Consumer complaint received 2025-06-24 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: NY

Complaint narrative:
Dear CFPB Officer, I am filing this formal complaint against TransUnion for their continuous failure to maintain accurate, complete, and verifiable information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and the Fair Debt Collection Practices Act ( FDCPA ).

Despite multiple disputes sent directly to TransUnion, the agency has failed to conduct proper reinvestigations as required under FCRA 611 [ 15 U.S.C. 1681i ], and continues to report inaccurate and unverified accounts on my consumer credit file. I am listing each disputed account below, along with detailed issues, law violations, and my statement regarding the matter. 
Incorrect Address Reporting Address Reported : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Issue : This address is inaccurate and was never associated with me. It may have originated from a case of mixed file, identity theft, or inaccurate furnishings. 
Violation : FCRA 607 ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) Right to full disclosure of the source and recipient of this information. 
XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$5400.00} Status : Charge Off Issue : This account was closed and charged off under disputed circumstances. I never received accurate billing statements nor was I provided validation. This charge-off is outdated, unverifiable, and harming my credit profile. 
Violations : FCRA 611 Failure to reinvestigate disputed information.

FDCPA 809 ( b ) Lack of debt validation.

FCRA 602 ( A ) Unfair damage to consumers reputation.

Statement : I have repeatedly requested verification and documentation regarding this charge-off with no proper response. Reporting this account without accurate validation is damaging and misleading. 
2. XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$6800.00} Status : Charge Off Issue : This charge-off entry remains on my credit report without validation or proof of liability. I requested account statements and signed agreements under my namenone were provided.

Violations : FCRA 611 ( a ) ( 1 ) ( A ) No reinvestigation.

FCRA 609 ( a ) ( 1 ) Furnisher failed to validate the debt.

FDCPA 807 False and misleading representation of a debt.

Statement : TransUnion has not fulfilled its legal duty to verify the authenticity of this debt. The continued reporting of this unverified account is defamatory and affecting my financial stability. 
3. XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$710.00} Status : Collection Issue : This debt is being reported as active in collection, but no proper debt validation has ever been provided. Additionally, XXXX has been known to purchase time-barred or unverifiable debt. 
Violations : FDCPA 809 Debt not validated.

FCRA 607 ( b ) Failure to maintain accuracy and verify collection legitimacy.

FCRA 611 No investigation was done after disputes.

Statement : This collection has caused significant harm to my credit and mental well-being. TransUnion continues to report this with negligence even after direct disputes, making this a willful violation.

4. XXXX  Date of Inquiry : XX/XX/XXXX Status : Hard Inquiry Issue : I did not authorize this hard inquiry. This inquiry may be a result of identity theft or misattribution.

Violation : FCRA 604 Permissible Purpose.

FCRA 609 ( a ) ( 3 ) Failure to provide the purpose and recipient of inquiry.

Statement : This inquiry is unauthorized and must be removed immediately as it impacts my credit score and violates my privacy rights.

5. XXXX Date of Inquiry : XX/XX/XXXX Status : Hard Inquiry Issue : Similar to the XXXX inquiry, this entry was not made with my consent. No credit was applied for from XXXX XXXX 
Violation : FCRA 604 ( a ) ( 3 ) No permissible purpose.

FCRA 607 ( a ) Lack of proper procedures to ensure inquiries are authorized.

Statement : I am a victim of unauthorized access to my credit file. These entries suggest a breach of security and require urgent investigation. 
Final Statement : I have exhausted my efforts to work directly with TransUnion. They have failed to correct multiple factual inaccuracies on my credit report and have not followed their statutory duties under the FCRA and FDCPA. This negligence has severely impacted my ability to access fair credit, job opportunities, and housing. 
I request the CFPB to investigate these matters thoroughly and instruct TransUnion to : 1. Immediately remove all inaccurate and unverifiable entries listed above.

2. Delete the unauthorized inquiries from XXXX and XXXX. 
3. Remove the incorrect address from my credit profile.

4. Provide full documentation and sources of these accounts and inquiries as required by law. 
I am also requesting that these violations be recorded for regulatory review and that TransUnion be held accountable for repeated noncompliance.

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