Consumer complaint received 2025-07-15 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 a formal complaint regarding numerous inaccuracies on my credit report which are severely impacting my creditworthiness. These include an inaccurate address, multiple accounts showing erroneous late payments, XXXX collection not belonging to me, and unauthorized hard inquiries. I have attempted to resolve these issues directly with the credit reporting agency, but they failed to properly reinvestigate. I request that the Consumer Financial Protection Bureau intervene and ensure these errors are removed under applicable laws XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Address LAW FCRA Section 607 ( b ) ISSUE Credit bureaus must follow reasonable procedures to assure maximum possible accuracy STORY I have never lived at this address and have no connection to it I believe this may be due to a mixed file or clerical error This false address is damaging my credit profile and misrepresents my identity I request this address be immediately deleted from my credit file XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late Payment LAW FCRA Section 609 ( a ) ( 1 ) ISSUE Consumers have the right to request full verification of any account reported STORY This late payment is not accurate to my payment history I have always made on-time payments to XXXX XXXX  and was never notified of any delinquency I request that you validate this late payment with full documentation or remove it from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} Late Payment LAW FCRA Section 611 ISSUE Credit bureaus must reinvestigate disputed items and delete any unverifiable data STORY I was never late on this XXXX XXXX XXXXXXXX account and received no communication to suggest otherwise This could be a result of misreporting and should be reinvestigated and removed if not fully verified with written evidence XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} Late Payment LAW FCRA Section 602 ( A ) ISSUE Consumers must be treated fairly and protected from inaccurate reporting STORY I dispute the accuracy of this late payment as I never missed any due dates on this account The report likely contains outdated or incorrect information that must be corrected or deleted after full reinvestigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$38.00} Late Payment LAW FCRA Section 609 ( a ) ( 1 ), Section 611 ISSUE Consumers can dispute any inaccurate item and request validation STORY I did not miss a payment on this account and have no record of delinquency This late payment appears to be an error and should be verified with supporting documentation from the original creditor or permanently removed XXXX XXXXXXXX XXXX XXXX XXXX  * Date Opened XX/XX/XXXX Balance {$140.00} Late Payment LAW FCRA Section 611 ( a ) ( 5 ) ISSUE Unverifiable items must be removed from a consumers credit file STORY This account shows a late payment that is not accurate I was enrolled in autopay and had sufficient funds to cover all charges I believe this to be an internal error and request prompt reinvestigation and deletion if no valid proof is available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance {$1000.00} Late Payment LAW FCRA Section 607 ( b ), Section 611 ISSUE Maximum possible accuracy and verifiable data are legally required STORY I was never late on this account and have no notice of missed payments This negative reporting is harming my credit score without cause and I am requesting that the bureau verify its accuracy or delete it as required by law XXXX XXXX XXXX ( Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$150.00} Collection LAW FDCPA Section 809, FCRA Section 611 ISSUE Collection accounts must be validated upon request or deleted STORY I have no knowledge of this debt and have never received any communication from the collection agency or original creditor No documentation has been provided to validate this debt I request deletion of this collection item if validation is not submitted immediately XXXX XXXX XXXXXX/XX/XXXX Inquiry LAW FCRA Section 604 ( a ) ( 3 ) ISSUE Hard inquiries require explicit written or electronic consent STORY I never applied for credit or mortgage services with XXXX XXXX and did not authorize this inquiry This unauthorized hard pull is damaging my credit and must be removed for violating permissible purpose standards XXXX XXXX XX/XX/XXXX Inquiry LAW FCRA Section 604 ISSUE All credit inquiries must be tied to a valid consumer-initiated transaction STORY I did not authorize any service or credit application that would allow XXXX to pull my credit This inquiry was unauthorized and unpermitted I request immediate removal of this entry XXXX XXXX XX/XX/XXXX Inquiry LAW FCRA Section 604 ISSUE Inquiries made without consumer consent violate FCRA STORY I do not recognize this inquiry and never gave consent to XXXX XXXX to pull my credit This is a clear breach of my privacy rights under federal law and I request its deletion immediately XXXX XXXXXX/XX/XXXX Inquiry LAW FCRA Section 604 ( a ) ( 3 ) ( A ) ISSUE Inquiries without a valid application or written permission are not allowed STORY I did not apply for credit at XXXX or with XXXX XXXX and this inquiry was done without my knowledge It negatively impacts my credit and must be removed for lacking proper authorization I request immediate investigation into all the items listed above. Please ensure the credit bureaus comply with all applicable provisions under the Fair Credit Reporting Act and remove any and all inaccurate, unverified, or unauthorized items. I am attaching my ID and proof of address with this complaint for verification

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