Consumer complaint received 2025-10-23 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: WA

Complaint narrative:
I am filing this complaint against TransUnion for reporting multiple inaccurate, unverifiable, and unauthorized accounts and inquiries on my credit report. These incorrect items have caused serious harm to my credit profile and are clear violations of the Fair Credit Reporting Act ( FCRA ). Despite my consistent efforts to maintain accurate credit information, TransUnion has failed to ensure the completeness and accuracy of the data they are furnishing. 

The first issue concerns several accounts reported under XXXX that are showing false late payment histories. The accounts are listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was opened on XX/XX/XXXX with a high credit of {$20000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$25000.00} ; and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$64000.00}. All three of these accounts are being falsely reported as having late payments, which is entirely inaccurate. I have never made any late payments on these loans, and the data currently appearing on my credit report does not match my actual payment history. These false reports have significantly damaged my creditworthiness and reputation, violating my rights under FCRA 602A and 611 ( a ). 

In addition to the XXXX accounts, there are accounts listed on my credit file that I have no knowledge of and that do not belong to me. These include an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$2300.00} and reported as a charge-off, as well as an account from XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a reported balance of {$2800.00}, which is being reported as a collection account. I have never opened or authorized any accounts with these companies, nor have I ever done any business with them. These appear to be either fraudulent accounts or reporting errors. TransUnions failure to verify the authenticity of these tradelines before including them on my report is a direct violation of FCRA 607 ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report.

Furthermore, there are unauthorized hard inquiries appearing on my credit report that were conducted without my consent. These include inquiries from XXXX on XX/XX/XXXX and XXXXXXXX XXXX on XX/XX/XXXX. I never applied for any credit or gave authorization for these entities to access my credit file. Under FCRA 604 ( a ), a credit report may only be accessed for a permissible purpose with the consumers consent, and these inquiries clearly violate that provision.

TransUnion has failed to ensure accurate reporting, failed to verify disputed information, and allowed unauthorized parties to access my credit file without consent. These actions and omissions constitute willful and negligent noncompliance with the Fair Credit Reporting Act under 616 and 617. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) conduct a full investigation into TransUnions handling of these accounts and inquiries, and that corrective action be taken to ensure these inaccurate and unauthorized items are permanently deleted from my credit report.

I also request that TransUnion be held accountable for failing to comply with federal law, as their reporting has caused direct harm to my credit reputation, emotional distress, and potential financial loss. I am providing this complaint to ensure my rights as a consumer are protected and that this matter receives immediate attention.

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