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: FL

Complaint narrative:
I am filing this complaint because TransUnion is reporting multiple inaccurate, unverifiable, and unauthorized items on my credit report. I have disputed these items directly with TransUnion, but they have failed to conduct a proper reinvestigation as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. They have continued to publish false information that is damaging my creditworthiness and causing ongoing harm. 

First, TransUnion is listing XXXX addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I have never lived at, received mail at, or been associated with these addresses. Keeping them on my file creates a false and misleading credit history, increasing my risk of being linked to debts or accounts that are not mine. Under FCRA 607 ( b ), they must ensure the maximum possible accuracy of consumer information, and these addresses violate that requirement. 

Second, TransUnion is reporting XXXX accounts with false late payments and other derogatory information : XXXX XXXX reporting a late payment with a balance of {$14000.00}, opened XX/XX/XXXX. 

XXXX XXXX reporting a late payment with a balance of {$10000.00}, opened XX/XX/XXXX. 

XXXX XXXX XXXX reporting as a charge-off despite a {$0.00} balance, opened XX/XX/XXXX. 

I have never received any documentation from TransUnion or the furnishers proving the accuracy of these negative entries, despite my written disputes. Under FCRA 611 ( a ), any information that can not be verified must be deleted. Instead, they have simply verified them without producing proof, which is a violation of both 611 ( a ) and 623 ( b ). 

Lastly, TransUnion is reporting XXXX unauthorized inquiries that I did not approve or initiate : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Under FCRA 604 ( a ), a company must have a permissible purpose before accessing a consumers credit report. I have no relationship or application history with these companies, and TransUnion has failed to remove these inquiries despite being notified that they were unauthorized. 

These errors are not minor. They have caused me to be denied credit, face higher interest rates, and suffer reputational harm. XXXX actions show a pattern of negligence and possible willful noncompliance with the FCRA. I am requesting that the CFPB investigate XXXX practices, require them to delete the disputed information, and hold them accountable for failing to follow federal law. 

I want all unverifiable and unauthorized information listed above permanently deleted from my file, and I request written confirmation once this is completed.

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