Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I submitted a detailed written dispute to TransUnion on XX/XX/XXXX, identifying multiple inaccuracies in my TransUnion credit report. These disputed items included incorrect personal information entries, inaccurate account records, and unauthorized credit inquiries ( all outlined below ). To date, well over 30 days have passed, and TransUnion has failed to respond or correct these issues. This lack of action violates the Fair Credit Reporting Acts 30-day reinvestigation requirement ( 15 U.S.C. 1681i ), which mandates the credit bureau to investigate and respond within 30 days of receiving a dispute. XXXX continued reporting of the disputed inaccurate information means it has not met its obligation under 15 U.S.C. 1681e ( b ) to assure maximum possible accuracy of my credit file. Furthermore, TransUnion has not deleted information that is inaccurate or can not be verified, in contravention of 15 U.S.C. 1681i ( 5 ), which requires removal of unverifiable data after a dispute. The situation also suggests that the furnishers of this information ( the creditors/collectors ) are failing their duties under 15 U.S.C. 1681s-2 to report accurate information and to investigate and correct errors. I am bringing this complaint because XXXX inaction is unacceptable under the FCRA and is causing ongoing harm to my credit profile. Disputed Personal Information Entries : ( included in my XX/XX/XXXX dispute letter to TransUnion ) XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Outdated address. I no longer reside at this address, and it should not be listed as a current address on my credit report. 
XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX Invalid/misformatted address. I have never lived at XXXX XXXX XXXX XXXX XXXX. This appears to be an incorrect entry that needs to be removed. 
XXXX Employer : XXXX  Incorrect employer entry. XXXX  is not an employer I have ever worked for. This erroneous employment information should be deleted ( my correct employer, XXXX XXXX XXXX, is already listed on my report ). 
Disputed Account Entries : ( inaccurate accounts reported on TransUnion, all disputed on XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection account Original Creditor : XXXX XXXX XXXX XXXX XXXX {$1100.00} ) Inaccurate/unverified collection. This account claims I owe a XXXX debt that I do not recognize. I have never received validation for this debt. Reporting this collection without proof violates the FCRA and indicates the furnisher has not fulfilled its duties. 
XXXX XXXX  XXXX XXXX ( Closed collection Original Creditor : XXXX XXXX XXXX XXXX XXXX {$1100.00} ) Duplicate collection entry. This is essentially the same XXXX account as XXXX. It appears as a legacy/duplicate entry ( marked closed ) that should have been removed once the debt was transferred or the first collection entry was added. Its continued presence is an error causing confusion on my report. 
XXXX XXXX XXXX ( Credit Card Charge-off, approx. {$3700.00} ) Unverified charge-off account. This account was charged off and presumably sold or assigned to a collection agency, yet TransUnion is still reporting it with a large balance and severe delinquency. I dispute the accuracy of this tradeline it is unclear who currently owns the debt or if the information is up to date. No documentation has been provided to verify the accuracy of this accounts reporting. 
XXXX Department of EducationXXXX XXXX XXXX XXXX XXXX Incorrect late payment data. This student loan is reported with multiple late payments that are inaccurate. I had previously disputed this account, as noted by a comment on my report ( completed investigation consumer disagrees ), yet TransUnion continues to report the same derogatory payment history. The late payments have not been verified and should not be on my report. 
XXXX Department of EducationXXXX XXXX XXXX XXXX XXXX Inaccurate delinquency information. Similar to XXXX, this separate XXXX loan account is showing late payments that did not occur as reported. The furnisher has provided no proof of these supposed delinquencies. This indicates unreliable data that TransUnion should not be reporting without proper verification. 
XXXX Department of EducationXXXX XXXX XXXX XXXX XXXX Duplicated error in student loan reporting. This loan account is also marked with derogatory payment history that appears to be a duplicate error ( the same incorrect late payment data as the other loans ). The repetition of this error across multiple student loan entries further shows a lapse in data accuracy. 
XXXX Department of EducationXXXX XXXX XXXX XXXX XXXX Contested late payment reporting. Yet another student loan tradeline showing late payments that I dispute. The pattern is the same as above : the reported delinquencies are inaccurate and unsubstantiated by any evidence from the furnisher. These errors remain uncorrected on my TransUnion report. 
Unauthorized Hard Inquiries : ( appearing on TransUnion report, disputed as unauthorized in my XX/XX/XXXX letter ) XXXX XXXX Card ( XXXX  ) Hard inquiry dated XX/XX/XXXX. Unauthorized inquiry. I did not apply for or request credit with XXXX on or around this date. There was no permissible purpose for this credit pull. It should not be on my report. 
XXXX XXXX XXXX  XXXX inquiry dated XX/XX/XXXX. Unauthorized inquiry. I have no record of initiating a mortgage application or credit inquiry with XXXX XXXX  at that time. I did not consent to this credit check. 
XXXX XXXX XXXX  XXXX inquiry dated XX/XX/XXXX. Unauthorized duplicate inquiry. Similar to XXXX, I did not authorize this inquiry. It appears that a second, duplicate hard pull was done around the same time as the XX/XX/XXXX inquiry, without my approval. 
XXXX XXXX XXXX XXXX inquiry dated XX/XX/XXXX. Unauthorized inquiry. I did not apply for any new credit with XXXX XXXX on that date. I had no dealings with XXXX XXXX that would justify a hard inquiry, so this entry is improper. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry dated XX/XX/XXXX. Unauthorized inquiry. I did not give XXXX XXXX XXXX ( the car dealership ) or XXXX XXXX XXXX permission to run my credit on that date. This credit pull was done without my consent during a car shopping process. 
XXXX XXXX XXXX  XXXX inquiry dated XX/XX/XXXX. Unauthorized inquiry. I did not seek any credit or loan with XXXX XXXX  at that time. I never authorized this older inquiry, which still remains on my TransUnion report. 
Each of the personal data errors, account inaccuracies, and unapproved inquiries listed above was included in my XX/XX/XXXX dispute letter to TransUnion. I provided TransUnion ample information to investigate these matters, yet TransUnion has taken no action to verify or correct these items within the legally required timeframe. Under the FCRA, any information that can not be verified must be promptly deleted from my credit file. TransUnions failure to do so for each item I disputed is a clear breach of its obligations.

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