Consumer complaint received 2025-07-09 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: SC

Complaint narrative:
Dear CFPB Officer I am filing this complaint against TransUnion LLC for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 reporting standards. Despite my prior efforts to dispute these accounts directly with TransUnion, they have failed to perform a lawful reinvestigation as required by FCRA 611, have continued to report inaccurate and unverified information, and have allowed unauthorized inquiries and incorrect addresses to remain on my file. These actions have caused significant financial harm and reputational damage.

Below is a detailed list of the inaccurate, unverifiable, and unauthorized items that TransUnion is currently reporting on my credit report.

Incorrect Addresses Being Reported XXXX XXXX XXXX, XXXX, SC XXXX This is not my address and should be deleted XXXX XXXX XXXX, XXXX, SC XXXX I have never lived at this address These listings violate FCRA 605 ( b ) and 607 ( b ) as they misrepresent my identity and fail to meet the requirement for accurate information Unverified and Inaccurate Accounts XXXX  XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} Status : Charge Off No validation, no signed contract, violates FCRA 623 ( a ) ( 5 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Late Payment Account is closed, reporting late is misleading XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Late Payment Duplicate reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Late Payment Duplicate reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$500.00} Status : Charge Off Previously disputed, not validated, continued reporting violates FCRA 611 ( a ) ( 5 ) ( A ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Late Payment Paid-off account, inaccurate derogatory information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} Status : Late Payment No notice under FCRA 623 ( a ) ( 7 ), no validation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} Status : Charge Off No contract or itemized proof of debt provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Charge Off Reporting charge off with {$0.00} balance is contradictory XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} Status : Charge Off No supporting documentation, no consent XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} Status : Collection No prior notice, no FDCPA validation letter received XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Status : Collection Never validated, violates FDCPA XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$310.00} Status : Collection Unknown account, no validation, reporting without authority Unauthorized Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These hard inquiries were not initiated or authorized by me and violate FCRA 604 ( a ) and 607 ( a ). They were made without permissible purpose and continue to damage my credit profile Requested Relief I am requesting the CFPB to open an investigation into TransUnions misconduct. I ask that TransUnion be required to Remove the incorrect addresses listed above Delete or correct all accounts listed above that remain unverified or are being reported in violation of federal law Remove all unauthorized hard inquiries Provide written confirmation that these corrections have been made Be held accountable for continued willful noncompliance with FCRA 611, 623, 604 and FDCPA 809 I am attaching supporting documentation along with a copy of my direct dispute submitted to TransUnion. TransUnions repeated failure to comply with federal law must be addressed, and I ask for your assistance in ensuring this matter is fully resolved.

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