfully request the CFPB to investigate and enforce penalties for TransUnions repeated violations. I am also demanding that TransUnion:\n1.\tPermanently delete all inaccurate addresses and inquiries\n2.\tAccurately update or remove all disputed account data\n3.\tProvide a full reinvestigation and validation of all items in question\n4.\tCease and desist from further violations of my consumer rights\nThank you for your time and attention. I request swift and fair action to remedy this situation and uphold the protections granted to me under the FCRA.'

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