Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate and unverified accounts being reported by TransUnion on my credit report. Despite my previous disputes, these accounts continue to appear, causing significant harm to my credit profile and violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i & 1681s-2.

TransUnion has failed to ensure the accuracy and verifiability of these accounts, as required by federal law. Many of these accounts are completely unfamiliar to me, while others are being reported with false late payments and charge-offs that I never authorized or incurred. Reporting inaccurate and unverified information not only violates FCRA 1681e ( b ) but also constitutes negligent and willful noncompliance with federal reporting standards. 

The following accounts are being wrongfully reported on my TransUnion credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Charge Off XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$270.00} Charge Off XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off XXXX XXXXXXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$7500.00} Charge Off XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Unauthorized Inquiry I have no knowledge of several of these accounts and have never authorized or signed any agreement related to them. Others are being falsely reported with late payments, despite my history of on-time payments. TransUnions failure to verify these entries before continuing to report them is a direct violation of my consumer rights under federal law.

These inaccurate and unverified items have caused me serious damage, including credit denials, financial hardship, and emotional distress. I am requesting that the CFPB conduct a full investigation into TransUnions practices and ensure that these accounts are immediately deleted from my credit file unless verified with proper documentation and legal proof. 

I am also requesting confirmation that TransUnion is held accountable for their failure to maintain accurate records and their disregard for FCRA compliance. 

Thank you for your attention to this matter. I expect a fair, timely, and lawful resolution through your office.

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