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: OK

Complaint narrative:
I am filing this complaint against TransUnion for reporting inaccurate, incomplete, and unverifiable information on my consumer credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Despite multiple attempts to resolve these issues directly with TransUnion, the agency has failed to conduct a reasonable investigation, continues to publish false data, and has caused significant harm to my creditworthiness, mental peace, and financial opportunities. I am outlining each issue below with the related legal violations : XXXX XXXX XXXX XXXX XXXX XXXX Issue : This address is inaccurate and has no verifiable connection to me. I have never resided at, received mail at, or had any association with this address. TransUnion has reported this address without my authorization or supporting documentation. 
Violation : Reporting inaccurate personal identifying information violates 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

Supporting Note : The continued reporting of this false address creates risk of identity confusion and associating my file with someone else 's derogatory data, which affects my credit profile and lending decisions.

Relief Requested : Immediate deletion of this address and an investigation into how it was included in my file. 
XXXX XXXX XXXX XXXX XXXX, OK XXXX Issue : This is another incorrect address reported by TransUnion. I have never lived at or been associated with this address in any capacity. 
Violation : This violates FCRA 1681e ( b ) and FCRA 1681i ( a ) ( 1 ) ( A ) for failing to perform a proper reinvestigation when disputed.

Supporting Note : Misreporting residential history can trigger automatic rejections from lenders, raise fraud flags, and cause delays in credit decisions. This inaccuracy is damaging and negligent.

Relief Requested : Permanent removal of this address and a written explanation of how TransUnion verified this entry. 
XXXX Inquiry on XX/XX/2024 Issue : This hard inquiry was made by XXXX without my knowledge, permission, or any initiated credit application on my part. I did not authorize XXXX to access my credit file. 
Violation : This violates FCRA 1681b ( c ), which strictly prohibits unauthorized credit pulls without a permissible purpose or consumer-initiated action.

Supporting Note : An unauthorized hard inquiry can lower my credit score and creates legal liability for both the creditor and the bureau allowing it. TransUnion failed to verify the legitimacy of this inquiry before allowing access to my file. 
Relief Requested : Immediate removal of this unauthorized inquiry and confirmation that future requests without permissible purpose will be blocked.

Summary of Violations by TransUnion Failure to maintain accurate personal identifying information ( FCRA 1681e ( b ) ) Failure to reasonably investigate disputed information ( FCRA 1681i ) Allowing unauthorized access to my credit report ( FCRA 1681b ) I have suffered harm due to these violations, including denial of credit, emotional distress, and potential exposure to identity fraud. These actions demonstrate systemic negligence on the part of TransUnion in maintaining the integrity of my consumer file. I respectfully request that the Consumer Financial Protection Bureau take immediate action to investigate this matter, compel TransUnion to correct all inaccurate and unauthorized entries, and impose appropriate sanctions for these breaches of federal law.

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