Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing this complaint against TransUnion due to repeated, negligent, and damaging inaccuracies reported on my credit file despite multiple dispute attempts. These include : Reporting of a wrong address with no connection to me. 
Late payment, charge-off accounts, and unauthorized hard inquiries. 
Violation of federal consumer protection laws such as the Fair Credit Reporting Act ( FCRA ), specifically 1681c-2, 1681e ( b ), and 1681i ( a ). 
Emotional and financial distress resulting from these errors, impacting my creditworthiness and personal well-being. 
Details of Disputed Items : WRONG ADDRESS REPORTED XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have never lived, worked, or had any association with this address. 
This is a clear violation of FCRA 1681e ( b ), which requires credit bureaus to maintain maximum accuracy of information. 
I have previously submitted disputes, but TransUnion has failed to correct this. 
Accounts with Issues : XXXX. XXXX XXXX XXXX  Acct # XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} Issue : Late Payment This account is reporting late payments, which I dispute. I was affected by financial hardship and requested accommodations, which were not honored or updated correctly in my report. 
TransUnion failed to perform a proper reinvestigation in violation of FCRA 1681i ( a ).

Under FCRA 1681s-2 ( a ), furnishers are prohibited from reporting inaccurate or incomplete information once they are aware of a dispute. 
Story : Due to unexpected medical emergencies and employment instability, I faced financial hardship during this period. I communicated proactively with the creditor. Despite my good-faith efforts, TransUnion has reported this inaccurately, which has severely damaged my credit profile. 
XXXX. XXXX XXXX XXXX Acct # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Charge-Off This charge-off remains on my report even though the balance shows {$0.00} and the account is closed. 
Keeping this on my report without proper verification is a violation of FCRA 1681c ( obsolete or outdated information ) and 1681i ( a ) ( failure to investigate ). 
Story : I paid this account in full after settlement. However, the charge-off is still reported, unfairly affecting my creditworthiness. This misrepresentation is hindering my access to credit and financial opportunities. TransUnion has ignored multiple requests to investigate this. 
Unauthorized or Questionable Hard Inquiries : XXXX. XXXX XXXX XXXX XXXX ( Multiple Inquiries ) Inquiry Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Issue : Unauthorized Hard Inquiries I did not authorize three separate hard inquiries by XXXX XXXX  within this time period. 
TransUnion violated FCRA 1681b ( c ), which mandates that credit inquiries must be conducted with the explicit consent of the consumer or for permissible purposes only. 
Story : I did not apply for new credit with XXXX XXXX  on these dates. These inquiries appear to be either errors or the result of potential identity misuse. I have not been provided with any documentation or permissible purpose by XXXX XXXX  or TransUnion. 
XXXX. XXXX  Inquiry Date : XX/XX/XXXX Issue : Unauthorized Inquiry No credit application was made by me with XXXX  on this date. 
This inquiry was done with

out permissible purpose, violating FCRA 1681b ( f ). Story : This inquiry was co
mpletely unauthorized. XXXX  has not responded to my requests for documentation, and TransUnion has failed to remove this unauthorized inquiry even after dispute. 
XXXX. XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Inquiry This inquiry was not initiated or approved by me. 
FCRA mandates consumer consent before any hard inquiry can be made. 
Story : I have no business relationship with XXXX. I never applied for credit or services from them. The continued presence of this inquiry, despite disputes, is unjustified and harmful. 
XXXX. XXXX XXXX Date : XX/XX/XXXX Issue : Unauthorized Inquiry TransUnion failed to verify consent or permissible purpose for this hard inquiry. 
This inquiry constitutes a violation of FCRA 1681b ( a ). 
Story : This was done without my authorization. It could be a result of data mix-up or fraud. My efforts to get this removed have gone unanswered by TransUnion. 
Relief Sought : I respectfully request the CFPB to : 1. Order TransUnion to remove the inaccurate address from my credit file immediately.

2. Remove or correct all the disputed account entries and hard inquiries listed above.

3. Impose penalties or monitoring to ensure TransUnion adheres to their obligations under the FCRA.

4. Compensate for the distress, time, and damage caused to my credit standing.

Supporting Laws Cited : FCRA 1681e ( b ) Duty to maintain accuracy.

FCRA 1681i ( a ) Failure to reinvestigate consumer disputes.

FCRA 1681c Reporting of obsolete/outdated information.

FCRA 1681b ( c ) ( 1 ) ( A ) Permissible purpose for inquiries.

FCRA 1681s-2 ( a ) Furnishers duty not to report false information.

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