Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
I am filing this complaint against TransUnion for reporting multiple inaccurate and unverified items on my credit report and for failing to ensure the accuracy and integrity of my consumer file, as required under the Fair Credit Reporting Act ( FCRA ).

After reviewing my TransUnion credit report, I discovered several errors, including the reporting of two completely wrong addresses XXXX XXXX, XXXX, CA XXXX and XXXX XXXX XXXX  CA XXXX. I have never lived at or been associated with either of these addresses. Their presence on my report suggests a serious failure in XXXX verification process and exposes me to potential identity-related issues. 

Additionally, TransUnion is reporting multiple inaccurate and unverified accounts that I do not recognize or that are incorrectly reported. The first is a XXXX XXXX account ( Account # XXXX XXXX XXXX ) showing a high balance of {$7200.00}, opened on XX/XX/XXXX, and listed as a charge-off. I have no knowledge of this account and have never entered into any agreement with XXXX. This tradeline appears to be unverified and should not be included in my credit report. 

TransUnion is also reporting severaXXXX XXXX  accounts ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX each reflecting false late payment histories. I have never made late payments on these student loan accounts, and the current reporting is inaccurate. These false delinquencies are damaging my credit profile and misrepresenting my payment history. 

Lastly, TransUnion is reporting a XXXX XXXX account ( Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$5400.00}, as a charge-off. I have no knowledge of this account, and TransUnion has failed to provide any verifiable documentation confirming its legitimacy. 

I have already submitted a formal dispute letter directly to TransUnion, clearly identifying these inaccuracies and requesting an investigation under FCRA 1681i. However, despite sufficient time and supporting documentation, TransUnion has failed to remove or correct these unverifiable and inaccurate items. This ongoing negligence has caused significant harm to my creditworthiness, denied me fair access to financial opportunities, and continues to misrepresent my credit history.

I am requesting that the Consumer Financial Protection Bureau conduct an investigation into TransUnions handling of my disputes, compel them to provide documented verification for each disputed item, and ensure that all inaccurate, unverifiable, or unauthorized accounts and addresses are immediately deleted from my credit report. 

I am also requesting that TransUnion provide written confirmation of all corrections made and updated copies of my credit report reflecting these changes. Their failure to maintain accurate and verified data is a direct violation of the Fair Credit Reporting Act and has caused me substantial personal and financial harm.

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