Consumer complaint received 2025-06-24 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:
To Whom It May Concern, I am filing this formal complaint against TransUnion for failing to properly investigate and delete multiple inaccurate, unverifiable, and misleading entries on my credit report, despite multiple dispute attempts. This is my 5th round of disputes, and I have yet to receive a single resolution, correction, or deletion. These actions violate the Fair Credit Reporting Act ( FCRA ) and have severely impacted my credit profile and financial well-being. 

Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Repeatedly reported late payments without valid verification or supporting documentation. 

Violation : FCRA 607 ( b ) Failure to ensure maximum possible accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge-off reported without providing validation or evidence of debt. 

Violation : FCRA 611 & 609 ( a ) ( 1 ) Lack of verification and failure to respond to disputes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Charged-off debt continues to be reported without proper reinvestigation. 

Violation : FCRA 623 ( b ) Failure to conduct a reasonable reinvestigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Inaccurate reporting with inconsistencies between different versions of my credit report. 

Violation : FCRA 607 ( b ) Inconsistent and unverifiable reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : No documentation was ever provided despite multiple requests for verification.

Violation : FCRA 609 ( a ) ( 1 ) No proof of account ownership or validity provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : I do not recognize this account. No communication or billing statements were ever sent to me. 

Violation : Potential identity theft and FCRA 602A Inaccurate personal information reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge-off remains on my file after multiple failed attempts to validate.

Violation : FCRA 611 & 609 ( a ) No reinvestigation results or supporting evidence provided. 

Unauthorized Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me and were made without permissible purpose.

Violation : FCRA 604 ( a ) ( 3 ) Accessing credit reports without consent or valid reason.

Summary of Issue : TransUnion has failed to comply with its legal obligations under the FCRA by : Continuing to report accounts that have not been verified. 

Failing to conduct proper reinvestigations.

Refusing to remove clearly unauthorized hard inquiries.

Ignoring repeated dispute submissions over several months.

Resolution Sought : I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to : Investigate TransUnions failu
re to comply with FCRA regulations.

Direct TransUnion to remove all disputed accounts and unauthorized inquiries listed above.

Hold TransUnion accountable for their ongoing negligence and noncompliance. 

If no resolution is achieved through this complaint, I will escalate this matter further by filing with the FTC and State Attorney General.

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