Consumer complaint received 2025-08-05 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:
Im writing this complaint to express my frustration and disappointment with TransUnion for continuously reporting inaccurate and damaging information on my credit report, despite my repeated efforts to have these issues corrected. These errors are not only unfair, but they violate my rights under the Fair Credit Reporting Act ( XXXX  ), and they are negatively affecting my life. 

First and foremost, TransUnion is reporting multiple addresses on my credit profile that I have never lived at. The following addresses are completely inaccurate : XXXX XXXX, XXXX XXXX, SC XXXX ; XXXX XXXX, XXXX, FL XXXX ; and XXXX XXXX, XXXX, FL XXXX. I have never resided at any of these locations, nor do they have any connection to my identity. The presence of these addresses makes me concerned that my credit file is being mixed with someone elses, which is a serious issue. Ive submitted proper identification and proof of my current residence, yet TransUnion continues to report these false addresses. This is a violation of FCRA Section XXXX ( a ), which ensures that consumer reporting agencies maintain fair and accurate information. 

Additionally, there are accounts being reported with incorrect or unverifiable late payments. XXXX such account is from XXXX XXXX ( account ending in XXXX ), which shows a late payment even though Ive made every effort to stay on top of my financial obligations. This account was opened on XX/XX/XXXX, and currently shows a balance of {$460.00}. I requested proof of this late payment, but never received any documentation verifying it. Another account from XXXX ( ending in XXXX ), opened on XX/XX/XXXX, is also showing late payments and a balance of {$1100.00}. These negative marks are outdated and damaging, and TransUnion has failed to properly investigate them in accordance with FCRA Section XXXX. 

Theres also a major issue with how a charged-off account from XXXX XXXX XXXX XXXX XXXX reported. The account, opened on XX/XX/XXXX, shows a {$0.00} balance but is still labeled as a charge-off. This is extremely misleading. If the account has a XXXX balance, it should not continue to harm my credit report as a derogatory item. This contradicts the principle of accurate reporting outlined in FCRA Section XXXX ( b ). 

Whats even more troubling is the presence of duplicate collection accounts from XXXX XXXX. XXXX separate listings appear on my report, both with the same open date of XX/XX/XXXX. One shows a balance of {$170.00}, and the other shows {$160.00}. I do not understand how the same debt can appear twice under different amounts. This duplication is clearly unfair, and it inflates my negative marks, reducing my creditworthiness. XXXX failure to catch and correct this type of error is unacceptable. 

Lastly, my report includes XXXX hard inquiries that I did not authorize : XXXX from XXXX dated XX/XX/XXXX, and another from XXXX dated XX/XX/XXXX. I never gave permission for these companies to pull my credit, and TransUnion has not provided any evidence of a permissible purpose as required under FCRA Section XXXX. 

I have tried to resolve these issues directly with TransUnion by submitting disputes, but they have either failed to respond properly or left the incorrect information unchanged. These ongoing inaccuracies have caused me financial stress, denied credit opportunities, and unnecessary emotional distress. 

Im asking the CFPB to please step in and help me resolve these problems. TransUnion must be held accountable for failing to maintain accurate, fair, and verifiable information on my credit report. 

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 explanation