Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
I am submitting this formal complaint against TransUnion for inaccurate and harmful information being reported on my credit file. The reporting contains multiple errors, including accounts with incorrect statuses, wrong addresses, and unauthorized/inaccurate hard inquiries. These entries have significantly affected my credit score and caused me financial and emotional distress. Despite my attempts to resolve these issues through disputes, TransUnion has failed to correct or delete the inaccurate information in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address is not and has never been associated with me. TransUnion failed to verify or validate this incorrect address before placing it on my credit report, which constitutes a direct violation of FCRA 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address is inaccurately linked to my credit profile. I have never lived at this address. Continuing to report this without proper verification violates FCRA 1681i ( a ) Failure to reinvestigate disputed information. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  High Balance : {$450.00} Date Opened : XX/XX/XXXX Charge Off This account is being reported as a charge-off, which is inaccurate. The tradeline does not reflect accurate payment history, and TransUnion failed to verify the account following my disputes. This violates FCRA 1681i and 1681e ( b ), as well as the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ), which prohibits communicating false credit information. 
XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$19000.00} Date Opened : XX/XX/XXXX Charge Off This account is inaccurately reported as charged-off and contains inconsistent information regarding balance and payment history. TransUnion failed to conduct a proper reinvestigation. This violates FCRA 1681s-2 ( b ), requiring furnishers to investigate disputes thoroughly. 
XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$990.00} Date Opened : XX/XX/XXXX Late Payment Late payments are inaccurately reported, and no validation was provided upon dispute. This violates FCRA 1681i ( a ) and 1681e ( b ), along with FDCPA 15 U.S.C. 1692e. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX High Balance : {$15000.00} Date Opened : XX/XX/XXXX Late Payment The reported late payment is inaccurate and disputed. TransUnion has refused to delete or correct this tradeline. This is a violation of FCRA 1681i and FDCPA 1692e ( 8 ) for continuing to report inaccurate data. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$580.00} Date Opened : XX/XX/XXXX Charge Off This account should not be listed as charged-off. TransUnion failed to verify the legitimacy and accuracy of the account during the reinvestigation process. This is a violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ), which prohibits the reporting of information with knowledge of errors. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$33000.00} Date Opened : XX/XX/XXXX Charge Off This charge-off was reported inaccurately and does not reflect the proper payment history. My disputes were ignored. This violates FCRA 1681i ( a ) and FDCPA 1692e for false or misleading representations. 
XXXX XXXX XXXX Inquiry on XX/XX/XXXX This hard inquiry was done without my authorization or permissible purpose. Under FCRA 1681b ( c ), credit reporting agencies must ensure inquiries are based on a legitimate business need. This was not the case. 
XXXX XXXX XXXX on XX/XX/XXXX Unauthorized inquiry harming my credit profile. TransUnion failed to confirm the legitimacy of this access to my report. This violates FCRA 1681b ( a ). 
XXXX OF XXXX XXXX on XX/XX/XXXX I did not apply for any credit or loan from this agency around the time of this inquiry. This constitutes a violation of FCRA 1681b ( f ) which restricts access to credit reports without consumer consent. 
XXXX XXXX XXXX Inquiry on XX/XX/XXXX This inquiry was unauthorized and placed without proper consent. FCRA 1681b ( a ) ( 3 ) requires a permissible purpose before an inquiry can be made. TransUnion allowed this without validation. 
XXXX XXXX Inquiry on XX/XX/XXXX I did not authorize this hard inquiry. It was added without a permissible purpose or prior approval, which violates FCRA 1681b and my consumer privacy rights.

I have made multiple attempts to have these inaccuracies removed or corrected, yet TransUnion continues to maintain these errors in violation of my rights under
FCRA and FDCPA. I respectfully request a thorough investigation into TransUnions data reporting practices and demand that the inaccurate accounts, inquiries, and addresses be permanently removed from my credit report. I also request that TransUnion be held accountable for failing to follow the law and that the CFPB ensure compliance going forward.

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