Consumer complaint received 2025-08-06 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:
I am writing this formal complaint to bring to the attention of the Consumer Financial Protection Bureau ( CFPB ) a series of serious violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite my numerous attempts to dispute and resolve multiple inaccuracies, incorrect information continues to appear on my credit report, including false addresses, late payments that I did not incur, charge-off entries that were never properly validated, and several unauthorized hard inquiries that were made without my consent or permissible purpose. I have contacted the major credit reporting agencies ( XXXX, XXXX, and TransUnion ) and the furnishers of these accounts, yet no valid proof or investigation results were provided. Therefore, I am requesting that the CFPB urgently intervene, initiate a full investigation, and compel the responsible parties to permanently delete these items from my credit report in accordance with the law. 
ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Law : FCRA 611 ( 15 U.S.C. 1681i ) Issue : Incorrect address not associated with me Story : This address does not belong to me and is not part of any application or account I've ever held. It must be removed immediately as its inclusion violates the accuracy requirement of my credit report XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX Law : FCRA 611 ( 15 U.S.C. 1681i ) Issue : Wrong address reporting Story : I never lived at or used this address in any financial activity. Its presence on my report is misleading and damages my credit profile XXXX XXXX XXXX, CA XXXX Law : FCRA 611 ( 15 U.S.C. 1681i ) Issue : False address reporting Story : I have no link to this address and believe it was reported in error. Please delete it from all records ACCOUNT XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX XXXX Law : FCRA 611 ; FCRA 607 ( b ) Issue : Late payment inaccurately reported Story : I dispute this late payment, as I was in communication with the creditor and made arrangements in good faith. This entry is harming my credit and must be corrected or removed XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Law : FCRA 611 Issue : Paid account still reflects derogatory mark Story : This account is paid in full and should not carry late payment history. The negative mark is outdated and damaging XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Law : FCRA 611 Issue : Late payment despite settled status Story : This account was closed and settled without any outstanding balance. Reporting late payment is unfair and misleading XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2200.00} XXXX XXXX Law : FCRA 611 Issue : Charged-off account requires verification Story : This account was disputed previously. I request proper verification as required by law, otherwise this charge-off must be deleted immediately XXXX XXXX Account # : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00XXXX XXXX XXXX Law : FCRA 611 Issue : Incorrect late payment Story : I was not late on this account, and no proof has been provided. I demand reinvestigation and deletion of this derogatory entry INQUIRY XXXX XXXX Date : XX/XX/XXXX Law : FCRA 604 Issue : Unauthorized hard inquiry Story : I did not authorize this credit inquiry. It was pulled without my consent and violates my rights XXXX Date : XX/XX/XXXX Law : FCRA 604 Issue : Unauthorized inquiry Story : I have no relationship with this entity and never gave permission for a credit pull XXXX  Date : XX/XX/XXXX Law : FCRA 604 Issue : Hard inquiry without permissible purpose Story : I never applied for any credit that day and did not consent to this pull XXXX XXXX XXXX Date : XX/XX/XXXX Law : FCRA 604 Issue : Inquiry performed without consent Story : This inquiry was done without a legitimate application or my authorization XXXX XXXX  Date : XX/XX/XXXX Law : FCRA 604 Issue : Illegally pulled credit Story : I have never initiated a relationship or request with this institution XXXX  Date : XX/XX/XXXX Law : FCRA 604 Issue : Inquiry is not authorized Story : I am not aware of any account or request tied to this inquiry XXXX XXXX Date XXXX XX/XX/XXXX Law : FCRA 604 Issue : No consent given for credit pull Story : This company had no reason to access my credit report The continued reporting of false addresses, inaccurate late payments, unverifiable charge-offs, and unauthorized credit inquiries is causing significant financial harm, XXXX XXXX  and reputational damage. These entries are not only misleading but also unlawful under multiple provisions of the Fair Credit Reporting Act. I have exhausted all direct options with the credit bureaus and furnishers, yet the information remains uncorrected. Therefore, I am requesting the CFPB to immediately investigate these violations, hold the responsible data furnishers and reporting agencies accountable, and compel them to remove all inaccurate and unauthorized entries listed in this complaint. I demand full compliance with the FCRA and the permanent correction of my credit report.

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