Consumer complaint received 2025-10-30 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: LA

Complaint narrative:
I am submitting this formal complaint to report multiple inaccurate and unverifiable items appearing on my TransUnion credit report. Despite my repeated disputes and requests for reinvestigation, TransUnion continues to report false, outdated, and misleading information that is harming my credit reputation, in clear violation of the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 607 ( b ), and 611 ( a ). 

My credit file reflects several accounts that are either incorrectly reported or completely unfamiliar to me. The following information has been inaccurately reported by TransUnion : The addresses XXXX XXXX, XXXX, LA XXXX and XXXX XXXX, XXXX, LA XXXX are being shown on my credit file even though neither of these addresses belong to me. These errors create confusion regarding my personal identity and violate the FCRAs accuracy and verification requirements. 

Additionally, my credit report contains numerous accounts with serious reporting errors. The account XXXX XXXX XXXX is falsely showing a late payment despite the fact that I have always maintained a timely payment record. The account XXXX, XXXX XXXX is also inaccurately reporting late payments that never occurred. 

TransUnion is reporting a charge-off for XXXX XXXX XXXX, which I have no knowledge of or connection to. Similarly, the account XXXXXXXX XXXX XXXX XXXX XXXX is listed as a charge-off, even though I have no record or history of such an account. 

The account XXXX XXXX XXXX on XX/XX/XXXX, is incorrectly showing a late payment, while another XXXX XXXX XXXX  opened on XX/XX/XXXX, is also inaccurately reported. The account XXXX XXXXXXXX is shown as a charge-off, but I have no knowledge of this account whatsoever. 

The account XXXX XXXX XXXX is inaccurately reported with late payments that are entirely false, and XXXX  XXXX XXXX has also been misreported with payment delinquencies that do not exist. The account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  is listed as a charge-off, though I have never opened or held any such account. Likewise, XXXXXXXX XXXX XXXX XXXX is being reported as a charge-off that I do not recognize or authorize. 

A collection account has been added under XXXX XXXX XXXX XXXX which I have absolutely no knowledge of and believe to be erroneous or the result of a mixed or fraudulent file. Furthermore, the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is showing a late payment that is inaccurate and damaging to my credit. 

All of these errors collectively violate FCRA 607 ( b ), which requires credit reporting agencies to assure maximum possible accuracy of information, and FCRA 611 ( a ), which requires them to conduct a reasonable reinvestigation of disputed information. TransUnions failure to properly investigate or delete unverifiable data after being notified constitutes noncompliance under FCRA 616 and 617, which holds them liable for willful or negligent violations.

I am requesting the CFPBs assistance in compelling TransUnion to perform a full reinvestigation of my credit file, delete all unverifiable or inaccurate accounts, and provide written confirmation of all corrections made. These repeated inaccuracies have caused me significant financial harm, emotional distress, and unnecessary obstacles in obtaining credit. 

I am seeking a full resolution, the permanent removal of all unverifiable accounts, and assurance that TransUnion will comply with all provisions of the Fair Credit Reporting Act going forward.

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