Consumer complaint received 2025-11-05 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 filing this formal complaint against TransUnion for their continuous and deliberate reporting of inaccurate, unverifiable, and fraudulent information on my credit report, despite my repeated efforts to have these matters properly investigated and corrected. TransUnion has failed to uphold its legal obligation under the Fair Credit Reporting Act ( FCRA ), specifically under Section 611, to ensure that all information reported is accurate, verifiable, and fair. The presence of false addresses, unauthorized inquiries, incorrect payment histories, charge-offs, and collection accounts has caused serious harm to my credit standing, reputation, and financial opportunities. 

The address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX is being falsely reported on my file, which is not now nor has ever been connected to me. This is a clear breach of proper identification standards, and its continued appearance after dispute notification demonstrates negligence. 

Several accounts are being reported as charge-offs that I have no knowledge of or relationship with. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were never verified with original documentation or signatures, and yet TransUnion continues to publish them as if valid. This is a direct violation of FCRA Section 602, which requires maximum possible accuracy, and Section 609 ( a ) ( 1 ) ( A ), which mandates disclosure and validation of any account appearing on a consumer report. 

TransUnion has also failed to correct multiple accounts showing false late payments, despite the fact that I have never made late payments on any of these. The accounts falsely reporting late activity 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are clear errors and represent irresponsible reporting practices that TransUnion has chosen to ignore. 

Moreover, there are several collection accounts listed that are completely unauthorized and unverified, and I have never been provided any validation for them. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are being furnished to TransUnion without any proof of ownership, account agreement, or legitimate verification, and yet they remain on my report causing continuous damage. 

On top of these inaccuracies, multiple hard inquiries have appeared on my TransUnion report without my knowledge or consent, including 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 XXXXXX/XX/XXXX. These inquiries were not authorized, and TransUnions failure to verify or remove them after dispute notification is another violation of FCRA Section 604 ( a ) ( 3 ) and 15 U.S.C. 1681b ( f ).

TransUnions pattern of negligence and failure to conduct a lawful reinvestigation demonstrates a reckless disregard for consumer rights and federal law. The agency continues to publish false, damaging, and unverifiable information that directly affects my creditworthiness. I have suffered credit denials, emotional distress, and loss of financial opportunities as a result of TransUnions repeated noncompliance. 

I am demanding immediate CFPB intervention and enforcement action to hold TransUnion accountable for its repeated FCRA violations. I request that the CFPB direct TransUnion to delete all unverified, unauthorized, and inaccurate information from my credit file, issue written confirmation of the deletions, and take corrective measures to prevent further reporting errors. Additionally, I request a fair resolution including all necessary updates to reflect an accurate and verified credit record free from false addresses, unauthorized inquiries, charge-offs, collections, and incorrect payment data. 

TransUnions ongoing disregard for accuracy, transparency, and federal compliance is unacceptable. I am seeking the CFPBs assistance to ensure full investigation, accountability, and a permanent resolution to this matter.

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