Consumer complaint received 2025-08-30 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 submitting this complaint because TransUnion has continued to report false, inaccurate, and unverified information on my credit file despite my repeated disputes and requests for correction. This has caused me serious financial and emotional harm, and I am asking for the Consumer Financial Protection Bureaus help in holding TransUnion accountable for these violations of my rights under the Fair Credit Reporting Act.

First, TransUnion continues to associate me with the address XXXX XXXX XXXX XXXX XXXXXXXX, which is not my address and has no connection to me. This false address creates confusion about my identity and calls into question the accuracy of all other information they are reporting.

In addition, there are multiple accounts being reported as charge-offs or with other negative marks that I do not recognize and that have never been verified. These include XXXX XXXX, account number ending in XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a reported balance of {$4100.00} ; XXXX, account ending in XXXX XXXX XXXX, opened on XX/XX/XXXX with a reported balance of {$2700.00} ; XXXX XXXX , account number ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a reported balance of {$13000.00} ; XXXX XXXX, account number ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a reported balance of {$6800.00} ; and XXXX, account number ending in XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a reported balance of {$2600.00}. None of these accounts belong to me, and TransUnion has failed to provide any validation or documentation proving that these entries are accurate or legally reportable.

There are also accounts being inaccurately reported with late payments despite having no outstanding balance. For example, XXXX, account number ending in XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, is being reported with late payments even though the balance is listed as {$0.00}. Similarly, USDOEXXXX, account number ending in XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, shows late payments even though there is no balance owed. Reporting late payments on accounts with XXXX balances is misleading, damaging, and shows a lack of care in maintaining accurate consumer records.

In addition to these issues, there are hard inquiries being reported that I did not authorize. XXXX XXXX is listed with an inquiry dated XX/XX/XXXX, and XXXX XXXX is listed with an inquiry dated XX/XX/XXXX. These inquiries were not approved by me, and I have never given permission for these companies to access my credit file.

All of this inaccurate information has caused me serious harm, making it difficult for me to obtain fair credit and leaving me vulnerable to further identity confusion and financial risk. TransUnion is required by law under FCRA 1681e ( b ) to maintain the maximum possible accuracy of my credit report and to conduct a reasonable reinvestigation when I dispute inaccurate information, but they have failed to do so. I have sent multiple disputes to TransUnion and they have either failed to respond appropriately or verified information that they can not prove to be accurate. This pattern of negligence shows a disregard for consumer rights and federal law.

I am requesting that the CFPB investigate this matter and require TransUnion to delete all unverified and inaccurate information from my credit file, including the false address, all the listed charge-off accounts, the accounts showing late payments with XXXX balances, and the unauthorized inquiries. TransUnion should also be required to provide written confirmation that my credit file has been corrected. These errors have severely damaged my financial reputation and continue to cause stress, embarrassment, and barriers to accessing essential financial opportunities.

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