Consumer complaint received 2025-08-06 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: LA

Complaint narrative:
I am filing this formal complaint against TransUnion for their repeated failure to correct and remove inaccurate and unverifiable information from my credit report, despite multiple disputes. This is my third attempt to have these errors addressed, and I believe TransUnion is in violation of several sections of the Fair Credit Reporting Act ( FCRA ), including but not limited to 602 ( a ), 607 ( b ), 611, and 604 ( a ) ( 3 ).

TransUnion continues to report two addresses on my credit XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, and XXXX XXXX XXXX, XXXX, XXXX  XXXX I have never lived at. I have no known connection to either of these locations, and I have already informed TransUnion about this in prior disputes. The FCRA mandates that consumer reporting agencies ensure the maximum possible accuracy of the information they maintain. Continuing to associate me with addresses that are not mine is a clear failure to comply with that obligation. Moreover, since I have disputed these addresses multiple times and TransUnion has not provided any documentation verifying their validity, I believe they are willfully ignoring my rights under the FCRA. 

In addition, TransUnion is reporting a late payment on an account from XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX ), which reflects a {$0.00} balance. A late payment being reported on a closed or paid-off account is both contradictory and harmful to my credit profile. I have requested documentation or verification of this late payment, but TransUnion has failed to respond adequately. According to the FCRA, if a data furnisher can not verify the accuracy of reported information, that information must be corrected or deleted. This ongoing inaccuracy is materially damaging and demonstrates a lack of reasonable procedures to ensure fair reporting. 

Furthermore, there are multiple hard inquiries on my credit report from XXXX XXXX ( dated XX/XX/XXXX ), XXXX BANK XXXX ( dated XX/XX/XXXX ), XXXX XXXX ( dated XX/XX/XXXX ), XXXX BANK ( dated XX/XX/XXXX ), and XXXX/XXXX  ( dated XX/XX/XXXX ) that I did not authorize. I never applied for credit with these entities on or around those dates. Under FCRA 604 ( a ) ( 3 ), a credit bureau may only release my credit report to third parties that have a permissible purpose, such as in connection with a credit application initiated by me. These inquiries were not initiated by me, nor was my authorization obtained. I have previously disputed these inquiries, yet TransUnion has failed to investigate or provide any documentation proving my consent. 

TransUnions continued failure to correct or delete these inaccurate, outdated, and unauthorized entries demonstrates a pattern of negligence and noncompliance. I am deeply concerned that their inaction is causing ongoing and unjust harm to my credit standing and financial opportunities. I respectfully request that the CFPB investigate this matter, compel TransUnion to delete all inaccurate and unverifiable information, and ensure compliance with federal consumer protection laws.

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