Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, This is now the ninth time I have been forced to write to TransUnion because my credit report continues to contain false and harmful information that I have repeatedly disputed. Despite months of patience and numerous written disputes, my file still reflects inaccurate personal information and multiple unauthorized inquiries that I never approved. Under the Fair Credit Reporting Act, TransUnion is required to ensure maximum possible accuracy of consumer reports and to conduct a proper reinvestigation when a consumer raises disputes. Unfortunately, the continued presence of these errors demonstrates that my rights under federal law are not being upheld, and this letter serves as a final demand for immediate correction before I escalate this matter to the Consumer Financial Protection Bureau and other regulatory authorities. 

My report still shows an address I have never lived at or been associated with, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, which has no legitimate reason to appear on my file. Keeping this false address attached to my name places me at unnecessary risk of identity theft and misrepresentation. In addition to this, my report continues to reflect numerous inquiries that I never authorized. These include inquiries from XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX and again on XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX and again on XX/XX/XXXX, XXXX XXXX XXXX  dated XX/XX/XXXX, XXXX dated XX/XX/XXXX and again on XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX  dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, and XXXX XXXX dated XX/XX/XXXX. These inquiries were not initiated or authorized by me, and there is no valid credit application or permissible purpose that would justify their presence on my report. The FCRA makes it very clear that reporting information without proper verification or proof of consumer authorization is a direct violation of federal law. 

I have followed the proper dispute process each time, providing identifying information and requesting an investigation, yet the results I have received do not reflect a proper reinvestigation as required by law. It is not enough for TransUnion to run automated checks or rely solely on the furnishers response without verifying whether these inquiries were made with my consent. The fact that the same errors continue to appear round after round suggests a serious failure to follow reasonable procedures to assure accuracy, which is exactly what the FCRA was written to prevent. This ongoing negligence is damaging my credit, my financial opportunities, and my trust in your reporting process. 

I am demanding that TransUnion immediately delete the false address and remove all unauthorized inquiries listed above. I also request a copy of my updated credit report reflecting these changes. If you choose to retain any of these inquiries, you are required by law to provide me with the name, address, and contact information of the entity that verified them, along with documentation proving that I authorized them. 

If I do not receive a full correction of these errors within the time allowed by law, I will escalate this matter further by filing formal complaints with the CFPB, FTC, and other consumer protection agencies, and I will consider taking legal action for violations of my rights under the Fair Credit Reporting Act. I expect this matter to be handled immediately and with the seriousness it deserves.

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 explanation