Consumer complaint received 2025-06-22 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: SC

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against TransUnion for their repeated and willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, regarding the reporting of inaccurate personal information, unauthorized credit inquiries, and unverified negative tradelines that have severely damaged my credit profile.

Despite my good faith attempts to resolve these issues directly with TransUnion, the inaccuracies remain unresolved. I am providing detailed information below for your investigation.

1. Incorrect Address Reporting Violation of FCRA 1681e ( b ) 2764 XXXX, XXXX XXXX, SC XXXX This is an address that I have never lived at, nor do I have any known association with this location. Reporting this address violates FCRA 1681e ( b ), which requires credit bureaus to maintain accurate records. 
This misinformation creates confusion about my identity and exposes me to the risk of identity theft or mixed file errors. 
XXXX. XXXX Account # XXXX Open Date : XX/XX/XXXX High Balance : {$1700.00} Status : Collection This account is being reported without proper validation or investigation. Under FCRA 1681i ( a ) and 15 U.S.C. 1692g of the FDCPA, I have a legal right to request validation of any debt reported. 
I requested verification of this debt, including a copy of the original contract and the itemized accountingbut received none. 
Continuing to report this without proper investigation is a violation of FCRA 1681i and constitutes negligent reporting. 
XXXX. Hard Inquiries Unlawful Access Without Authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These three inquiries were made without my authorization or permissible purpose und

er FCRA 1681b ( c ). I did not apply for any credit with these institutions during the timeframe they accessed my report. Under FCRA 1681b ( f ), no entity has the right to access my credit file without a legitimate business purpose or my explicit consent. These unauthorized inquiries have negatively impacted my credit score and represent a clear violation of federal law. Summary of Violations : FCRA Section Description of Violation 1681e ( b ) Failure to maintain accurate information ( wrong address ) 1681i ( a ) Failure to reasonably reinvestigate disputed account ( NCB ) 1681b ( f ) Unlawful access to consumer report ( unauthorized hard inquiries ) 1681b ( c ) No permissible purpose for inquiry XXXX XXXX XXXX XXXX XXXX ) My Statement : This consistent pattern of negligent, outdated, and unverifiable reporting by TransUnion is directly impacting my financial well-being, including loan denials and increased interest rates.

TransUnions failure to maintain accurate records, disregard for proper consumer verification, and allowing unauthorized entities to pull my credit file reflect not only a gross mishandling of their duties under federal law, but also a reckless disregard for my rights as a consumer.

I am demanding that the CFPB conduct a full investigation into these violations and require TransUnion to : 1. Immediately delete the inaccurate address. 
2. Remove or verify the XXXX account with proper documentation. 
3. Remove all unauthorized hard inquiries made without consent.

4. Provide proof of reinvestigation for each dispute per FCRA requirements. 
Requested Resolution : Permanent removal of all inaccurate and unverifiable data.

Written confirmation that these records have been corrected.

Assurance that my credit file will not be repopulated with the same invalid information. 
Compensation for any damages ( if applicable ), including harm to credit score and emotional distress.

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