Consumer complaint received 2025-07-29 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: SC

Complaint narrative:
I am filing this complaint against TransUnion because my credit report contains a large number of inaccurate, outdated, and unverifiable accounts that are severely damaging my credit profile and overall financial well-being. I have already sent a formal dispute letter to TransUnion as part of my second round of disputes, and instead of correcting the information or removing the unverifiable items, they have continued reporting these harmful entries without any meaningful investigation. 

There are two addresses on my report XXXX XXXX XXXX XXXX, SC XXXX and XXXX XXXX XXXX, SC XXXX that I have never lived at or used for any purpose. These addresses are completely incorrect and suggest a possible case of mixed or mistaken identity. Despite notifying TransUnion, they remain on my credit file. 

I also have multiple accounts showing late payments and charge-offs that are either extremely outdated or completely inaccurate. For example, a XXXX XXXX account ( opened on XX/XX/XXXX with a balance of {$460.00} ) is showing as a charge-off, even though I had attempted to work out a resolution with the creditor and was not notified of any formal charge-off. Another account from XXXX XXXX XXXX ( opened XX/XX/XXXX with a balance of {$270.00} ) is reflecting a late payment, but I was never properly billed or alerted I only found out after reviewing my credit report. 

The most troubling part is the long list of student loan accounts from XXXX XXXX and XXXX, many of which were opened between XXXX and XXXX and have long since been closed with {$0.00} balances. These accounts still reflect late payments, even though they are far older than the XXXX reporting limit allowed under the Fair Credit Reporting Act. This includes several entries dating back as far as XXXX, which should have been removed years ago but are still being used against me. 

There are also multiple Department of Education loans that are reported as charge-offs, all opened in XX/XX/XXXX. The balances range from a few XXXX to over {$40000.00}. These accounts should have been updated to reflect deferment or forbearance status due to the federal loan pause and other relief programs, but instead they are all being listed as charged-off debts. This is not only misleading, but also a misrepresentation of the actual loan status, especially for federal student loans that were paused during the pandemic. 

On top of that, there are several collection accounts that I have never been notified about or validated such as those from XXXX, XXXX XXXX, XXXX XXXX, and XXXX. For example, XXXX XXXX has two separate collections ( opened in XX/XX/XXXX ) with different balances but no explanation of the origin of either debt. XXXX XXXX has reported the same account twice, with different balances and different open dates once in XX/XX/XXXX and again in XX/XX/XXXX which seems like duplicate reporting. 

Finally, I noticed multiple hard inquiries that I never authorized, including ones from XXXX ( XX/XX/XXXX )XXXX XXXX XXXX XXXX  XX/XX/XXXX ), and XXXX  XXXX ( XX/XX/XXXX ). I did not apply for credit with any of these companies during those times. These inquiries were made without my consent or knowledge and have contributed to lowering my credit score unfairly.

I have tried to resolve this directly with TransUnion by providing clear evidence and requesting reinvestigation. Unfortunately, they have failed to correct these errors or to provide me with any proof that these items are accurate or valid. Their continued failure to ensure accurate reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This inaccurate information is not only unfair its making it harder for me to qualify for housing, employment, and even insurance. 

I am asking the Consumer Financial Protection Bureau to intervene and hold TransUnion accountable. I want all unverifiable, inaccurate, outdated, or misleading items removed from my report immediately, and I want an updated credit report issued once that has been done. I am also asking that the unauthorized inquiries be deleted, and that all reporting be brought into full compliance with 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