Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
I am submitting this complaint against TransUnion for allowing multiple inaccurate, unverified, and fraudulent accounts and addresses to remain on my credit report despite my repeated efforts to correct them. These errors have seriously affected my credit score and reputation, and I am now requesting the CFPB to take immediate action and ensure TransUnion complies with the Fair Credit Reporting Act ( FCRA ). 

My credit report with TransUnion contains an address that does not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never lived at or been associated with this address, yet TransUnion continues to report it as part of my file. 

Additionally, there are several accounts on my report that are either inaccurate, unverified, or completely unknown to me. TransUnion has failed to properly investigate or remove them. These include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, which is incorrectly reported with a late payment even though I have never missed any payments. Another account, XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$420.00}, is listed as a charge-off, but I have no knowledge of ever having this account. XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} is being reported with late payments, which is also false. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} is listed as a charge-off, yet I have no connection or agreement with this creditor. 

TransUnion is also reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1800.00}, which I have never authorized or opened. Similarly, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$510.00} is being reported as a charge-off account that I have no knowledge of. Another unknown and inaccurate account, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1600.00}, is listed as a collection even though I have never opened such an account. 

TransUnion also continues to report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$960.00}, which I do not recognize and have no relationship with. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$670.00} is another inaccurate collection account that is not mine. They are also showing XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$330.00} as a collection account, which I have never opened or authorized. 

Furthermore, an inquiry from XXXX XXXX Dated : XX/XX/XXXX appears on my report even though I never applied for any credit or authorized this company to pull my report. This is a violation of FCRA 604 ( a ), which prohibits access to consumer credit files without a permissible purpose.

Despite my written disputes and requests for proper reinvestigation under FCRA 611, TransUnion has failed to conduct a reasonable investigation or remove these unverified items. Their continued reporting of this inaccurate and unverifiable information is a clear violation of FCRA 602A and 623, which require them to ensure maximum possible accuracy and to delete or correct any information that can not be verified. 

These repeated violations have caused me significant harm, including credit denials, emotional distress, and financial hardship. I am requesting the Consumer Financial Protection Bureau to investigate this matter and hold TransUnion accountable for its failure to comply with the Fair Credit Reporting Act. I am also requesting that all inaccurate, unverified, and fraudulent accounts and the incorrect address listed above be permanently deleted from my TransUnion credit report.

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