Consumer complaint received 2025-06-24 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: NJ

Complaint narrative:
Dear CFPB Officer, I am submitting this formal complaint against TransUnion for their continued failure to maintain accurate and verifiable information on my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), particularly under 602 ( A ), 607 ( b ), and 611 ( a ). Despite previous disputes and ample time provided, TransUnion has failed to investigate, validate, or delete multiple accounts and inquiries that are either inaccurate, outdated, unverifiable, or damaging to my consumer rights.

Below is a detailed list of the problematic items along with the issues : Address Discrepancy : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX This address has never been associated with me in any legal, financial, or residential capacity. Its appearance on my report is a violation under FCRA 607 ( b ) which requires consumer reporting agencies to maintain maximum possible accuracy. This must be immediately removed. 
Accounts with Errors or FCRA Violations : XXXX. XXXX XXXX Acct # : XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXXXXXX  | High Credit : {$3300.00} * * Issue : Late Payments Reported This account has reported multiple late payments, yet no proof of verified billing statements or payment history has been provided upon request. As per FCRA 611 ( a ), any unverifiable or disputed negative information must be removed within 30 days. 
Violation : Inaccurate reporting of delinquency without validation FCRA 607 ( b ) Failure to properly reinvestigate disputed information FCRA XXXX ( a ) XXXX. XXXX XXXX Acct # : XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXXXXXX  | High Credit : {$240.00} * * Issue : Late Payments Reported This account was opened very recently, yet it already reflects late payments, which is suspicious and inconsistent with standard credit reporting guidelines. The timeline does not allow for such derogatory history, and no validation has been provided. 
Violation : Unsubstantiated derogatory remarks FCRA 602 ( A ), 607 ( b ) Reporting inaccurate payment activity without evidence FCRA 611 ( a ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXXXXXX  | High Credit : {$20000.00} * * Issue : Charged-Off Account This account is being reported as a charge-off, but I have requested supporting documentation including payment history and charge-off statements none were provided. Moreover, this account should have aged off based on the 7-year rule under FCRA 605 ( a ). 
Violation : Outdated and unverified derogatory reporting FCRA 605 ( a ), 607 ( b ) No proper reinvestigation performed FCRA 611 ( a ) 4. XXXXXXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX  | Date Opened : XX/XX/XXXXXXXX  | High Credit : {$25000.00} * * Issue : Charged-Off Account I dispute this charge-off due to lack of proof from the furnisher. I also requested detailed account history, which was never provided. As per the law, this data must be validated or removed. 
Violation : Reporting unverifiable information FCRA 607 ( b ) Failure to properly investigate upon consumer request FCRA XXXX ( a ) XXXX. XXXX XXXX XXXX 
Acct # : XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXXXXXX  | Credit Limit : {$1000.00} * * Issue : Late Payments Reported This account has late payments listed, but I have not received any validation of the payment history. These derogatories are impacting my credit unfairly. 
Violation : Unverified late payments FCRA 607 ( b ) No reinvestigation response from TransUnion FCRA 611 ( a ) Hard Inquiries Without Authorization : The following hard inquiries appear on my credit file without my knowledge or permission. This is a direct violation of FCRA 604 ( a ) ( 3 ), which limits access to consumer reports unless authorized or initiated by the consumer.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violations : No permissible purpose for inquiries FCRA 604 ( a ) ( 3 ) Inquiries not initiated or authorized by me FCRA 609 ( a ) ( 1 ) Summary and Request for Immediate Action TransUnion has repeatedly failed to : Maintain accurate information ( 607 ( b ) ) Properly reinvestigate disputes ( 611 ( a ) ) Remove unverifiable or unauthorized data Protect me from unauthorized inquiries ( 604 ) These failures have caused me emotional distress, loss of credit opportunities, and potential overcharges due to artificially lowered credit scores. I am requesting : 1. Immediate deletion of all the accounts and inquiries listed above unless verifiable documentation is produced.

2. A detailed report of the verification method used for each item.

3. A formal notice of resolution within 30 days as required by FCRA 611 ( a ) ( 1 ). 
Declaration : I declare under penalty of perjury that all the information Ive provided in this complaint is true and correct to the best of my knowledge.

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