Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because TransUnion has continued to report inaccurate and unauthorized information on my credit report, despite multiple disputes submitted by me over the past several months. I am now in the fourth round of disputes, and I believe that TransUnion is not complying with its legal obligations under the Fair Credit Reporting Act ( FCRA ).

First, my credit report contains two incorrect addresses that I have never lived at, and I have repeatedly requested their removal. These addresses are : XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX I have never had any association with these addresses and have provided sufficient documentation to prove my current and past residences. TransUnion has refused to remove them, which is a violation of FCRA 607 ( b ), which requires credit bureaus to maintain only accurate and verifiable personal information. The continued reporting of false address data has caused confusion and delays in my credit applications.

In addition, there are three unauthorized hard inquiries listed on my TransUnion credit report : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> I did not authorize any of these credit inquiries, nor did I apply for any services or credit accounts with these companies around those dates. These inquiries were placed on my report without my knowledge or consent. Under FCRA 604 ( a ) ( 3 ), a credit bureau must ensure that inquiries are made only for permissible purposes and with consumer authorization. TransUnion has failed to provide any documentation proving that I gave permission for these inquiries, and yet they still remain on my file.

What is especially concerning is that I have submitted disputes regarding these items multiple times, and TransUnion has either responded with generic results or marked the disputes as verified without providing any proof. This is not in compliance with FCRA 611, which mandates that a credit bureau must
conduct a reasonable reinvestigation of disputed items and provide the consumer with the results and the method of verification.

The inaction and negligence by TransUnion have negatively affected my credit score and my ability to secure new credit. I believe this ongoing situation is the
result of a failure to follow the law and properly investigate the disputes I have submitted. At this point, I feel that my rights as a consumer are being ignored.

I am requesting that the Consumer Financial Protection Bureau intervene and hold TransUnion accountable for failing to comply with the Fair Credit Reporting Act. I am seeking the permanent removal of all inaccurate personal information and unauthorized inquiries from my TransUnion credit report and ask that TransUnion be required to provide documentation for any items they continue to verify.

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 explanation