Consumer complaint received 2025-08-14 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: GA

Complaint narrative:
I am filing this complaint against TransUnion for their continued reporting of multiple inaccurate, unverifiable, and unauthorized items on my credit report, despite my disputes under the Fair Credit Reporting Act ( FCRA ). These errors are causing ongoing financial and emotional harm, as they lower my credit score, misrepresent my creditworthiness, and lead to unjust denials of credit opportunities. 

TransUnion is reporting two addresses that I have never lived at : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. I have no association with these properties, and they are clearly unverifiable. Under FCRA 605B and 609 ( a ) ( 1 ) ( A ), personal identifying information must be accurate, and unverifiable addresses must be deleted after a dispute. 

They are also reporting multiple accounts with inaccurate late payment histories, including XXXX XXXX XXXX accounts opened on XX/XX/XXXX with balances of {$23000.00} and {$47000.00}, as well as a Department of EducationXXXX account opened on XX/XX/XXXX with a balance of {$65000.00}. These late payment entries have not been validated with original creditor records as required under FCRA 611 ( a ) and 623 ( a ) ( 1 ) ( B ). In the case of the XXXX accounts, they appear to be duplicates, which further distorts my credit profile and artificially increases my debt-to-income ratio, violating FCRA 607 ( b ). 

TransUnion is also reporting a collection account from XXXX XXXX, opened XX/XX/XXXX, with a balance of {$4200.00}. This debt has not been validated with proper documentation from the original creditor as required under FCRA 609 ( a ) ( 1 ) ( A ) and the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ). Reporting this account without proof that the debt is valid and collectible is a direct violation of federal law. 

Additionally, they are reporting a XXXX account opened on XX/XX/XXXX with a {$1500.00} balance as a charge-off. This entry has not been substantiated with signed agreements or payment history records from the creditor, making it unverifiable under FCRA 623 ( a ) ( 1 ) ( A ). 

There are also multiple unauthorized hard inquiries on my report : XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX  ( XX/XX/XXXX ). I never applied for credit with these companies and never authorized these inquiries. Under FCRA 604 ( a ) ( 3 ), a permissible purpose must exist for a credit pull, and in these cases, no such purpose exists. 

Despite my disputes, TransUnion has failed to remove these inaccuracies, failed to provide proper verification, and continues to publish false and damaging information in violation of FCRA 611 ( a ). The law requires them to conduct a reasonable reinvestigation and delete unverifiable or inaccurate items within 30 days. Their refusal to comply is willful and negligent under FCRA 616 and 617, and I am requesting CFPB intervention to compel TransUnion to correct my file immediately. 

These violations have caused me measurable harm, including credit denials, higher interest rates, and significant emotional distress. I request that the CFPB require TransUnion to delete all inaccurate and unverifiable information, provide written confirmation of the corrections, and ensure full compliance with the FCRA and FDCPA.

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