Consumer complaint received 2025-08-21 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: TN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against TransUnion LLC for repeatedly and willfully reporting false, inaccurate, and misleading information on my credit report. Despite my previous disputes, TransUnion continues to allow accounts, addresses, and inquiries that are unverifiable, contradictory, and harmful to remain on my file. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment Issue : Showing late payments even though balance is {$0.00}. 
Law : FCRA 623 ( a ) ( 1 ) ( A ) forbids reporting information that is knowingly inaccurate. 
Story : It is unfair and misleading to mark this account as late when there is no outstanding balance. This creates a false image that I failed to pay when the account was in fact at XXXX. Because of this, lenders view me as a high-risk borrower. I have been denied opportunities and treated like I do not honor my obligations, which is humiliating. It causes unnecessary stress every time I try to apply for something as simple as a small credit line or rental housing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off Issue : Reported as a charge off but balance is {$0.00}. 
Law : FCRA 607 ( b ) requires maximum possible accuracy in reporting. 
Story : Reporting an account as charged off while also showing no balance is contradictory and deceptive. It portrays me as someone who defaulted on an obligation that does not even exist anymore. This has harmed me by lowering my credit score, making employers who check my credit view me as irresponsible, and preventing me from moving forward financially. This kind of misreporting is not just an error it is a stain on my reputation, making me look like someone who walks away from debts, which is completely untrue. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off Issue : Reporting both charge off and {$0.00} balance. 
Law : FCRA 602 ( A ) demands fairness and accuracy in credit reporting. 
Story : This contradiction is creating a false narrative about me. A charge off is one of the most damaging statuses that can appear on a credit report, yet here it is being falsely applied even when no debt exists. This is deeply unfair because lenders see charge off and immediately assume I am a financial risk. It has created anxiety and despair for me every time I am turned down for credit. I am being judged for something that is not real, and this wrongful reporting is devastating. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off Issue : Another false charge off with a XXXX balance. 
Law : FCRA 623 ( b ) obligates furnishers to correct and delete inaccurate information once disputed. 
Story : This account is also misreported, and it is worsening my credit profile. Having multiple false charge offs listed makes me look like I am financially reckless when I am not. This has resulted in denials for basic credit products, higher interest rates, and overall financial hardship. I have lost opportunities and suffered emotionally because of the shame and stress of being unfairly labeled as someone who defaults. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Multiple unauthorized inquiries from the same source. 
Law : FCRA 604 ( a ) ( 3 ) limits inquiries to authorized purposes only. 
Story : These three entries suggest that I made multiple credit applications, which is false. They create the illusion of excessive credit-seeking behavior. This kind of reporting damages my reputation, lowers my score, and creates unnecessary barriers when I try to improve my financial standing. It also makes me worry that my information is being misused or accessed without proper safeguards. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized hard pulls lowering my score. 
Law : FCRA 604 and FDCPA 807 ( 8 ) prohibit misrepresenting consumer credit activity. 
Story : These three unauthorized inquiries damage my score and portray me as financially unstable. Each entry adds to the false image of desperation for credit. This has caused denials for auto loans, credit cards, and even apartment rentals. These false inquiries are making me look unreliable when the truth is I did not authorize them. 
XXXX XX/XX/XXXX Inquiry Issue : Unauthorized multiple inquiries. 
Law : FCRA 604 and 616 hold furnishers and CRAs liable for unauthorized access. 
Story : I never consented to these hard pulls. Having multiple XXXX inquiries creates a damaging picture that I am shopping around for risky loans. This has led to lenders questioning my stability and rejecting my applications. It also makes me fear that my personal data is being misused by third parties without my knowledge. 
XXXX XXXXXXXX XX/XX/XXXX Inquiry Issue : Unauthorized mortgage-related inquiries. 
Law : FCRA 604 only allows permissible purposes with consumer consent. 
Story : I was not applying for a mortgage on this date. These inquiries create the false image that I was seeking a mortgage, which lowers my score and makes me look financially unstable. Landlords and creditors may wrongly assume I am overextended or dishonest. This is extremely stressful and unfair. 
XXXX XX/XX/XXXX Inquiry Issue : Inquiries with no permissible purpose. 
Law : FCRA 604 and 607 ( b ) prohibit inaccurate and unauthorized reporting. 
Story : These inquiries were not initiated by me, yet they remain on my file. They create a harmful pattern of false credit-seeking behavior that hurts my score and makes me appear desperate for credit. This results in higher interest rates and constant denials, which is a direct injury to my financial life and peace of mind. 
Summary of Harm : TransUnions ongoing allowance of these inaccuracies has caused me repeated denials for credit cards, auto loans, and even rental applications. I have been embarrassed, stressed, and humiliated by having to explain false information that should never have been reported. These errors lower my credit score, damage my reputation, and limit my access to fair credit opportunities. 
Requested Relief : 1. Immediate deletion of all wrong addresses, false accounts, and unauthorized inquiries listed above. 
2. Written confirmation of deletions and corrections. 
3. Enforcement action against TransUnion for repeated violations of the FCRA and FDCPA. 
4. Compensation for damages caused by this false reporting, including financial losses and emotional distress. 
I request that the CFPB investigate this matter immediately and hold TransUnion accountable for their repeated negligence and willful non-compliance with federal law.

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