Consumer complaint received 2025-08-28 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:
I am filing this complaint against TransUnion because my credit report contains numerous errors, unverifiable accounts, and inaccurate information that I have already disputed in writing. Despite sending a formal dispute letter with supporting documentation, including proof of identity, proof of address, and an FTC Identity Theft Report, TransUnion has failed to properly investigate and correct these issues as required under the Fair Credit Reporting Act ( FCRA ). 

There are multiple addresses listed on my report that are completely incorrect and have no connection to me. Specifically, the addresses XXXX XXXX, XXXX, CA XXXX and XXXX XXXX, XXXX XXXX XXXX, CA XXXX are not mine and I have never lived at or been associated with these locations. The presence of these addresses on my credit file strongly suggests a mixed file or identity theft issue, and they should have been removed promptly. 

My credit report also contains several accounts that are either unverified, fraudulent, or inaccurately reported. These include XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, reported as a charge off ; XXXX Account XXXX XXXX XXXX XXXX XXXX with late payment reporting XXXX XXXX XXXX XXXXXXXX Account # XXXX with late payment reporting ; XXXX XXXX XXXXXXXX Account # XXXX * listed as a charge off ; XXXX Account # XXXXXXXX XXXX listed as a charge off ; XXXX Account # XXXX listed as a charge off ; and FCO Account # XXXX XXXX reported as a collection. I dispute knowledge of these charge-off and collection accounts, and I have never been provided with original signed agreements, account-level documentation, or validation of these debts. Reporting these items without proper verification violates FCRA 607 ( b ) and 611, as well as Metro 2 standards. 

Additionally, my report shows an unauthorized inquiry from XXXX XXXX XXXX on XX/XX/year> that I did not authorize. I never applied for any credit with XXXX XXXX on that date, and this inquiry should have been removed when I first disputed it. The continued reporting of an inquiry without permissible purpose violates FCRA 604 ( a ) ( 2 ). 

Despite disputing these inaccuracies in writing, TransUnion has either verified the items without providing evidence or failed to properly investigate. This is a direct violation of FCRA 611, which requires a reinvestigation of disputed items within 30 days and demands that unverifiable or inaccurate information be removed. The continued reporting of false charge-offs, collections, and incorrect addresses is damaging my credit standing, causing financial harm, and creating unnecessary stress. 

I am requesting that the Consumer Financial Protection Bureau require TransUnion to conduct a proper reinvestigation of my file, delete all unverifiable accounts, inquiries, and addresses, and provide me with documentation supporting any information they choose to keep. If TransUnion can not produce full validation, including signed contracts, account-level documentation, and permissible purpose records for inquiries, all disputed items must be deleted in compliance with 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