Consumer complaint received 2025-06-29 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: OK

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute multiple inaccurate, misleading, and harmful entries on my TransUnion credit report. These inaccuracies include incorrect addresses, unauthorized hard inquiries, and reported late payments, all of which violate the Fair Credit Reporting Act ( FCRA ) and related federal laws designed to protect consumers. Despite my repeated efforts to resolve these issues, TransUnion continues to report these inaccurate data, causing significant damage to my creditworthiness and financial reputation. 
Below is a detailed list of the accounts in question, the issues identified, applicable legal protections, and explanations of why TransUnion must correct or remove these inaccuracies immediately. 
XXXX. Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, KY XXXX Issue : This address is incorrectly associated with my credit report. I do not reside at or have any relation to this address. Reporting this wrong address violates my right to accurate information under the Fair Credit Reporting Act ( FCRA ), Section 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information reported. 
Law : FCRA 1681e ( b ) - Duty to ensure maximum possible accuracy.

Story : Reporting this incorrect address has led to confusion in verifying my identity and may have caused misattribution of debt and inquiries. This error compromises my personal and financial security and affects my ability to obtain credit. TransUnion must immediately remove this inaccurate address to comply with FCRA and prevent further harm. 
XXXX. Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, KY XXXX Issue : Similar to the above, this address is also inaccurately linked to my credit file without any authorization or factual basis. This constitutes a violation of the FCRA accuracy requirements and harms my credit profile. 
Law : FCRA 1681e ( b ). 
Story : The presence of this incorrect address creates confusion among potential creditors, making it appear that I am connected to multiple residences fraudulently. This has negatively impacted my credit inquiries and loan approvals. TransUnion must rectify this error immediately. 
XXXX. XXXX XXXX XXXX  XXXX ( Account Number : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$21000.00} Issue : Late Payment reported inaccurately on my credit report. I have evidence proving timely payment on the reported dates. TransUnion failed to verify the accuracy of this adverse information before publishing it. Reporting inaccurate late payments violates FCRA provisions regarding data accuracy and consumer protections against inaccurate reporting. 
Law : FCRA 1681i - Procedure in case of disputed accuracy. FCRA 1681e ( b ).

Story : This false late payment has severely damaged my credit score, resulting in higher interest rates and loan denials. TransUnion is required to conduct a reasonable reinvestigation upon my dispute and remove or correct any inaccurate information. Failure to do so is a violation of federal law. 
XXXX. XXXX XXXX  - Inquiry ( Date : XX/XX/XXXX ) Issue : This hard inquiry appears on my credit report without my authorization or application for credit from XXXX XXXX XXXX XXXX on this date. Unauthorized hard inquiries violate the FCRA requirements for permissible purposes. 
Law : FCRA 1681b ( f ) - Permissible purpose for obtaining a consumer report. 
Story : This unauthorized inquiry has negatively impacted my credit score and is damaging my financial reputation. TransUnion must remove any hard inquiry that was not authorized or did not have a permissible purpose as required by law. 
XXXX. XXXX - Inquiry ( Date : XX/XX/XXXX ) Issue : Similar to above, this inquiry was performed without my consent or a permissible purpose. This is a violation of my rights under the FCRA. 
Law : FCRA 1681b ( f ).

Story : These unauthorized inquiries are lowering my credit score unjustly and causing lenders to view me as a higher risk. TransUnion is legally obligated to remove such inquiries. 
XXXX. CLASSIC LAWT - Inquiry ( Date : XX/XX/XXXX ) Issue : This inquiry was made without my authorization or any credit application, violating the FCRA. 
Law : FCRA 1681b ( f ).

Story : I never applied for credit or consented to this inquiry. It harms my credit profile and misrepresents my credit activity. Immediate removal is necessary. 
XXXX. XXXX XXXX XXXX - Inquiry ( Date : XX/XX/XXXX ) Issue : Unauthorized hard inquiry appearing on my credit report. 
Law : FCRA 1681b ( f ).

Story : This inquiry is lowering my credit score without justification or permissible purpose. TransUnion must investigate and delete this inquiry. 
XXXX. XXXX XXXX - XXXX ( Date : XX/XX/XXXX ) Issue : Inquiry made without my consent or permissible purpose.

Law : FCRA 1681b ( f ). 
Story : Unlawful inquiries are detrimental to my credit score and creditworthiness. They must be removed promptly. 
XXXX. XXXX XXXX - XXXX ( Date : XX/XX/XXXX ) Issue : Unauthorized hard inquiry recorded on my report. 
Law : FCRA 1681b ( f ).

Story : This inquiry was never authorized by me and is unlawfully damaging my credit profile. Immediate deletion is required. 
Summary : Under the Fair Credit Reporting Act, TransUnion has a legal obligation to ensure that all information it reports is accurate, complete, and verifiable. Failure to remove incorrect addresses, unauthorized inquiries, and inaccurately reported late payments constitutes violations of FCRA 1681e ( b ), 1681i, and 1681b ( f ). These inaccuracies have caused me real and significant harm including credit denials, increased borrowing costs, and damage to my personal reputation. I demand that TransUnion conduct a thorough reinvestigation, remove or correct all inaccurate information, and provide me with a corrected credit report promptly. Failure to comply will leave me no choice but to seek legal remedies to protect my rights. 
Thank you for your immediate attention to this serious matter.

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