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: MI

Complaint narrative:
I am filing this complaint against TransUnion for multiple violations under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and for failing to uphold my consumer rights under federal law. I have attempted to resolve these issues directly with TransUnion, but they have failed to investigate, correct, or delete the erroneous and inaccurate items on my credit report. These inaccurate items are causing significant and unjust harm to my financial wellbeing, access to credit, and peace of mind. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Wrong Address This address is inaccurately reported and is not associated with me. I have never lived at or had any association with this address. Reporting incorrect addresses violates FCRA 1681e ( b ), which mandates consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This misreported address could potentially lead to mixed file reporting and identity confusion. I request immediate deletion of this address from my credit file. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Wrong Address Issue : This address is incorrectly reporting on my TransUnion credit report. I have never resided at this location nor do I have any connection to it. 
Law : FCRA 1681e ( b ) TransUnion is required to maintain accurate consumer information and follow reasonable procedures to ensure maximum possible accuracy. 
Story : Despite not having any association with this address, it continues to appear on my report, which puts me at risk for mixed file errors and identity confusion. I have previously requested its removal, but no action has been taken. This inaction is unacceptable and continues to harm my credit profile. 
XXXX XXXXXXXX * * Late Payment * * Issue : Late payment is inaccurately reported on this account without proper validation or consumer notification. 
Law : FCRA 1681i ( a ) ( 1 ) ( A ), 1681s-2 ( b ) Credit bureaus must investigate disputes, and furnishers must report accurately. 
Story : I have never received any formal notice or verification that supports this late payment. I attempted to resolve this directly with the creditor and TransUnion, but no evidence was provided. This derogatory remark is lowering my credit score and is being maintained without legal grounds. 
XXXX XXXX XXXX XXXX * * Late Payment * * Issue : The account shows late payment even though the balance is {$0.00}, and the account has been closed. 
Law : FCRA 1681c and 1681e ( b ) Misleading, outdated, and inaccurate data should be corrected or removed. 
Story : I settled this account, and it now reflects a zero balance. However, the continued reporting of late payments is misleading and unfair. A closed account with no balance should not continue to harm my credit, especially without proper justification or evidence. 
XXXX XXXX XXXX XXXX * * Late Payment * * Issue : Late payment is being reported for a self-builder account that has already been completed and closed. 
Law : FCRA 1681s-2 ( b ), 1681i Reporting must be accurate and verified. 
Story : This account was part of a credit-building tool and has been closed with no balance. Any late payment reporting on this is misleading and damaging, especially since no supporting documentation has been shared. I dispute the accuracy of this record and request deletion. 
XXXX XXXX  XXXX XXXX * * Charge-Off * * Issue : This account is marked as charged-off despite showing a {$0.00} balance, which is inconsistent and misleading. 
Law : FCRA 1681e ( b ), FDCPA 809 ( a ) Accurate, consistent information must be reported, and debt must be validated. 
Story : I was never notified of a charge-off, and no proper validation has been provided. Its unfair to maintain a charge-off remark while showing a zero balance, which creates confusion and damages my credibility with lenders. This account must be corrected or removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Collection * * Issue : Collection account reported with a future open date and no validation. 
Law : FCRA 1681e ( b ), 1681g, FDCPA 809 ( b ) Accurate date reporting is required, and debt must be verified. 
XXXX : This account opened on XXXX impossible future datewhich signals a serious reporting error. Moreover, Ive never been contacted about this debt, and no validation has been received. Such reporting is reckless, harmful, and in clear violation of federal law. 
XXXX XXXX XXXX / XXXX XXXX XXXX * * Collection * * Issue : Collection account lacks validation and accurate reporting. 
Law : FCRA 1681i, FDCPA 809 ( b ) Consumers have the right to dispute inaccurate information and request validation. 
