Consumer complaint received 2025-08-16 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 TransUnion has been reporting inaccurate and unverifiable information on my credit report, and despite my previous disputes, these errors remain. The information on my report is harming me financially and emotionally, and it is being reported without proper validation. 

First, TransUnion has tied me to several addresses that I have never lived at, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX XXXXXXXX. These addresses do not belong to me, and their presence creates confusion in my personal file. Wrong addresses are extremely damaging because they can associate me with accounts and debts that are not mine. 

In addition, TransUnion is reporting several accounts with false, incomplete, or unverifiable data. For example, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a reported balance of {$480.00}, is being listed as a charge-off, but XXXX XXXX has never provided validation or documentation. Similarly, multiple XXXX XXXX XXXXXXXX XXXX XXXX reporting late payments, including account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with balance {$1600.00}, and account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with balance {$3500.00}, as well as accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with balance {$4000.00} and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with balance {$1000.00}. None of these alleged delinquencies have ever been proven, and I never received proper documentation or billing records to support these late payment claims. 

TransUnion is also reporting other accounts as charge-offs and collections without proper validation. For example, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$1100.00} is being listed as a charge-off, XXXX XXXX but I never received proof of this debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with balance {$0.00}, is reported as a charge-off, which is misleading since the balance is XXXX. * * Another account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with balance {$1500.00}, is being reported as a charge-off * * even though I was never given validation. On top of this, collections have been added without any validation, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with balance {$730.00}, XXXX XXXX # XXXXXXXX XXXX opened XX/XX/XXXX with balance {$170.00}, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with balance {$430.00}. These are all listed as derogatory accounts, yet no collector has ever provided documentation proving that I owe these debts. 

Finally, TransUnion is allowing multiple unauthorized inquiries on my report that I never approved. These include 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. I never applied for credit with these companies, nor did I authorize them to access my credit file. These inquiries are damaging my score and are a clear violation of my consumer rights. 

All of this inaccurate reporting is in violation of the Fair Credit Reporting Act, which requires TransUnion to ensure maximum possible accuracy of consumer information. Instead, they are allowing unverifiable data, false addresses, unvalidated accounts, and unauthorized inquiries to remain on my report. This has caused me serious financial harm, including being denied credit opportunities and facing higher interest rates. 

I am asking the CFPB to step in and hold TransUnion accountable. I want these unverifiable and inaccurate items to be removed from my report, and I want TransUnion to be required to follow the law by ensuring that only verified and accurate information is reported.

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