Consumer complaint received 2025-06-28 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 because TransUnion has repeatedly failed to uphold its legal obligations under the Fair Credit Reporting Act ( FCRA ). Despite submitting a formal dispute, they continue to report false, inaccurate, and unverifiable information on my credit report. This misconduct has caused me emotional distress, financial hardship, and the inability to qualify for housing and credit. 

I have worked hard to restore my financial health, but TransUnions refusal to correct these errors is sabotaging my progress. I am requesting that the CFPB take immediate regulatory action to investigate TransUnions negligence and compel them to remove the following inaccurate and unauthorized entries : XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX Wrong Address I have never resided at this address, yet it appears on my TransUnion report. This is a blatant violation of FCRA 602 ( a ) and 607 ( b ), which require credit reporting agencies to ensure the maximum possible accuracy of consumer information. TransUnion failed to validate this personal data and continues to report it falsely. 

XXXX. XXXX XXXX | Date Opened : XX/XX/XXXX | XXXX : {$32000.00} | Late Payment This account reports late payments without any proper notice or validation. I never received a monthly billing statement or breakdown of due dates. Under FCRA 611 and 609 ( a ) ( 1 ), I have a right to request the method of verification. TransUnion failed to produce this and continued reporting the derogatory status without lawful justification. 

XXXX. XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$16000.00} | Late Payment This account is being reported twice, which inflates my debt and misrepresents my financial situation. Moreover, the account contains inconsistent balance reporting compared to other bureaus. This violates FCRA 607 ( b ), which mandates data integrity, and 604 ( a ), since inaccurate reporting constitutes a breach of consumer rights. 

XXXX. XXXX XXXX XXXX  XXXX | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment The account has been paid in full, yet TransUnion continues to report past due payments. This is a material inaccuracy under FCRA 605 ( b ) and causes undue harm to my credit profile. Continuing to report this account with derogatory history after it has been resolved is misleading and damaging. 

XXXX. XXXX XXXX  XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$6700.00} | Charge-Off TransUnion has not provided debt validation under FCRA 609 ( a ) ( 1 ). This charge-off is causing significant damage, yet no verification or original documentation has been provided. Failure to provide this proof within the statutory timeframe requires immediate deletion under FCRA 611 ( a ) ( XXXX ). 

XXXX. XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment This account has been closed for years and carries a {$0.00} balance. The continued reporting of late payments is outdated and misleading, violating FCRA 605 ( a ). No creditor should be reporting late activity on a dormant account that has long been settled. 

XXXX. Inquiries Unauthorized Access to My Credit File The following companies pulled my credit without my knowledge or permission. These are unauthorized hard inquiries, in direct violation of FCRA 604 ( a ) ( 2 ) and 604 ( f ), which restrict access to consumer reports without a permissible purpose or written authorization : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never applied for credit with these entities, nor did I authorize them to access my personal credit file. TransUnions failure to investigate or remove these inquiries after my dispute constitutes a willful violation of FCRA and a breach of consumer privacy.

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