Consumer complaint received 2025-08-08 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: MS

Complaint narrative:
I am filing this complaint against TransUnion for their ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ). Despite my repeated disputes, they continue to report inaccurate, incomplete, and unverifiable information on my credit report. I have exercised my rights under FCRA 602, 603, 607 ( b ), 609, 611, and 623, yet TransUnion has failed to maintain maximum possible accuracy, to provide proper verification, or to remove disputed accounts that can not be substantiated with original documentation.

One of the first issues I noticed was the presence of a wrong address, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, which has never been associated with me. Reporting a false address not only violates 607 ( b ) but also places me at increased risk for identity theft. This misinformation alone calls into question the integrity of my entire credit file. 

In addition, several accounts are being reported as charge-offs while showing a {$0.00} balance, which is contradictory and misleading. These include XXXX XXXX XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX  The law under 609 ( a ) gives me the right to obtain all original records, including signed contracts and payment histories, from the furnisher of each account. TransUnion has failed to provide such proof, yet continues to report these entries as derogatory. This is a direct violation of 611 ( a ) ( 5 ) ( A ), which requires deletion of unverifiable information, and of 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from knowingly reporting inaccurate data.

Additionally, there are multiple inquiries on my report that I did not authorize, in violation of 604 of the FCRA. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. None of these inquiries were initiated by me, nor do they have any permissible purpose under the law. TransUnions continued reporting of these unauthorized inquiries is both inaccurate and damaging to my creditworthiness. 

By continuing to report these items after I have formally disputed them, TransUnion has willfully ignored their legal obligations under the FCRA. They have relied on unverifiable electronic confirmations instead of obtaining original documentation from the furnishers. This practice is not compliant with federal law and has caused me significant harm, including emotional distress, loss of credit opportunities, and reputational damage.

I am requesting that the CFPB investigate TransUnions handling of my disputes and require them to permanently delete all inaccurate, incomplete, and unverifiable information from my credit file. I am also requesting that they be held accountable for their repeated noncompliance with the FCRA and any other applicable consumer protection laws.

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