Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to correct inaccuracies, Equifax has continued to report incorrect information on my credit report, including wrong addresses, unauthorized inquiries, and inaccurate negative account data, causing serious damage to my creditworthiness and financial well-being.

Wrong Addresses ( FCRA 1681e ( b ), 1681i ) The following addresses are completely inaccurate and do not belong to me. They were reported by Equifax without my knowledge or consent, in direct violation of FCRA 1681e ( b ), which mandates that credit bureaus must maintain reasonable procedures to ensure maximum possible accuracy. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses have no connection to me and are severely damaging my credit profile. I have previously disputed them, yet Equifax continues to verify them without proof. 
Inaccurate Accounts ( FCRA 1681s-2 ( b ), 1681i ( a ) ) Equifax is reporting the following accounts with late payments, which are either inaccurate, unverified, or have been previously disputed. These entries reflect Equifaxs failure to conduct a proper reinvestigation and maintain accurate consumer records. 
XXXX. XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$550000.00} o Date Opened : XX/XX/XXXX o Issue : Inaccurate Late Payment o Violation : FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( b ) o Details : No documentation has been provided to validate this alleged late payment. Dispute has been filed, yet Equifax verified it without any proof. 
XXXX. XXXX XXXX XXXX XXXX Account # XXXX o High Balance : {$24000.00} o Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FCRA 1681e ( b ), 1681i ( a ) o Details : This payment history is inaccurate and not reflective of my actual record. Equifax has refused to properly investigate or correct this error.

Unauthorized or Questionable Inquiries ( FCRA 1681b ( c ) ) The following inquiries appear on my credit report and were not authorized by me. Under FCRA 1681b ( c ), inquiries must be made with a permissible purpose and with consumer consent, neither of which occurred here : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my authorization and have negatively impacted my credit score. I have not applied for services or credit with these companies.

Legal Violations by Equifax : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy of credit report information.

FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation upon dispute.

FCRA 1681s-2 ( b ) : Continuing to report inaccurate information without proper investigation.

FCRA 1681b ( c ) : Allowing unauthorized inquiries without a permissible purpose.

FCRA 1681c : Reporting of obsolete or unverifiable information. 
Damages and Harm : As a result of Equifaxs failure to maintain and report accurate information, I have experienced : Repeated credit denials Higher interest rates Reputational harm Emotional stress and anxiety Loss of housing and financial opportunities Equifaxs careless reporting practices have resulted in tangible and unjust harm.

Relief Sought : I am requesting the following actions be taken immediately : 1. Permanent deletion of all incorrect addresses listed above.

2. Immediate investigation and removal of the inaccurate accounts and unauthorized inquiries.

3. Full documentation of any verification used to continue reporting these items.

4. Regulatory penalties and oversight of Equifax for repeated and systemic FCRA violations.

5. Written confirmation of compliance and resolution of each issue listed.

To Whom It May Concern, I am filing this complaint against Experian Information Services, LLC due to serious and repeated violations of the Fair Credit Reporting Act ( FCRA ) and consumer protection laws that have caused me financial and emotional harm.

Despite multiple efforts to dispute and correct this information, Experian has continued to report inaccurate addresses, unauthorized inquiries, and an erroneous charge-off account, all of which are not only damaging my credit profile but also constitute violations of my rights under federal law.

1. Inaccurate and Fraudulent Hard Inquiries Violation of FCRA 604 & 616 The following hard inquiries appear on my credit report without my knowledge or permission. These inquiries were made without a permissible purpose as defined under 15 U.S. Code 1681b ( FCRA 604 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation : These inquiries were not initiated or authorized by me. Reporting them without my consent is a breach of FCRA 604 ( a ) ( 3 ) and entitles me to damages under FCRA 616 ( civil liability for willful noncompliance ).

2. Wrong and Fraudulent Addresses Violation of FCRA 1681e ( b ) & 1681i The following addresses are not associated with me and have never been my residence. Their presence on my report is damaging and inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : Experian is failing its duty to ensure maximum possible accuracy of the information it reports as required under FCRA 1681e ( b ). Further, under FCRA 1681i ( a ), Experian must investigate and correct disputed information within 30 days. The continued presence of these false addresses shows willful negligence and noncompliance.

