Consumer complaint received 2025-08-23 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: AZ

Complaint narrative:
I am filing this complaint because my TransUnion credit report contains numerous errors that are severely damaging my credit profile and violating my rights under the Fair Credit Reporting Act ( FCRA ). Despite my repeated disputes, these inaccurate items remain, and TransUnion has failed to properly investigate or provide documentation to support their reporting. These errors are making it difficult for me to qualify for credit, housing, and other financial opportunities, and I feel I am being treated unfairly as a consumer who is simply asking for accuracy and proof. 

There are several addresses on my credit file that I have never lived at, including XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. Having these incorrect addresses tied to my personal information creates unnecessary confusion, increases my risk of identity theft, and demonstrates that TransUnion is not maintaining the maximum possible accuracy of my report as required by FCRA 1681e ( b ). 

I am also disputing multiple accounts that are being reported inaccurately or without proper documentation. These include XXXX XXXX XXXX  account XXXX, which is reported as a charge off despite me never opening or authorizing this account. XXXX XXXX account XXXX is marked as a charge off, but no verification has been provided, and the same applies to XXXX  account XXXX, XXXX XXXX  account XXXX, XXXX account XXXX, and XXXX XXXX account XXXX. Several of these accounts even show {$0.00} balances while still being reported as charge offs, which is misleading and harmful to my creditworthiness. 

XXXX XXXX XXXX account XXXX and XXXX account XXXX  are showing late payments that are completely inaccurate, with no documentation to validate these claims. XXXX XXXX XXXX collection account XXXX is being reported without any proof that the debt is mine, which is a direct violation of both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). TransUnion has also listed a bankruptcy under U.S. Bankruptcy Court reference number XXXX, which I believe is inaccurate and has not been verified with certified court records. 

Additionally, there is an inquiry from XXXX dated XX/XX/year> that I do not recall authorizing. Reporting unauthorized inquiries without proper validation violates my rights under FCRA 1681b. 

I have requested multiple times for TransUnion to investigate these accounts and provide documentation from the original creditors and the court. Instead, they continue to report these harmful items without proof, which is a clear violation of my rights under FCRA 1681i. As a consumer, I am entitled to fair and accurate credit reporting, yet TransUnion has failed to uphold this legal responsibility.

I am asking the Consumer Financial Protection Bureau to step in and ensure that TransUnion conducts a proper reinvestigation. If they can not provide complete, accurate, and verifiable documentation for every one of these accounts and addresses, they must delete them. These errors are causing me significant stress, financial hardship, and reputational harm. I believe that TransUnions continued failure to maintain accuracy is not only negligent but a violation of 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 non-monetary relief