Consumer complaint received 2025-08-15 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: LA

Complaint narrative:
I am filing this complaint because TransUnion has willfully continued to report inaccurate and unverified information on my credit report despite my formal disputes. This ongoing negligence is causing me financial harm, emotional distress, and reputational damage. The law is clear under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ) and 1681i ( a ), that credit reporting agencies must maintain maximum possible accuracy and conduct a reasonable reinvestigation when a consumer disputes an item. TransUnion has failed to uphold these obligations. 

First, my credit file contains XXXX addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. I have never lived at, worked at, or had any financial association with these locations. The inclusion of these addresses creates a false and misleading connection to accounts that are not mine. Under 15 U.S.C. 1681e ( b ), TransUnion must ensure the maximum possible accuracy of consumer files, and continuing to report addresses I have confirmed as inaccurate is a violation of this requirement. 

My report also shows a XXXX XXXX account, number XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a {$420.00} charge-off balance. I have no recollection of ever opening an account with this company. TransUnion has failed to provide me with any signed application, original contract, or billing history to verify its accuracy. Reporting a charge-off without verifiable documentation is misleading and unlawful under 15 U.S.C. 1681i ( a ), which mandates deletion if an item can not be verified during a reinvestigation. 

Similarly, the XXXX account, number XXXXXXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a {$4100.00} charge-off balance, is inaccurate and unverified. I have never been provided with proof that this account belongs to me. No contract, application, or payment history has been shown to justify its continued reporting. The FCRA explicitly requires that unverifiable accounts be deleted, yet TransUnion continues to report it in willful disregard of my rights under 15 U.S.C. 1681e ( b ) and 1681i ( a ). 

Lastly, my report contains an unauthorized inquiry from XXXX XXXX dated XX/XX/XXXX. I never gave this company permission to access my credit file, and TransUnion has failed to provide evidence of a permissible purpose as required under 15 U.S.C. 1681b. Unauthorized inquiries are not only a violation of my privacy but also have a direct negative impact on my credit score. 

XXXX continued reporting of these wrong addresses, unverifiable charge-offs, and unauthorized inquiries demonstrates a pattern of noncompliance with federal law. These actions have denied me fair access to credit, caused unnecessary stress, and undermined the integrity of my credit profile. I am requesting that the Consumer Financial Protection Bureau investigate XXXX  repeated violations of the Fair Credit Reporting Act and take enforcement action to ensure my file is corrected immediately.

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 explanation