Consumer complaint received 2025-07-24 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: AZ

Complaint narrative:
I am submitting this formal complaint against TransUnion for their continued failure to maintain accurate and verifiable information on my credit report, despite my multiple efforts to correct these serious errors. These inaccuracies have caused me extreme emotional distress, denial of credit, increased interest rates, and reputational harm. Below is a detailed summary of the items I am disputing and the harm they are causing me : Inaccurate Personal Information : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX This is not my current or previous address. I have no connection to this location. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX I have never resided here. This inaccurate address raises identity theft concerns. 

Despite disputing these addresses, TransUnion continues to report them, violating the FCRA 1681e ( b ), which requires reporting agencies to maintain the maximum possible accuracy. 

Inaccurate or Unverified Accounts : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Issue : Late Payment I never received proper notice or billing on this account, and attempts to validate the information have gone unanswered. 

XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} Issue : Charge Off This account was charged off during a medical hardship period. XXXX XXXX refused to work with me, and TransUnion continues to report it even though it does not reflect the full context or hardship documentation. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} Issue : Late Payment These late payments were reported while I was XXXX and covered under the Servicemembers Civil Relief Act. TransUnion refuses to remove them despite documentation. 

XXXX. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00} Issue : Charge Off I requested validation of this account, including a breakdown of the charges. I never received any response or proof, yet TransUnion continues to report it. 

XXXX. XXXXXXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Issue : Charge Off This account was wrongly charged off. The terms of the loan changed without notice. TransUnion has failed to verify this account or remove it. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Charge Off A {$0.00} balance should not be marked as a charge off. This is misleading and harmful. 

XXXX. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Charge Off This was settled, but TransUnion is XXXX showing it as a charge-off. They refuse to correct the status. 

XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Charge Off This was resolved through a third party. TransUnion continues to report it as charged off, which is false. 

Bankruptcy Reporting : XXXX XXXX XXXX  Reference # : XXXX This bankruptcy is being misreported and has remained on my credit file longer than permitted or with incorrect information. TransUnion has refused to provide verification from the court or update it properly. 

Unauthorized Hard Inquiry : XXXX  Dated XX/XX/XXXX I never authorized this hard inquiry, and I have never applied for credit with this company. This violates FCRA 604 ( a ) ( 3 ), which requires consumer consent. TransUnion has ignored my request to remove this unauthorized pull. 

Summary : I have attempted to resolve these issues directly with TransUnion through formal written disputes. They have failed to conduct proper reinvestigations, continue to report inaccurate, incomplete, or unverifiable information, and are now in violation of the Fair Credit Reporting Act, particularly : 1681e ( b ) Failure to ensure maximum accuracy 1681i ( a ) Failure to conduct proper reinvestigation 1681s-2 ( b ) Failure of furnishers to correct or delete inaccurate information These reporting failures have led to denial of credit, increased insurance rates, emotional distress, and lost opportunities. I request that the CFPB investigate this matter, compel TransUnion to remove these inaccurate items, and enforce accountability under federal law. 

I am including a copy of my most recent credit report, prior dispute letters, and any responses received from TransUnion. 

Thank you for your help in resolving this matter and protecting 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