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: NC

Complaint narrative:
I am filing this complaint against TransUnion for willfully and negligently reporting inaccurate, unverifiable, and unauthorized information on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 et seq. The agency has continued to report wrong addresses, incorrect accounts with derogatory information, and multiple unauthorized inquiries without proper investigation or verification, despite my rights under federal law. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX This is not my address and I have never resided there. Reporting this inaccurate address creates confusion about my identity and potentially links me to fraudulent or irrelevant activity. This violates FCRA Section 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have no affiliation with this address whatsoever. Its presence on my report suggests a failure of reasonable verification procedures by TransUnion, constituting a direct breach of FCRA 15 U.S.C 1681e ( b ) regarding accuracy. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address is not mine. TransUnion has failed to remove this erroneous data and continues to maintain it in my file despite it being false, violating FCRA Section 602 ( a ) and Section 607 ( b ) regarding data integrity and identity protection. 
XXXX XXXX XXXX XXXXXXXX * * * Date Opened : XX/XX/XXXX High Balance : {$22000.00} This account contains multiple late payment notations which are inaccurately reported. I have disputed this account on multiple occasions, yet TransUnion failed to conduct a proper reinvestigation or provide a method of verification as required under FCRA 15 U.S.C 1681i ( a ). Additionally, continued reporting of this inaccurate derogatory data without sufficient proof constitutes willful noncompliance under FCRA Section 623. 
XXXX * * * Date Opened : XX/XX/XXXX High Balance : {$1900.00} This account is being reported as a charge-off, which is inaccurate and unverifiable. The reporting of this information without proper substantiation and without notifying me of my right to dispute the debt violates FCRA Sections 611 and 623 ( b ). TransUnion has failed in its obligation to maintain accurate consumer information. 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX High Balance : {$28000.00} This account shows late payments that are either incorrectly recorded or outdated. I previously submitted disputes and supporting documentation, but TransUnion has failed to conduct a meaningful reinvestigation. This is a violation of FCRA 15 U.S.C 1681i and shows disregard for consumer rights. 
XXXX Inquiry Date : XX/XX/XXXX This hard inquiry was made without my knowledge or consent and is unauthorized. TransUnion is required under FCRA Section 604 ( a ) ( XXXX ) to ensure that only permissible purpose inquiries appear on consumer files. This unauthorized inquiry has harmed my credit profile without justification. 
XXXX Inquiry Date : XX/XX/XXXX I did not authorize this credit pull and have no existing relationship or prior application with this entity. Reporting such unauthorized inquiries violates FCRA 15 U.S.C 1681b ( c ) and constitutes a breach of my right to privacy. 
XXXX Inquiry Date : XX/XX/XXXX This inquiry was made without permissible purpose. There has been no transaction, application, or account with this institution. TransUnion has not provided documentation proving otherwise, violating my rights under FCRA Section 604. 
XXXX XXXX Inquiry Date : XX/XX/XXXX I never applied for credit with XXXX XXXX XXXX XXXX on this date. This unauthorized inquiry indicates a failure by TransUnion to vet and verify permissible purpose under FCRA Section 604 ( a ). 
XXXX XXXX Inquiry Date : XX/XX/XXXX A second inquiry from the same institution, also unauthorized. The presence of duplicate, unapproved hard inquiries harms my credit standing and violates FCRA 15 U.S.C 1681b ( f ). 
XXXX Inquiry Date : XX/XX/XXXX I have no affiliation with this organization. This hard pull was unauthorized and was not tied to any credit application or service request, thus breaching FCRA 604 ( a ) ( 3 ) and my rights to restrict third-party access. 
XXXX Inquiry Date : XX/XX/XXXX A second unauthorized inquiry by XXXX reported by TransUnion without evidence of my consent or application. This indicates gross negligence in protecting consumer data and rights, violating the Fair Credit Reporting Act. 
Based on the above, I request a full and thorough reinvestigation of all disputed items under FCRA Section 611, and demand the immediate deletion of all unverifiable addresses, incorrect account data, and unauthorized inquiries from my credit file. TransUnion has failed in its obligation to ensure data accuracy, reinvestigate disputes properly, and protect consumer privacy. I am seeking full correction of my file, a written summary of the reinvestigation results, and compliance with FCRA within XXXX days as required by 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