Consumer complaint received 2025-06-20 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 formal complaint against TransUnion, a credit reporting agency, for serious violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 et seq. TransUnion has failed to maintain accurate credit information about me and continues to report wrong addresses, charged-off accounts, collections, late payments, and unauthorized inquiries despite my previous dispute ( s ).

I have submitted multiple disputes to TransUnion, but the inaccuracies remain, causing significant damage to my financial reputation, access to credit, and emotional distress. 
Violations and Disputed Items : Wrong Address Reporting TransUnion is inaccurately reporting the following addresses that do not belong to me, and I have never resided at them : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation : Under 15 U.S. Code 1681e ( b ), TransUnion is required to follow reasonable procedures to assure maximum possible accuracy of the information it reports. Reporting false addresses without proper verification is a direct violation. 
Incorrect and Negative Accounts XXXX. XXXX XXXXcct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Status : Charge Off o Balance : {$2400.00} o Date Opened : XX/XX/XXXX Violation : This account was not authorized by me, and the reporting is damaging my credit unfairly. No verification documentation has been provided. 
XXXX. XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Status : Charge Off o Balance : {$21000.00} o Date Opened : XX/XX/XXXX Violation : Account not properly validated. Per 15 U.S. Code 1681i ( a ), TransUnion must reinvestigate any disputed item within 30 days. No evidence or investigation result was ever shared with me. 
XXXX. XXXX XXXX XXXX Acct # XXXX o Status : Charge Off o Balance : {$5600.00} o Date Opened : XX/XX/XXXX Violation : This account is inaccurately reported and does not reflect actual payment history or original creditor resolution. 
XXXX. XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX o Status : Late Payment o Balance : {$4500.00} o Date Opened : XX/XX/XXXX Violation : Payment history is misrepresented. I was in communication with the creditor and had active deferments that were ignored. Violates 15 U.S. Code 1681s-2 ( a ) regarding furnishing accurate information. 
XXXX. XXXX  Acct # XXXX XXXX o Status : Collection o Balance : {$2300.00} o Date Opened : XX/XX/XXXX Violation : This debt is either paid or invalid. No notice of collection or validation letter was sent. Violates 15 U.S. Code 1692g under FDCPA, and TransUnion continued to report it without verification.

Unauthorized Inquiry XXXX. XXXX XX/XX/XXXX o Type : Hard Inquiry Violation : This inquiry was made without my knowledge or consent, which constitutes a violation under 15 U.S. Code 1681b ( c ). TransUnion failed to ensure that permissible purpose existed before allowing this inquiry to be reported. 
Remedy Sought : 1. Immediate deletion of the inaccurate addresses listed above.

2. Full investigation and removal of the above-mentioned accounts if verification can not be completed. 
XXXX. Deletion of unauthorized inquiry dated XX/XX/XXXX. 
4. Provide copies of all documentation used in verifying these accounts.

5. A full written response confirming compliance within 15 business days. 
Conclusion : The reporting failures by TransUnion constitute negligent and willful noncompliance with the FCRA. I have suffered credit denials, increased interest rates, and emotional distress. I urge the CFPB to take immediate regulatory action against TransUnion and ensure the errors are corrected immediately. 
If TransUnion continues to ignore their legal obligation, I reserve the right to pursue additional legal remedies under 15 U.S. Code 1681n and 1681o for damages, attorney fees, and punitive damages.

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