Consumer complaint received 2025-06-20 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:
I am submitting this formal complaint against TransUnion due to their negligent handling of inaccurate, outdated, and unverifiable information on my credit report, which has severely damaged my creditworthiness and financial stability. This is my first formal complaint, and I am pursuing this route because all attempts to resolve these issues directly with TransUnion have failed. 

TransUnion is in direct violation of several provisions under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) Duty to ensure maximum possible accuracy.

15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681b ( f ) Reporting inquiries without a permissible purpose.

15 U.S.C. 1681c ( a ) ( 5 ) Reporting outdated negative information.

Personal Statement ( Background Story ) : I have worked hard to rebuild my life financially, but TransUnions continued reporting of inaccurate, outdated, or unverifiable accounts and inquiries is holding me back. Despite taking the appropriate stepsdisputing these items and providing documentationTransUnion has failed to conduct proper investigations or remove the damaging information. 

Because of this, Ive been denied credit, offered only high-interest rates, and have suffered emotional distress, lost opportunities, and financial setbacks. Ive reached my limit, and XXXX turning to the CFPB for intervention to ensure TransUnion is held accountable under the law. 

Issue-by-Issue Breakdown : Wrong Addresses ( Violation of 1681e ( b ) ) : These addresses were never mine and are being inaccurately reported, which creates confusion and identity mix-ups : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Not associated with me. 

Late Payment Accounts ( Violation of 1681e ( b ) & 1681i ) : These accounts are reporting late payments that are either unverifiable, inaccurate, or were already resolved : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reports repeated late payments that I dispute as inaccurate. 

I have no verifiable proof of these delinquent marks and request a full investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported late payments with no valid documentation provided upon dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account reflects delinquency from XXXX that was resolved ; reporting is outdated and unfair. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has inconsistent reporting dates ; I demand verification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payment data is unverifiable and causing score suppression. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This large balance account shows late payments I never made ; the accuracy is highly questionable. 

XXXX Accounts ( Violation of 1681c & 1681i ) : These accounts are charged off, some of which are more than XXXX XXXX XXXX or completely unverified : FST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed as charged off, but the original balance was settled. No reinvestigation results were provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( duplicate ) Same account listed twice under different balances clear reporting error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was closed amicably ; charge-off status is false. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported is incorrect ; requested verification never received. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account was disputed over 30 days ago ; no update was provided, violating FCRA 1681i. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-off date conflicts with actual last payment ; I demand a reinvestigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple inaccuracies in reported payment dates and balance. 

Collection Accounts ( Violation of 1681e ( b ) & 1681i ) : The following accounts are in collection status, reported by debt buyers, yet no original documentation was provided after dispute : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX No original creditor information or validation notice was ever received. 

XXXXXXXX XXXX XXXX XXXX XXXX Duplicate and unverified entry, likely in violation of FDCPA as well. 

XXXX XXXXXXXX XXXX XXXX XXXX  ( appears twice ) Same account listed under different balances deceptive and confusing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No records provided upon dispute ; account not recognized. 

These collection accounts are reported without supporting documentation from the original creditors or evidence of assignment. This violates FCRA 1681i ( a ) and constitutes continued reporting of unverifiable data. 

Unauthorized Hard Inquiries ( Violation of 1681b ( f ) ) : The following companies made inquiries into my credit report without my consent or any initiated application : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without a permissible purpose, in violation of 15 U.S.C. 1681b ( f ). I never authorized these companies to access my credit.

Resolution Requested : I am requesting the immediate deletion or correction of all items listed above and a written confirmation that TransUnion has completed a thorough reinvestigation in accordance with the law. I also ask that TransUnion : Provide documentation verifying each item Remove any item that can not be verified within 30 days Ensure that duplicate or outdated entries are permanently deleted Should TransUnion fail to act, I am prepared to escalate this matter by filing formal complaints with the FTC, state attorney general, and if necessary, pursue civil litigation for non-compliance with the FCRA.

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