Consumer complaint received 2025-11-01 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: TX

Complaint narrative:
I am filing this formal complaint against TransUnion LLC for multiple violations of the Fair Credit Reporting Act ( FCRA ). My recent credit report contains numerous inaccurate, unverifiable, and unauthorized entries that have severely damaged my credit profile, caused financial hardship, and violated my consumer rights under federal law. 

TransUnion has reported several false addresses on my file that do not belong to me. These include XXXX XXXX XXXX, XXXX, TX XXXX and XXXX XXXX XXXX, XXXX, TX XXXX. I have no connection to either of these addresses, and their presence on my report suggests a serious failure in identity verification and data accuracy procedures on XXXXransUnions part. 

In addition, multiple accounts are being falsely reported as having late payments despite my history of maintaining on-time payments. These inaccurate late payment notations are defamatory and damaging to my creditworthiness. The accounts in question are XXXX XXXX XXXX * * * Date Opened XX/XX/XXXX with a reported balance of {$20000.00}, XXXX XXXXXXXX * * * Date Opened XX/XX/XXXX with a reported balance of {$1200.00}, XXXX  XXXX * * * * Date Opened XX/XX/XXXX with a balance of {$2500.00}, XXXX XXXX XXXX XXXX * * Date Opened XX/XX/XXXX with a balance of {$11000.00}, XXXX XXXX XXXX * XXXX XXXX * Date Opened XX/XX/XXXX with a balance of {$6500.00}, XXXX XXXX XXXX * * Date XXXX XX/XX/XXXX with a balance of {$8700.00}, XXXX XXXX XXXX * * * * * XXXX XXXX * Date Opened XX/XX/XXXX with a balance of {$3200.00}, XXXX XXXX * Date Opened XX/XX/XXXX with a balance of {$6800.00}, XXXX  XXXX * Date Opened XX/XX/XXXX with a balance of {$12000.00}, XXXX XXXX XXXX * * * * * * Date XXXX XX/XX/XXXX with a balance of {$13000.00}, XXXX XXXX XXXX * Date Reported XX/XX/XXXX with a balance of {$7600.00} XXXX XXXX XXXX XXXX * Date Opened XX/XX/XXXX with a balance of {$4300.00}, XXXX XXXX XXXX * * * * Date Opened XX/XX/XXXX with a balance of {$6600.00} XXXX XXXX XXXX XXXX * * Date Opened XX/XX/XXXX with a balance of {$12000.00}, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX with a balance of {$7500.00}, XXXX XXXX XXXX * Date XXXX XX/XX/XXXX with a balance of {$2900.00}, XXXX XXXX XXXX * * Date Opened XX/XX/XXXX XXXX XXXX balance of {$21000.00}, and XXXX XXXX XXXX * Date Opened XX/XX/XXXX with XXXX XXXX of {$12000.00}. These accounts are being inaccurately reported as delinquent without any valid documentation or evidence of late payments. This is a clear violation of the FCRAs requirement that information reported must be accurate, complete, and verifiable. 

Furthermore, there are several collection accounts listed on my credit report that I have absolutely no knowledge of and have never authorized. These include XXXX XXXX  XXXX * * Date Opened XX/XX/XXXX with a reported balance of {$94.00}, XXXX XXXX XXXX * * Date Opened XX/XX/XXXX with a balance of {$64.00}, and XXXX XXXX * * Date Opened XX/XX/XXXX with a balance of {$790.00}. I have never entered into any contractual or financial agreement with these entities. Their appearance on my report is false, unverifiable, and must be considered an unlawful furnishing of inaccurate data. 

TransUnion has also allowed an unauthorized inquiry by XXXX dated XX/XX/XXXX to remain on my credit file. I never granted permission for this inquiry, and the inclusion of this unauthorized access represents a breach of privacy under FCRA 604 ( a ). 

Despite these clear inaccuracies, TransUnion has continued to publish and distribute this false information to third parties, thereby causing significant harm to my credit standing and reputation. The continued reporting of unverifiable and inaccurate information, along with the failure to properly verify data furnished by creditors, constitutes willful and negligent noncompliance with the Fair Credit Reporting Act under 15 U.S.C. 1681n and 1681o.

I am requesting that the Consumer Financial Protection Bureau conduct a thorough investigation into TransUnions reporting and reinvestigation practices. TransUnion has failed to fulfill its legal duties under FCRA 611 to perform a reasonable and good-faith reinvestigation of disputed items. The bureau should compel TransUnion to provide full verification of every item or delete all unverifiable data immediately.

As a fair resolution to this issue, I am requesting the permanent deletion of all inaccurate, unverifiable, and unauthorized information from my TransUnion credit file, including the removal of the false addresses, all accounts falsely reported with late payments, all collection accounts that do not belong to me, and the unauthorized inquiry. I am also requesting that TransUnion issue a corrected and updated credit report confirming these deletions and provide written notice of the corrective actions taken.

I am submitting this complaint in good faith and with supporting documentation to substantiate the inaccuracies reported. I am seeking a fair and lawful resolution under the consumer protection rights guaranteed to me by federal 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