Consumer complaint received 2025-08-18 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: TN

Complaint narrative:
I am filing this complaint because my TransUnion credit report contains multiple errors that are causing serious damage to my financial life. The report shows an address, XXXX XXXX XXXX XXXX XXXX XXXX, TN, that I have never lived at. This address has no connection to me, and yet it appears in my file. Having an inaccurate address tied to my credit raises the risk of identity theft and makes it seem as though I have lived in places and been connected to responsibilities that were never mine. It is deeply unfair that my credit history is being linked to false information that can mislead lenders and harm my credibility. 

In addition to the address issue, my report lists a charged-off account with XXXX XXXXXXXX XXXX  XXXX opened on XX/XX/XXXX, with a balance of {$420.00}. This entry is inaccurate and unverifiable. I have not been provided with any original contract, payment history, or documentation proving this debt is valid. The way it is being reported makes it appear as if I am still responsible for this account, when in fact no proof has been provided. The law requires that such information be verified with actual documentation, but instead, I am being punished with a negative account that lowers my score and damages my reputation. 

There is also an account being reported as TN XXXX XXXX with a balance of {$12000.00}, opened on XX/XX/XXXX, that is completely misrepresented. The way this account is showing is false and harmful. TransUnion has not provided any official court order or state record validating this balance or proving that I am delinquent. The way it is reported portrays me as someone who has failed to meet essential family obligations, which is completely untrue and extremely damaging to both my reputation and financial future. 

My report also shows a collection account from XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$380.00}. I have never received any validation notice or proper proof from XXXX regarding this debt. Without a signed agreement or account history from the original creditor, this entry is unverifiable. Yet, TransUnion continues to report it as if it were valid, which is an unlawful and unfair practice. 

Finally, my credit file shows several unauthorized hard inquiries that I did not approve. These include XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX. I never applied for credit with these companies, and I never gave consent for my credit file to be accessed. Each of these inquiries creates the false impression that I am desperately applying for credit, which is not true. Every unauthorized inquiry lowers my score and damages my credibility with future lenders, and TransUnion has failed to ensure that these inquiries were legitimate before including them in my report. 

All of these errors combined are creating major barriers in my life. I am being unfairly portrayed as financially irresponsible when in reality, these accounts and inquiries are inaccurate, unverifiable, and in some cases completely false. These mistakes are hurting my ability to qualify for fair housing, affordable auto loans, and even basic financial opportunities that depend on creditworthiness. I have the legal right to an accurate report, but instead, I am facing harm because TransUnion has not maintained the maximum possible accuracy as required under federal law. I am asking the CFPB to step in and ensure that my rights are protected, that TransUnion is held accountable, and that these false and harmful entries are removed from my report.

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