Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against TransUnion due to their persistent and willful reporting of inaccurate, incomplete, and unverifiable information on my credit report. These errors are causing significant harm to my financial well-being and are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Despite previous disputes, TransUnion has failed to investigate or correct the false entries. I am now escalating to the Consumer Financial Protection Bureau to demand immediate enforcement of my rights. Below is a breakdown of each inaccurate entry : Account : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge-Off * * Issue : This account is being inaccurately reported as a charge-off despite showing a {$0.00} balance. A charged-off status with no balance is contradictory and misleading. 
Law : FCRA 1681e ( b ) requires accuracy in reporting. 1681i ( a ) failure to reasonably investigate disputed information. 1681s-2 ( b ) furnishers must correct or delete inaccurate data.

Story : I disputed this account with proof that the account was settled and closed. TransUnion failed to correct the charge-off status, even after the creditor confirmed the balance is {$0.00}. The false charge-off is damaging my credit score and reputation. It implies I defaulted when I didnt, which has led to denial of loans and employment setbacks. 
Inquiry : XXXXXXXX XXXX Date : XX/XX/XXXX Issue : I did not authorize or apply for credit from XXXX XXXX  at this time.

Law : FCRA 1681b ( c ), 1681b ( f ) requires permissible purpose and consumer consent for inquiries.

Story : This hard inquiry was placed on my file without my knowledge or consent. I did not shop for a vehicle or seek auto financing, and this entry makes it look like I did. It negatively impacts my credit score and suggests activity I never initiated.

Inquiry : XXXX Date : XX/XX/XXXX Issue : Unauthorized hard inquiry without any credit application or consent. 
Law : Same as above FCRA 1681b ( c ), 1681b ( f ) Story : I contacted XXXX and they confirmed no application was submitted under my name. This is an error or possible sign of identity misuse, and TransUnion failed to remove it even after my dispute. 
Inquiry : XXXX XXXX XXXX Date : XX/XX/XXXX Issue : No application was made by me.

Law : FCRA 1681b Story : These inquiries have resulted in score drops and led lenders to deny me based on " excessive credit seeking behavior, '' which is entirely false. 
Inquiry : XXXX XXXX Date : XX/XX/XXXX Issue : Unauthorized and unexplained inquiry.

Law : FCRA 1681b ( f ) Story : I have never applied for or leased a vehicle from XXXX XXXX. This is further evidence of errors related to the incorrect addresses on my file. 
Inquiry : XXXX  Date : XX/XX/XXXX ( XXXX ) Issue : Duplicate unauthorized inquiries Law : FCRA 1681b Story : I never authorized a single XXXX inquirylet alone two on the same day. This pattern is harmful, misleading, and a clear data abuse. 
Inquiry : XXXX Date : XX/XX/XXXX Issue : I did not apply for a loan with this company Law : FCRA 1681b Story : These unauthorized pulls are impacting my ability to secure housing and auto loans due to " excessive inquiries. '' TransUnion has failed to meet their responsibilities under FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( b ), and 1681b. Their neglect in verifying information and securing my file from unauthorized access has caused severe and ongoing damage to my credit profile and personal life. I respectfully ask that the CFPB enforce compliance, require TransUnion to delete all inaccurate addresses, correct or delete the misreported account, and remove all unauthorized inquiries listed above. I am requesting a full investigation into these matters and appropriate regulatory penalties for TransUnions failure to uphold the 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