Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
I am filing this complaint against TransUnion for reporting multiple inaccurate, unverified, and false accounts and addresses on my credit report. These accounts do not belong to me, and the addresses listed are completely incorrect. I have already disputed these items directly with TransUnion, yet they continue to appear on my report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ) Section 602 ( A ), Section 607 ( b ), and Section 611 ( a ). TransUnion has failed to maintain maximum possible accuracy of my consumer information and has not provided proper verification or documentation to support these accounts. 

The following addresses are completely wrong and have no association with me in any way : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My credit report also contains multiple accounts that I have no knowledge of, that are inaccurately reported as charge offs, collections, or with false late payment information. The unverified accounts are as follows : XXXX XXXX High Balance {$280.00} Date Opened XX/XX/XXXX Charge Off ; XXXX XXXX  BANK XXXX High Balance {$1000.00} Date Opened XX/XX/XXXX Charge Off ; XXXX XXXX BANK XXXX High Balance {$850.00} Date Opened XX/XX/XXXX Charge Off ; XXXX XXXX XXXX High Balance {$440.00} Date Opened XX/XX/XXXX Charge Off ; XXXX XXXXXXXX High Balance {$3000.00} Date Opened XX/XX/XXXX Charge Off ; XXXX XXXXXXXX High Balance {$880.00} Date Opened XX/XX/XXXX Late Payment ; XXXX XXXX XXXX XXXX High Balance {$38000.00} Date Opened XX/XX/XXXX Charge Off ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$700.00} Date Opened XX/XX/XXXX Charge Off ; XXXX XXXX High Balance {$23000.00} Date Opened XX/XX/XXXX Late Payment ; XXXX XXXX XXXX XXXXXXXX High Balance {$2300.00} Date Opened XX/XX/XXXX Late Payment ; XXXX XXXX XXXX XXXX XXXX  High Balance {$2200.00} Date Opened XX/XX/XXXX Charge Off ; XXXX XXXX XXXX XXXX High Balance {$3500.00} Date Opened XX/XX/XXXX Charge Off ; XXXX XXXX XXXX XXXX High Balance {$23000.00} Date Opened XX/XX/XXXX Charge Off ; XXXX XXXX XXXX XXXX High Balance {$900.00} Date Opened XX/XX/XXXX Late Payment ; XXXX XXXX XXXX XXXX High Balance {$1700.00} Date Opened XX/XX/XXXX Collection XXXX XXXX XXXX XXXX XXXX High Balance {$2100.00} Date Opened XX/XX/XXXX Collection ; XXXX XXXX XXXX XXXX High Balance {$1500.00} Date Opened XX/XX/XXXX Collection ; XXXX XXXX XXXX XXXXXXXX High Balance {$370.00} Date Opened XX/XX/XXXX Collection XXXX XXXX XXXX XXXX XXXX High Balance {$10000.00} Date Opened XX/XX/XXXX Collection ; and XXXX XXXX XXXX XXXX High Balance {$440.00} Date Opened XX/XX/XXXX Collection . 

These accounts are unverified and are damaging my credit reputation. I have no contractual relationship with any of the companies listed above. TransUnion has failed to provide any supporting documentation such as signed agreements, original contracts, or statements validating these alleged debts. Reporting these accounts without proper verification violates my consumer rights under FCRA Section 611 ( a ), which requires a reinvestigation and removal of any unverified or inaccurate information within 30 days. 

Additionally, TransUnion has reported several unauthorized hard inquiries that I did not authorize or consent to. These include XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX. These inquiries were conducted without my written permission and are a direct violation of FCRA Section 604 ( a ) ( 3 ), which limits access to consumer reports only with permissible purpose. 

TransUnions continued reporting of these inaccurate accounts and addresses has caused serious harm to my credit standing and emotional distress. They have failed to comply with their legal obligations to ensure accuracy, fairness, and privacy in credit reporting. I am requesting that the CFPB take immediate action to hold TransUnion accountable for these violations and ensure that all inaccurate, unverifiable, and unauthorized information is permanently deleted from my credit report.

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