Consumer complaint received 2025-07-08 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: OK

Complaint narrative:
I am filing this complaint against TransUnion due to multiple violations of the Fair Credit Reporting Act ( FCRA ), including the continued reporting of inaccurate personal information, outdated or unverifiable account data, and unauthorized inquiries. These errors are severely affecting my credit reputation, loan opportunities, and peace of mind. Despite prior disputes and notifications, TransUnion has failed to properly investigate, verify, or delete the following incorrect information. I am demanding immediate deletion or correction under federal law. 
XXXX XXXX XXXX XXXX, OK XXXX Wrong Address This address is not mine, I have never lived or received mail at this location, and it is being inaccurately reported on my TransUnion credit file. Its presence is misleading and can cause identity confusion or misrepresentation of residency. 
Issue : Inaccurate personal identification information Law : FCRA 605 ( b ), 607 ( b ) requires accurate information and reasonable procedures to assure maximum possible accuracy Violation : TransUnion failed to maintain and verify the accuracy of address information which is not associated with me, violating its duty under the FCRA. 
XXXX XXXX XXXX XXXX, OK XXXX Wrong Address I have never been affiliated with this address. It is incorrectly showing in my credit profile and XXXX be associated with another consumer. The listing of incorrect address data is harming my credit standing and increasing my risk of being confused with another person 's account history.

Issue : Reporting of false personal information Law : FCRA 607 ( b ), 611 ( a ) consumer reporting agencies must follow reasonable procedures to assure accuracy and must reinvestigate disputed items Violation : TransUnions failure to delete this false address after dispute constitutes willful negligence and non-compliance with their statutory obligations. 
XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1700.00} Late Payment * * This account is being reported with late payments, which I dispute as inaccurate and unverified. XXXX failed to provide any proof that these delinquencies were legitimate. I have no contractual documentation to support the accuracy of the negative marks. 
Issue : Inaccurate late payment status without proper verification Law : FCRA 611 ( a ) ( 1 ) ( A ), 609 ( a ) ( 1 ) the CRA must verify data, and furnish all information upon request Violation : TransUnion did not fulfill its duty to investigate and failed to provide proper validation from the furnisher. Continued reporting is unjustified and harming my creditworthiness. 
XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$3000.00} Late Payment * * I dispute the late payment entries on this account as they are not supported by any verifiable proof. I requested documentation, contracts, and payment records validating these claims and received none. TransUnion allowed this unverifiable derogatory data to remain. 
Issue : Failure to verify account accuracy and failure to investigate upon dispute Law : FCRA 611 ( a ) ( 5 ) ( A ), 623 ( a ) ( 1 ) ( A ) furnishers must not report information known to be inaccurate Violation : TransUnion is complicit in violating FCRA by allowing inaccurate derogatory marks to persist without documentation or reinvestigation. 
XXXX XXXXXXXX Inquiry Dated : XX/XX/XXXX This hard inquiry was done without my knowledge, consent, or any credit application initiated by me. I have no relationship with XXXX XXXX as of the date shown, and I never authorized this access to my credit profile. 
Issue : Unauthorized credit inquiry Law : FCRA 604 ( a ) ( 3 ), 616 a permissible purpose must exist for a hard inquiry Violation : TransUnion failed to ensure that XXXX XXXX had a valid permissible purpose under the law before allowing them to access my credit file, leading to unauthorized exposure of my personal data and harm to my credit score.

Summary Demand : I respectfully demand TransUnion immediately remove the two incorrect addresses, both XXXX late payment reports unless verified with complete original documentation, and the unauthorized XXXX XXXX inquiry. TransUnion has repeatedly failed to maintain accurate records, conduct proper investigations, and protect my credit information. Their actions constitute violations of the Fair Credit Reporting Act and have caused me ongoing financial and emotional distress. I am requesting the Consumer Financial Protection Bureau to take appropriate enforcement action to compel TransUnion to fulfill its legal obligations, correct the errors, and ensure future compliance.

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