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 complaint because my TransUnion credit report contains multiple serious inaccuracies, unverifiable accounts, and incorrect personal information that have caused harm to my creditworthiness and reputation. Despite my careful review of all financial records, I have found that several items listed are completely unfamiliar to me, while others are being inaccurately reported. These errors are clear violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ), which require all information in a consumers credit file to be accurate, verifiable, and complete.

TransUnion is reporting incorrect address information under my personal identification, including XXXX XXXX, XXXX, TX XXXX, and XXXX XXXX, XXXX, TX XXXX. These addresses are inaccurate and have no connection to my verified residence history. This type of personal information error compromises the integrity of my file and violates the FCRAs duty to maintain accuracy. 

In addition, several accounts are being reported with false late payment notations that are factually incorrect. I have never made any late payments on these accounts, yet TransUnion continues to report them as delinquent. The accounts currently being inaccurately reported as late include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries misrepresent my payment history and violate FCRA Section 1681e ( b ), which mandates maximum possible accuracy of consumer data. 

Furthermore, several charge-off accounts are appearing on my report that I have no knowledge of, no authorization for, and no connection to. These accounts are completely unfamiliar and unverifiable, yet they continue to harm my credit profile. The charge-off accounts in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me and must be deleted under FCRA 1681i ( a ) ( 5 ) for lack of verification.

TransUnion is also reporting two collection accounts under XXXX XXXXXXXX XXXX XXXX XXXX XXXX, with reported balances of {$1200.00} and {$9200.00}, both dated XX/XX/XXXX. I have no knowledge or relationship with XXXX XXXX XXXX, and these collections appear to have been reported in error or without proper verification. Reporting collection data that can not be substantiated by the original creditor violates FCRA 1681s-2 ( b ). 

Additionally, TransUnion has allowed several unauthorized hard inquiries to appear on my credit report, which I did not initiate or authorize. These inquiries include XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and HTFF FCU on XX/XX/XXXX. These inquiries were conducted without permissible purpose under FCRA 1681b and represent a breach of my privacy rights. 

TransUnions repeated reporting of unverifiable information, including false delinquencies, unrecognized charge-offs, unknown collections, and unauthorized inquiries, shows clear negligence and noncompliance with federal law. These errors have resulted in a significant negative impact on my credit score and financial standing. I have already disputed these inaccuracies directly with TransUnion under FCRA 1681i, and I am now requesting the assistance of the Consumer Financial Protection Bureau to ensure full compliance with federal regulations. 

I am requesting that TransUnion conduct a lawful reinvestigation of all disputed items and provide written verification or deletion of any data that can not be substantiated with original documentation. I also request that all unverifiable and inaccurate items be permanently deleted from my credit report, including all false late payment accounts, charge-offs, collections, and unauthorized inquiries. 

In addition, I am requesting that TransUnion send me written confirmation of the investigation results along with an updated copy of my corrected credit report. I expect TransUnion to comply fully with all FCRA requirements and to take corrective action to restore the accuracy and integrity of my consumer credit file.

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