Story : I dispute this collection. I never received notice or any bill for the stated amount. Reporting collections without contacting the consumer and without verifying the debt is unethical and illegal. This account should be removed. 
XXXX XXXX / XXXX XXXX XXXX XXXX * * Collection * * Issue : Invalid future open date and failure to validate debt. 
Law : FCRA 1681e ( b ), FDCPA 809 ( a ) Information must be accurate and verifiable. 
Story : The reported open date is XXXX is a clear violation and suggests fake or mistyped information. I also never received any communication about this debt. This misleading reporting needs to be corrected by deleting this account entirely. 
XXXX XX/XX/XXXX Inquiry Issue : Unauthorized hard inquiry conducted without my consent. 
Law : FCRA 1681b ( f ) Users must have a permissible purpose and authorization to pull a credit report. 
Story : I never applied for credit with this company, nor did I give authorization for a credit pull. This inquiry negatively affects my score and constitutes a privacy breach. I request its immediate removal. 
XXXX XX/XX/XXXX Inquiry Issue : Hard inquiry made without permissible purpose. 
Law : FCRA 1681b Credit reporting agencies must only allow access for valid reasons. 
Story : I did not authorize this company to access my credit report. This was done without my knowledge and must be considered a breach of my consumer rights. 
XXXX XX/XX/XXXX Inquiry Issue : Unapproved inquiry on my report. 
Law : FCRA 1681b ( a ) ( 3 ), 1681b ( f ) Hard inquiries require consumer consent. 
Story : I never applied for a loan or credit with this entity. This unauthorized pull of my credit information is unacceptable and should be removed immediately. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Duplicate unauthorized inquiry. 
Law : FCRA 1681b Must have a permissible purpose. 
Story : I do not have any existing or pending applications with XXXX XXXX. I dispute this inquiry as fraudulent or erroneous and request it be removed from my file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX : Second hard inquiry from the same company within less than a month without authorization. 
Law : FCRA 1681b Repeated unauthorized inquiries are not compliant. 
Story : I never initiated any transaction with XXXX XXXX, and certainly not twice in a short period. These are false inquiries and reflect TransUnions failure to vet inquiries properly. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Inquiry done without permissible purpose. 
Law : FCRA 1681b ( f ) Inquiries must be for approved, authorized credit applications. 
Story : I never gave permission to XXXX XXXX to access my credit. This hurts my credit profile and must be deleted. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized inquiry. 
Law : FCRA 1681b Requires consumer consent for access. 
Story : I have no connection or transaction with XXXX. This was done without my knowledge and is damaging to my score and privacy. It must be removed. 
XXXX XX/XX/XXXX Inquiry Issue : Unsolicited credit inquiry harming my score. 
Law : FCRA 1681b ( f ) Users of credit reports must have a legitimate need and permission.

Story : This inquiry was not authorized, and I am concerned about potential misuse of my identity or information. TransUnion should have verified consent before permitting this. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Inquiry was not initiated by me. 
Law : FCRA 1681b Must be a valid credit application. 
Story : I never applied for anything related to XXXX XXXX. This reflects negligence in preventing unauthorized access to my credit report. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX : Unauthorized inquiry reported. 
Law : FCRA 1681b ( a ) ( 3 ), 1681b ( f ) Credit access must be based on consumer-initiated request. 
Story : I never authorized XXXX XXXX XXXX XXXX to access my file. This pull was done illegally and has impacted my credit negatively. I demand deletion. 
I have exhausted all reasonable efforts to resolve these issues directly with TransUnion, and they have failed to conduct proper investigations as required by FCRA 1681i ( a ) ( 1 ) ( A ). These continued violations are harming my ability to access fair credit, employment, and housing opportunities. I am requesting the Consumer Financial Protection Bureau to open an investigation into TransUnions repeated noncompliance with federal law and compel them to delete the inaccurate addresses, derogatory accounts, and unauthorized inquiries immediately. I am attaching supporting documentation where applicable and am available to provide further details upon request.

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