Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I am filing this complaint against TransUnion for grossly inaccurate, outdated, and incomplete reporting on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX, XXXX ( b ), and XXXX. I have contacted TransUnion multiple times to investigate and correct the inaccurate items listed below, yet the false information remains on my credit file, which is causing ongoing damage to my credit reputation and financial opportunities. Below are the specific accounts and issues I dispute : XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$2000.00} Late Payment * * This account is reporting multiple late payments inaccurately. I was enrolled in a deferment/forbearance program at the time of alleged delinquencies due to XXXX-related hardship, and per XXXX XXXX guidelines, no late payments were to be reported during this time. Reporting such derogatory information is a violation of FCRA XXXX ( b ) which mandates maximum accuracy and FCRA XXXX ( a ) ( XXXX ) ( A ) which restricts the reporting of inaccurate information by furnishers. 
XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$3600.00} Late Payment * * This is a duplicate entry of the above account with a different balance, which is false and misleading. Reporting XXXX different balances for the same account misrepresents my true credit obligation and violates FCRA XXXX ( a ) for failure to correct or delete duplicate/inaccurate accounts after dispute. 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$470.00} Late Payment * * This account is inaccurately reflecting a XXXX late payment. I made timely payments on this account, and I have documentation to support this. Reporting this false derogatory data violates FCRA XXXX ( b ), as TransUnion did not ensure the information was complete and accurate. 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$630.00} Late Payment * * This account also falsely reports a delinquency that did not occur. I contacted the creditor who confirmed that this payment was made on time, and TransUnion has failed to update it after dispute, violating FCRA XXXX ( a ) and XXXX ( b ). 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$540.00} Late Payment * * This is a recently opened account with an alleged late payment showing within XXXX month of account opening. This is factually impossible and clearly an error. TransUnion failed to properly verify the accuracy of the data, violating FCRA XXXX ( b ) and XXXX ( a ). 
XXXX XXXX Hard Inquiries ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) These inquiries were made without my knowledge, authorization, or permissible purpose as defined by FCRA XXXX ( a ). These unauthorized inquiries are negatively impacting my credit score and TransUnion failed to conduct a reasonable investigation upon dispute as required under XXXX ( a ). 
XXXX Hard Inquiry ( XX/XX/XXXX ) I never applied for credit with XXXX. This inquiry is unauthorized and in violation of FCRA XXXX, which requires consumer consent or a legally permissible purpose to access a credit file. TransUnion has failed to remove this inquiry even after being notified, which constitutes noncompliance with XXXX ( a ). 
In addition to the above account inaccuracies and unauthorized inquiries, there are multiple incorrect addresses being reported in my TransUnion credit report. These addresses are not mine and indicate potential mixed file or identity confusion, which violates FCRA XXXX ( b ) and creates serious privacy and fraud concerns. Despite repeated attempts to remove these addresses, TransUnion has failed to take appropriate action. 
The continued presence of these errors despite multiple disputes shows willful noncompliance and negligence on the part of TransUnion. These violations are damaging my credit profile, affecting my ability to access fair credit, and creating undue stress and financial harm. 
I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to initiate a thorough investigation into TransUnions noncompliance with the FCRA, compel them to correct/delete the disputed accounts and inquiries immediately, remove all inaccurate addresses, and hold them accountable for failing to uphold federally mandated consumer rights.

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