Consumer complaint received 2025-07-12 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: CA

Complaint narrative:
To Whom It May Concern, I am filing this complaint against TransUnion for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) related to inaccurate, unverifiable, and unauthorized entries appearing on my credit report. Despite previous disputes, these items have not been corrected or removed, and TransUnion has failed to meet its legal obligations under federal law.

Below is a detailed summary of the accounts, issues, and legal concerns : XXXX XXXX XXXX XXXX XXXX  High Balance : {$890.00} Date Opened : XX/XX/XXXX Status : Late Payments * * Issue : Late payments reported during an active hardship period. 
Violation : FCRA 623 ( a ) ( 1 ) ( A ) ; CARES Act XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX High Balance : {$20000.00} Date Opened : XXXXXX/XX/XXXX Status : Charge Off * * Issue : Charge-off reported with inconsistent balance and no verification.

Violation : FCRA 607 ( b ) ; FCRA 611 ( a ) XXXX XXXX XXXX High Balance : {$600.00} Date Opened : XX/XX/XXXX Status : Late Payments * Issue : Delinquencies reported inaccurately and without validation. 
Violation : FCRA 623 ( a ) ( 5 ) ; FDCPA 807 ( 8 ) XXXX XXXX XXXX XXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Status : Charge Off * * Issue : Charge-off status listed without prior notification or validation. 
Violation : FDCPA 809 ( b ) ; FCRA 623 ( b )  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$460.00} Date Opened : XX/XX/XXXX Status : Collection * * Issue : Debt reporting without proper validation or disclosure.

Violation : FDCPA 809 ( a ) ; FCRA 611 ( a ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$270.00} Date Opened : XX/XX/XXXX Status : Collection * * Issue : Debt reported without verification or documentation of ownership.

Violation : FCRA 623 ( a ) ( 1 ) ( A ) ; FDCPA 807 XXXX XXXX XXXX XXXX XXXX High Balance : {$310.00} Date Opened : XX/XX/XXXX Status : Collection * * Issue : Failure to respond to a debt validation request before reporting. 
Violation : FDCPA 809 ( b ) ; FCRA 611 XXXXXXXX XXXX  Date : XX/XX/XXXX Status : Inquiry Issue : Unfamiliar inquiry without permissible purpose or authorization.

Violation : FCRA 604 ( a ) ( 3 ) XXXX XXXX  Date : XX/XX/XXXX Status : Inquiry Issue : Unauthorized hard inquiry damaging my credit score. 
Violation : FCRA 604 ( a ) ( 3 ) XXXX XXXX  Date : XX/XX/XXXX Status : Inquiry Issue : Inquiry made without my consent or credit application. 
Violation : FCRA 604 ( a ) XXXX XXXX XXXX XXXX, CA XXXX Issue : Inaccurate address not associated with my identity. 
Violation : FCRA 607 ( b ) Summary of Non-Compliance : TransUnion has failed to meet its legal responsibilities to ensure maximum possible accuracy under FCRA 607 ( b ), conduct a reasonable reinvestigation under 611 ( a ), and avoid reporting unverifiable or incorrect data under 623 ( a ). These failures have negatively impacted my credit score, misrepresented my financial behavior, and caused emotional distress. 

Resolution Requested : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) require TransUnion to conduct a full investigation into each of the above-listed items. If they are found to be unverifiable, inaccurate, or reported without legal basis, they must be permanently deleted from my credit file. I am also requesting a written statement confirming the outcome of each investigation.

I am prepared to escalate this matter further if a satisfactory resolution is not reached.

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