Consumer complaint received 2025-07-26 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: NV

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to dispute and request a thorough investigation into multiple inaccurate, unfair, and outdated negative items currently being reported on my credit file. These items are having a severe impact on my creditworthiness and overall financial stability. Despite my good faith efforts to resolve these issues directly with the credit bureaus and furnishers, the following accounts remain inaccurately reported. These actions are in direct violation of my consumer rights as protected under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I now request CFPBs support in holding the involved parties accountable and correcting these harmful errors. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Wrong Address Issue : This address is inaccurate and never associated with me Law : FCRA 1681e ( b ) bureaus must ensure accuracy of consumer data Story : I never lived at or used this address in any financial dealings. Its presence damages my identity profile and falsely connects me with obligations or behavior unrelated to me XXXX XXXXXXXX XXXX XXXX XXXX Wrong Address Issue : This address does not match my residential history Law : FCRA 1681i consumer has the right to dispute and request reinvestigation Story : I have no ties to this location, and its reporting may lead to mistaken identity or misattributed debt, which is harmful to my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Issue : Account is paid but still reflects late payments Law : FCRA 1681s-2 ( a ) ( 1 ) ( B ) prohibits furnishing inaccurate info knowingly Story : I paid this account in full and on time. Any reported late payment is a mistake and harms my history unfairly XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff Issue : Charge-off listed without full validation Law : FCRA 1681i and FDCPA 809 Story : I was not notified properly of this charge-off and have not received any documentation proving its validity. I dispute the amount and status XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Issue : Insurance collection not properly validated Law : FCRA 1681b and FDCPA 809 Story : I was never informed of this collection, and no breakdown of the balance was ever provided. I dispute this until full validation is received XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection Issue : No initial contact, validation, or billing Law : FDCPA 809, FCRA 1681i Story : I have not received any communication or statements regarding this debt. It suddenly appeared and negatively affected my score XXXX XXXX XX/XX/XXXX Inquiry Issue : No credit request submitted by me Law : FCRA 604 Story : I never authorized XXXX XXXX  to access my report. I ask for its removal XXXX XXXX XX/XX/XXXX Inquiry Issue : Repeated inquiry from same institution Law : FCRA 604 Story : XXXX  XXXX is showing twice on my report without my consent. This needs correction XXXX XX/XX/XXXX Inquiry Issue : Inquiry made by an unknown third-party Law : FCRA 604 Story : I never worked with this company. This inquiry is unauthorized XXXX XX/XX/XXXX Inquiry Issue : Unapproved inquiry Law : FCRA 604 Story : I did not engage in any loan application with this company. This inquiry must be removed XXXX  XXXX XXXX XX/XX/XXXX Inquiry Issue : Duplicate XXXX XXXX XXXX : FCRA 604 Story : A second inquiry from XXXX was recorded on the same date, which is erroneous and harmful These inaccurate, unverifiable, and damaging items are causing unnecessary distress and financial consequences. I respectfully urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and conduct a full investigation into the reporting practices related to the above accounts. I request that the CFPB ensure the credit bureaus and data furnishers comply with federal law and either verify the accuracy of these items with full documentation or delete them from my credit report immediately. Thank you for your attention and swift action in helping restore the fairness and accuracy of my credit file.

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