3. Erroneous Charge-Off Account Reporting Violation of FCRA 1681i & 1681s-2 ( b ) The following account is being inaccurately reported on my Experian credit file : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} o Date Opened : XX/XX/XXXX o Status : Charge-Off Issues : I have no knowledge of this account. 
I have never received a billing statement or communication from this creditor. 
No written agreement or signed contract exists proving my consent or obligation for this debt.

Violation : Under FCRA 1681s-2 ( b ), the furnisher ( XXXX ) must conduct a reasonable investigation after being notified of a dispute. Experians continued reporting without adequate reinvestigation violates both 1681i ( failure to reinvestigate ) and 1681s-2 ( b ) ( failure by the furnisher to correct inaccurate information ).

Summary of Legal Violations by Experian : FCRA 604 Unauthorized inquiries FCRA 616 Willful noncompliance, subject to damages FCRA 1681e ( b ) Failure to ensure accuracy FCRA 1681i ( a ) Failure to reinvestigate disputed information FCRA 1681s-2 ( b ) Failure to correct and update inaccurate account info Desired Resolution : Immediate removal of the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Permanent deletion of the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Immediate removal of the inaccurate charge-off account from NEW WAVE CARD/WEBBANK A formal investigation report and confirmation in writing Compensation for damages caused by false reporting ( optional if you want to seek monetary relief ) Dear CFPB Officer, I am submitting this complaint against TransUnion, one of the major credit reporting agencies, for its failure to maintain accurate, complete, and verifiable information on my consumer credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Despite multiple attempts to resolve these issues, TransUnion has continued to report incorrect and damaging information that does not belong to me, leading to significant harm and inconvenience.

Wrong Addresses Reported ( Violation of FCRA 1681e ( b ) ) TransUnion has included several incorrect addresses on my credit file, which I have never been associated with. Reporting inaccurate identifying information is a direct violation of FCRA 1681e ( b ), which requires credit bureaus to follow reasonable procedures to ensure maximum possible accuracy. 
XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Wrong Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address These addresses are neither current nor past residences. I formally requested TransUnion to remove them, but they continue to appear on my credit file. 
Disputed Accounts & FCRA Violations Below are specific accounts that are being inaccurately reported on my TransUnion report : XXXX. XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$550000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Reporting Violation : FCRA 1681i ( a ) & 1681e ( b ) This account shows late payments inaccurately. I have disputed the information with supporting documents, but TransUnion has failed to investigate and correct the record. 
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX High Balance : {$24000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Reporting Violation : FCRA 1681s-2 ( b ) Furnishers are required to report accurate payment history. I requested verification and correction, but TransUnion continues to reflect inaccurate delinquencies, which harms my creditworthiness. 
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} Date Opened : XX/XX/XXXX Issue : Charge-Off Inaccurate Balance/Status Violation : FCRA 1681e ( b ) The balance and status shown are incorrect. TransUnion failed to conduct a reasonable reinvestigation into this charged-off account after my dispute.

Unpermitted Inquiry 4. XXXX Inquiry Date : XX/XX/XXXX Issue : Hard Inquiry Without Authorization Violation : FCRA 1681b Permissible purpose is required for a hard inquiry. I did not authorize or initiate any business with XXXX on or around that date. This is a violation of my rights under FCRA and must be removed.

Legal Summary of Violations FCRA 1681e ( b ) Failure to ensure maximum possible accuracy of the report.

FCRA 1681i ( a ) Failure to properly reinvestigate disputed information.

FCRA 1681b Hard inquiry made without permissible purpose or authorization.

FCRA 1681s-2 ( b ) Failure of furnishers to provide accurate and updated information.

Requested Actions 1. Permanently delete the inaccurate addresses listed above.

2. Investigate and correct or delete the incorrect account information.

3. Remove the unauthorized hard inquiry by XXXX. 
4. Provide me with a full updated copy of my corrected credit report.

Supporting Documentation ( Attached if submitting online or by mail ) : Government-issued ID Proof of current address Screenshot/Copy of the credit report entries Previous dispute letters ( if applicable ) I respectfully request that CFPB investigate these matters and take action to ensure TransUnion complies with all federal regulations under the FCRA. These errors are causing unjustified damage to my credit profile, limiting my financial opportunities, and causing emotional and financial distress. 
Thank you for your time and assistance.

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