Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against the credit reporting agencies and furnishers for reporting inaccurate and misleading information that violates my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These items listed below are being reported incorrectly and are causing serious harm to my creditworthiness, financial stability, and personal reputation. I have previously disputed these items, but the reporting agencies have failed to conduct a lawful reinvestigation as required by law. Each item below contains factual inaccuracies, and I am requesting a full investigation by the CFPB into these unlawful reporting practices. 

ADDRESSES XXXX XXXX XXXX XXXX, CA XXXX This address is being falsely reported and has no legitimate or verifiable connection to my credit history or current residence. TransUnion is required under FCRA 1681c ( a ) ( 4 ) to maintain only accurate and relevant address data. The continued reporting of this inaccurate address suggests inadequate verification procedures and a failure to ensure compliance with FCRA 1681e ( b ). The inclusion of this address has contributed to mixed or merged file errors and has potentially caused confusion in my credit file, violating my rights to fair and accurate reporting. 

XXXX XXXX XXXX XXXX, CA XXXX This address also appears on my file without any authorization or record of residency. Under FCRA 1681i ( a ) ( 5 ) ( A ), when a consumer disputes an address as inaccurate, the credit bureau must delete or correct it within the reinvestigation period unless verified with concrete documentation. Continuing to display this address without validation demonstrates negligence in maintaining file accuracy and compliance with FCRA 1681e ( b ). The presence of this false address damages my credit credibility and misrepresents my identity information. 

ACCOUNT XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment XXXX XXXX  This account is inaccurately reporting late payments, which is misleading and damaging. The balance is shown as {$0.00}, yet the account still reflects derogatory payment history without verification of authenticity. Reporting a paid or closed account as delinquent violates FCRA 1681e ( b ), which requires consumer reporting agencies to ensure the maximum possible accuracy of information. It also breaches FCRA 1681i ( a ) ( 1 ) ( A ), which mandates prompt reinvestigation of disputed items. The Fair Credit Billing Act further requires accurate reporting of payment history, and failure to validate with original creditor documentation constitutes willful noncompliance. This misleading reporting negatively affects my creditworthiness and is unlawful under the FCRAs accuracy provisions. 

INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was made without my knowledge or consent and lacks any signed authorization or permissible purpose. Reporting such inquiries violates FCRA 1681b ( a ), which restricts access to consumer reports only for legitimate business needs initiated by the consumer. The continued presence of this inquiry after prior disputes indicates a failure to comply with FCRA 1681i ( a ) ( 5 ) ( A ) and 1681b ( c ), both of which protect consumers from unauthorized access and retention of inquiries not supported by documentation. 

XXXX XX/XX/XXXX This inquiry is also unauthorized and was never initiated by me. It is in direct violation of FCRA 1681b ( a ) ( 2 ) and 1681b ( f ), which require that any inquiry must be based on a permissible purpose explicitly granted by the consumer. Retaining such an inquiry after prior disputes reflects negligent investigation procedures. TransUnion must provide proof of signed consent or remove this inquiry permanently to maintain compliance. 

XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was not authorized by me and was obtained without permissible purpose, violating FCRA 1681b ( a ) ( 3 ) ( A ) and 1681b ( f ). The Fair Credit Reporting Act requires that every inquiry have a legitimate business purpose directly initiated by the consumer, and this was not the case. Continued inclusion of this inquiry constitutes unauthorized access to my personal data and violates my right to privacy under federal law. Immediate deletion is required as this entry has no legal standing and represents a breach of compliance with 1681i ( a ) ( 1 ) ( A ).

I request that the CFPB require the furnishers and credit bureaus to remove or correct all inaccurate information associated with the above-listed, verify their compliance with FCRA procedures, and provide written confirmation of corrective actions. I also request an official record of this complaint and enforcement measures taken against noncompliant entities.

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