Consumer complaint received 2025-09-26 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: AZ

Complaint narrative:
I am filing this complaint because my credit report maintained by TransUnion is filled with inaccurate, unverifiable, and damaging information. These errors are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires credit reporting agencies to maintain maximum possible accuracy and to delete or correct all unverifiable information when disputed. Despite my rights under federal law, my report is showing multiple false accounts, addresses, and other damaging entries.

My file is reflecting a wrong address at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX, and another false address at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX. These addresses do not belong to me and should not be associated with my credit profile. Keeping false addresses on my file misrepresents my identity and violates my rights under the law. 

There are also several accounts that are being falsely reported as charge offs or collections that I have no knowledge of whatsoever. For example, an account from XXXX XXXX IN XXXX with a reported opening date of XX/XX/XXXXXXXX  and balance of {$490.00} is being reported as a charge off, which is not mine. Similarly, a XXXX XXXX account XXXX dated XX/XX/XXXXXXXX  with a balance of {$2500.00} is listed as a charge off that I do not recognize. An XXXX XXXX account XXXX opened XX/XX/XXXXXXXX  with a balance of {$11000.00} is showing as a charge off even though I have no connection to it. A XXXX account XXXX opened XX/XX/XXXX with a balance of {$0.00} is also reported as a charge off, and a XXXX XXXX account XXXX opened XX/XX/XXXX with a balance of {$0.00} is marked charge off despite me having no knowledge of it. These accounts are unverifiable, inaccurate, and must be removed under FCRA guidelines. 

In addition, an account from XXXX XXXX XXXX XXXX dated XX/XX/XXXX with a balance of {$1300.00} is reported as a collection. I have no knowledge of this account either. It is completely inaccurate and creates severe damage to my credit profile. 

My file also reflects accounts that are misreporting my payment history. XXXX XXXX XXXX account XXXX opened XX/XX/XXXX with a balance of {$3800.00} is reported with late payments even though I have never been late. Likewise, an account labeled XXXX XXXX opened XX/XX/XXXX with a balance of {$970.00} is also showing late payments that are false. These are serious inaccuracies that misrepresent my payment history and harm my credit standing. 

Even more concerning, my report is showing a bankruptcy entry under XXXX XXXX XXXXXXXX Reference # : XXXX. I have never in my life filed for bankruptcy protection. Reporting such a severe and damaging event without basis is an egregious violation of the FCRA and is causing me financial and personal harm. 

Lastly, my report contains an unauthorized inquiry from XXXX dated XX/XX/XXXX. I never authorized this inquiry. The presence of this hard inquiry is unlawful and continues to damage my creditworthiness. 

The FCRA requires TransUnion to conduct a reasonable reinvestigation of disputed items and delete or correct information that can not be verified. By reporting wrong addresses, multiple charge offs and collections that do not belong to me, false late payment histories, an inaccurate bankruptcy, and an unauthorized inquiry, TransUnion is failing to comply with the federal law. These errors are highly damaging to me both financially and personally. I request the Consumer Financial Protection Bureau to investigate TransUnions practices, ensure these false and unverifiable accounts are permanently deleted, and take appropriate enforcement action to prevent such violations from continuing in the future.

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 explanation