Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against TransUnion for repeated and ongoing violations of the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to correct and dispute the inaccurate and unauthorized data appearing on my credit report, TransUnion has continued to report erroneous addresses, outdated accounts, inaccurate payment history, and unverified inquiries, which has caused me significant distress, financial harm, and the denial of credit opportunities. 
Below are the detailed issues I am disputing : Wrong Addresses Reported ( Violation of 15 U.S. Code 1681e ( b ) ) XXXX. XXXX XXXX XXXX, XXXX, SC XXXX Incorrect Address o Issue : I have never lived at this address. It is being reported on my file without any verification or my authorization. 
o Law Violated : FCRA 15 U.S. Code 1681e ( b ) TransUnion must maintain reasonable procedures to ensure maximum possible accuracy. 
XXXX. XXXX XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Address o Issue : This address also has no connection to me. I have never resided or received mail here. 
o Law Violated : FCRA 15 U.S. Code 1681e ( b ) Incorrect Account Information ( Violation of 15 U.S. Code 1681i, 1681s-2 ) 3. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Late Payment Reported o Issue : This account is reporting late payments, but the account has a XXXX balance and was closed years ago. There is no valid reason to continue reporting late payments for an inactive and closed account. 
o Law Violated : 15 U.S. Code 1681i Failure to reinvestigate disputed information.

15 U.S. Code 1681s-2 Furnishers must not report inaccurate information.

o Story : I disputed this late payment with TransUnion, but no proper investigation was done. This account should either be removed or corrected. Continuing to report this is harming my score and creditworthiness unfairly. 
Unverified/Unauthorized Hard Inquiries ( Violation of 15 U.S. Code 1681b ) 4. XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX  o Issue : This inquiry was made without my knowledge or authorization. I never applied for any loan or mortgage with this company. 
o Law Violated : 15 U.S. Code 1681b Inquiries must have permissible purpose.

o Story : I have no relationship or interaction with XXXX XXXX XXXX. The presence of this inquiry is damaging and unlawful under FCRA. 
XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX  o Issue : Similarly, this hard inquiry appears without any permissible purpose or my authorization. 
o Law Violated : 15 U.S. Code 1681b o Story : I have never applied for any mortgage product via XXXX XXXX or otherwise. This is a serious privacy violation and is negatively impacting my credit.

Summary and Legal Basis of Complaint Despite submitting earlier disputes and clearly documenting the inaccuracies, TransUnion has failed to conduct a reasonable reinvestigation as required under FCRA 1681i ( a ) ( 1 ) ( A ). They are also violating 1681e ( b ) by failing to ensure maximum accuracy, and 1681b by allowing unauthorized inquiries.

These inaccurate and unverifiable items have led to credit denials, higher interest rates, and emotional distress. I request that the CFPB investigate TransUnion for : Failing to delete or correct inaccurate addresses. 
Reporting incorrect payment history. 
Allowing unauthorized inquiries. 
Not complying with dispute procedures and timelines under FCRA. 
Requested Resolution : Immediate removal of the wrong addresses listed above.

Deletion or correction of the inaccurate XXXX account payment history. 
Removal of unauthorized inquiries made by XXXX XXXXXXXX XXXX and XXXX  XXXX. 
Written confirmation that these changes have been made. 
Civil penalties or enforcement if TransUnion continues to willfully violate FCRA rights. 
Please let me know if any further documents or identity verification is needed. I am prepared to escalate this matter legally if not addressed promptly and in full compliance with the law.

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