Consumer complaint received 2025-09-30 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: NY

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this complaint because my rights under the Fair Credit Reporting Act are being repeatedly violated by TransUnion and its data furnishers. I have always maintained responsibility for my financial affairs, but the information being reported on my credit file is not only inaccurate but also unverifiable, which is causing me severe harm in my personal and financial life. Under the FCRA, consumers are entitled to maximum possible accuracy and to the removal of any information that can not be verified. In my case, several items have been published on my file that do not belong to me, and my repeated efforts to dispute them have not resulted in proper correction. 

The first issue concerns a false address, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXX, which is listed on my file. I have never lived at this location nor used it in any application or official record. TransUnion has failed to ensure the accuracy of my identifying information, which is a direct violation of FCRA 607 ( b ) and 609. An incorrect address tied to my file exposes me to potential identity confusion and damages my credibility. 

Beyond this, my report contains fraudulent charge-off accounts that I have no knowledge of. An account with XXXXXXXX XXXX XXXX XXXX XXXX showing a date opened of XX/XX/XXXX and a high credit of {$5400.00}, is being reported as a charge off. I have never opened this account, nor have I had any relationship with XXXX XXXX involving this number. Similarly, a separate account, XXXX XXXX # XXXXXXXX XXXX XXXX, opened on XX/XX/XXXX with a listed high credit of {$6800.00}, is also being reported as a charge off. I do not recognize this account and never contracted for it. Under FCRA 611 and 623, no account may be reported without verification through documented proof. Yet, these furnishers and TransUnion have continued to include them on my file despite the fact that they can not be lawfully verified. These accounts are damaging my credit, portraying me as someone who defaulted on obligations I never incurred. 

Even more troubling is the appearance of unauthorized inquiries on my file. My credit report lists XXXX dated XX/XX/XXXXXXXX XXXX dated XX/XX/XXXX, and XXXX XXXX dated XX/XX/XXXX. I never authorized any of these companies to access my consumer report, nor did I initiate any application that would give them a permissible purpose. The FCRA 604 is very clear that a consumer report may only be accessed for legitimate purposes, such as with consumer consent or for an active credit application. The presence of these inquiries demonstrates a reckless disregard for consumer protection and further compounds the damage to my credit standing. 

As a consumer, I am deeply frustrated because these errors do not just sit idly on paperthey actively limit my ability to secure housing, employment, and fair credit opportunities. TransUnion has a legal obligation under FCRA 611 to reinvestigate and delete information that can not be verified. By continuing to report these items without supplying evidence, TransUnion and its furnishers are engaging in willful violations of federal law. I am requesting the Consumer Financial Protection Bureau to step in, investigate these unlawful practices, and compel TransUnion and its data furnishers to remove these inaccurate and unverifiable items from my file.

My identity and financial reputation are at stake because of this negligence, and the protections afforded under the Fair Credit Reporting Act must be enforced. I am seeking full deletion of the false address, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge-off, the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  charge-off, and the unauthorized inquiries from XXXX XXXX and XXXX  XXXX. I trust that the CFPB will act to ensure these violations are corrected and that my rights as a consumer are upheld.

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