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: TX

Complaint narrative:
I am submitting this formal complaint against TransUnion for reporting multiple inaccurate, incomplete, and unverifiable items on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq. I have attempted to dispute these items, but TransUnion has failed to perform a reasonable investigation and continues to report erroneous and harmful information that is negatively affecting my creditworthiness. I am providing a detailed list of the errors below along with the applicable laws that are being violated. 
XXXX XXXX XXXX, XXXX, TX XXXX WRONG ADDRESS This address is being inaccurately reported on my credit file. I have never resided at this location, and it is not associated with any of my financial transactions or applications. The presence of this address indicates a failure by TransUnion to verify address data before adding it to my credit profile. This kind of error not only damages my credit integrity but XXXX  expose me to identity confusion or fraud. 
Violation : FCRA XXXX ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. 
Violation : FCRA XXXX Failure to reinvestigate and correct disputed information. 
XXXX XXXX XXXX XXXX, XXXX, TX XXXX WRONG ADDRESS I have no known connection to this address either personally or through any credit applications. TransUnion has failed to verify the validity and source of this address before including it on my report. Including false addresses undermines the credibility of my report and raises unnecessary red flags during credit evaluations. 
Violation : FCRA XXXX ( b ) Violation : FCRA XXXX XXXX  XXXX Account Number : XXXX * Date Opened : XX/XX/XXXX High Balance : {$490.00} Issue : Late Payment This account has been inaccurately reported as having late payments. I have already requested validation and a detailed breakdown of these late payments from both the creditor and TransUnion. TransUnion has failed to provide sufficient evidence or verification and continues to report these alleged delinquencies. 
Violation : FCRA XXXX ( a ) ( XXXX ) ( A ) Failure to conduct a reasonable reinvestigation. 
Violation : FCRA XXXX ( b ) Lack of accuracy and integrity of information. 
Additional Concern : Reporting inaccurate payment history without verifiable evidence damages my credit profile unjustly and is a reckless act of data handling. 
XXXX XXXX Account Number : XXXX * Date Opened : XX/XX/XXXX High Balance : {$1900.00} Issue : Late Payment This entry also contains late payment notations that are inaccurate and unverifiable. TransUnion has not conducted a thorough reinvestigation after my dispute. The continued presence of this derogatory data is a willful disregard for my consumer rights and has caused financial harm. 
Violation : FCRA XXXX Violation : FCRA XXXX ( b ) Additional Concern : This kind of repeated negligence in updating incorrect data harms my XXXX XXXX and limits my access to fair credit. 
XXXX CARD Account Number : XXXX * Date Opened : XX/XX/XXXX High Balance : {$10000.00} Issue : Charge Off This account is being reported as a charge-off without adequate documentation or validation. I have requested proof of the original delinquency, charge-off process, and account ownership. None have been provided. XXXX failure to validate and correct this entry is not only negligent but also shows a pattern of noncompliance. 
Violation : FCRA XXXX Violation : FCRA XXXX ( b ) Additional Concern : Charge-offs are extremely damaging, and reporting such a status without full investigation and consumer validation constitutes reckless disregard. 
XXXX CARD Account Number : XXXX * Date Opened : XX/XX/XXXX High Balance : {$6600.00} Issue : Charge Off This account was also marked as a charge-off without sufficient supporting documentation or investigation following my dispute. TransUnion failed to fulfill their duty of care by not verifying this derogatory information before and after reporting. 
Violation : FCRA XXXX No proper reinvestigation. 
Violation : FCRA XXXX ( b ) Failed to ensure accuracy. 
Additional Concern : Failure to resolve this despite disputes highlights intentional disregard for consumer rights and inaccurate negative reporting. 
XXXX BANK DEAL Inquiry Date : XX/XX/XXXX Issue : Hard Inquiry Without Authorization This hard inquiry appears on my report without my knowledge, consent, or application for credit. This inquiry was not initiated or authorized by me, and I did not have any dealings with XXXX Bank during that time. 
Violation : FCRA XXXX ( a ) ( XXXX ) Permissible purpose required for access to a consumer report. 
Violation : FCRA XXXX ( a ) CRA must ensure that only parties with permissible purpose access a report. 
Additional Concern : This unauthorized inquiry suggests a failure by TransUnion to validate inquiry legitimacy, potentially enabling fraud or identity theft. 
XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Hard Inquiry Without Authorization Similar to the above, this hard inquiry is also unauthorized and invalid. I did not apply for any product or service from XXXX XXXX XXXX XXXX. I have already attempted to get this removed, but TransUnion failed to investigate and continues to retain it. 
Violation : FCRA XXXX ( a ) ( XXXX ) Violation : FCRA XXXX Failure to investigate and resolve disputed inquiry. 
Additional Concern : Such unauthorized inquiries damage credit scores and indicate failure of TransUnion to uphold data integrity. 
Final Statement : TransUnion has violated multiple provisions of the Fair Credit Reporting Act by reporting wrong addresses, inaccurate account histories, and unauthorized inquiries. Despite multiple disputes, TransUnion failed to conduct proper reinvestigations or remove unverifiable and harmful information. This willful noncompliance is a direct violation of FCRA XXXX, XXXX, and XXXX. I am requesting the CFPB to initiate a full investigation into XXXX practices and ensure the immediate deletion or correction of the inaccurate items listed above. I also request compensation for the damages caused by their negligence.

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