Consumer complaint received 2025-07-01 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: MI

Complaint narrative:
I am filing this formal complaint against TransUnion for failure to maintain accurate information in my credit report as mandated under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite my repeated efforts to resolve these issues, TransUnion continues to report inaccurate and damaging information, including incorrect addresses, unauthorized inquiries, outdated charge-offs, and late payment records. Each disputed item is detailed below along with relevant laws and the impact on me. 
Wrong Address Reporting Reported Address : XXXX XXXX XXXX XXXX XXXX, MI XXXX Issue : This is not and has never been my residential address. Reporting inaccurate addresses can be a sign of potential identity theft and contributes to the inclusion of accounts and inquiries that do not belong to me.

Law Cited : FCRA 607 ( b ) - A consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy.

Impact/Story : This incorrect address may have caused creditors to associate accounts and hard inquiries to my report in error, severely impacting my creditworthiness. 

Account : XXXX Account # XXXX * * Date Opened : XX/XX/XXXX | Balance : {$27000.00} | Status : Late Payment Issue : This account reflects repeated late payments that I dispute as inaccurate and unverifiable. No proper notice or validation of debt was provided prior to negative reporting. 
Law Cited : FCRA 611 ( 15 U.S.C. 1681i ) : Right to dispute inaccurate information FCRA 609 ( 15 U.S.C. 1681g ) : Right to full disclosure and source of information Impact/Story : These late payments have damaged my credit score and reputation without proper validation, impacting my ability to secure housing and auto loans. 
Account : XXXX XXXX Account # XXXX * * Date Opened : XX/XX/XXXX | Balance : {$1400.00} | Status : Charge Off Issue : This charge-off is outdated, inaccurate, and unverifiable. The account may have been included due to the misreported address.

Law Cited : FCRA 605 ( a ) : Charge-offs should not remain for more than 7 years FCRA 607 ( b ) : Maximum possible accuracy requirement Impact/Story : This entry is negatively affecting my credit report and does not reflect my true payment history. 
Account : XXXX XXXX  Account # XXXX * * Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Charge Off Issue : Reporting a charge-off with a {$0.00} balance is misleading and indicates poor data handling. It is also duplicative and potentially damaging. 
Law Cited : FCRA 602 - Consumer rights to fair and accurate credit reporting Impact/Story : Even though the balance is XXXX, the charge-off notation continues to harm my credit profile. 

Account : XXXX  XXXX Account # XXXX * * Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Late Payment Issue : This account shows a late payment that is inaccurate. I was enrolled in auto-pay and there was no prior notice or communication from the creditor regarding a missed payment. 
Law Cited : FCRA 611 : Right to dispute and require reinvestigation FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers must report accurately Impact/Story : This false reporting has unjustly reduced my credit score and created unnecessary hardship.

Hard Inquiries ( Unauthorized or Unverified ) : These inquiries were not authorized by me and are not related to any credit application initiated by me. 
Inquiry Dates : XX/XX/XXXX unless noted otherwise XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( XX/XX/XXXX ) Issue : Hard inquiries negatively affect credit scores and should not be recorded without explicit consumer authorization. 
Law Cited : FCRA 604 ( a ) ( 3 ) : Permissible purpose for pulling credit FCRA 604 ( c ) ( 1 ) : Written instructions are required for most credit inquiries Impact/Story : These inquiries were not initiated by me, and their presence suggests potential unauthorized access or fraud. They have also caused my score to drop unjustly. 
Conclusion & Relief Requested : TransUnion has violated multiple provisions under the FCRA by failing to ensure the accuracy, validity, and proper authorization of information reported on my credit file. I request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and compel TransUnion to : XXXX. Remove the incorrect address from my credit file XXXX. Delete or properly verify all disputed accounts and inquiries XXXX. Provide documentation of the source and authorization for each disputed item XXXX. Ensure compliance with FCRA moving forward I respectfully request immediate relief and remediation for the financial and emotional hardship caused by these continued inaccuracies.

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