Consumer complaint received 2025-10-02 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 to formally dispute multiple inaccuracies, fraudulent accounts, and unauthorized inquiries on my credit report that have caused severe harm to my financial reputation, creditworthiness, and personal security. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., which requires credit reporting agencies to ensure that all reported information is accurate, complete, and verifiable. Repeated reporting of accounts, late payments, charge-offs, and inquiries without my knowledge or authorization constitutes serious violations, resulting in undue stress, potential financial loss, and risk of identity theft. 
Incorrect Addresses Reported on My Credit Report : XXXXXXXX XXXX XXXX XXXX XXXXXXXX This address has never been associated with me. Its inclusion on my credit report raises serious concerns about identity theft and fraudulent reporting. I have never lived at this location, received mail there, or authorized any financial activity linked to this address. The presence of this false information could mislead lenders into believing I have residential instability or financial issues, potentially impacting my ability to obtain loans or housing. It is critical that this inaccurate entry be removed immediately. 
XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I have no connection whatsoever to this address. Its appearance on my report is misleading, may suggest fraudulent activity, and inaccurately reflects my residential history. This false entry has caused me anxiety, as it could be misinterpreted by creditors or landlords as an address associated with me. Reporting this address violates FCRA Section 1681i, and I demand its immediate correction. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I have never resided at this location, nor have I authorized any accounts or financial activity linked to it. Its reporting is a direct misrepresentation of my personal history and risks undermining my credibility with financial institutions. The inaccurate association of this address with my identity is unacceptable and must be corrected without delay. 
Disputed Accounts : XXXX XXXX XXXX Account XXXX XXXX  High Balance : {$510.00} | Date Opened : XX/XX/XXXX | Reported as Late Payment I have never made a late payment on this account. Reporting it as late is factually incorrect and misrepresents my financial responsibility. This inaccurate reporting affects my credit score, potentially increasing my interest rates and limiting access to new credit. I request that this account be corrected to reflect accurate, timely payment history, as required under FCRA Section 1681i ( a ). 
XXXX XXXX Account XXXXXXXX XXXX XXXX  High Balance : {$10000.00} | Date Opened : XX/XX/XXXX | Reported as Charge Off I have no knowledge of this account. I never opened, authorized, or received services for it. Reporting it as a charge-off is fraudulent, damaging my credit score, and exposes me to potential legal and financial consequences. This account must be immediately deleted from all credit reporting agencies, as its reporting is unauthorized and invalid. 
XXXX / XXXX Account XXXXXXXX XXXX High Balance : {$3200.00} | Date Opened : XX/XX/XXXX | Reported as Charge Off I have no knowledge of this account. I never opened, authorized, or received services linked to it. Reporting it as a charge-off is fraudulent, misrepresents my financial history, and damages my credit score. Its inclusion exposes me to unnecessary financial and legal risks. I demand immediate deletion from all credit reporting agencies. 
XXXX XXXX Account XXXX High Balance : {$53.00} | Date Opened : XX/XX/XXXX | Reported as Collection I have never been responsible for this account. The collection status is inaccurate and unauthorized, falsely suggesting delinquency on my part. Its presence on my credit report is harmful and must be corrected immediately. 
Unauthorized Inquiries : XXXX XXXX XXXXXX/XX/XXXX This inquiry was made without my consent or knowledge. Unauthorized inquiries violate my rights under FCRA Section 604 ( a ) and can negatively affect my credit score. I demand that this inquiry be removed immediately. 
XXXX  XX/XX/XXXX I did not authorize this inquiry. Its reporting is misleading and constitutes a violation of my consumer rights. Removal is required immediately. 
XXXX XXXX XX/XX/XXXX This inquiry was not initiated or approved by me. Its presence is fraudulent and must be deleted. 
XXXX XXXX XXXXXX/XX/XXXX I have no knowledge of this inquiry. Unauthorized reporting is a direct violation of FCRA and must be corrected. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry. I did not approve or request this access. Delete immediately. 
XXXX XXXX XX/XX/XXXX I have no knowledge of this inquiry. Reporting it without my consent is a violation of FCRA. Immediate removal is required. 
These inaccurate accounts and unauthorized inquiries are causing measurable harm to my credit profile, financial opportunities, and personal security. They may indicate potential identity theft or fraudulent activity that requires urgent investigation. I request the CFPB to take immediate action to compel all reporting agencies to investigate, correct, or delete these entries and provide written confirmation that these corrections have been completed. 
I further request documentation of any verification the reporting agencies claim to have obtained regarding these accounts and inquiries. I expect a full resolution in compliance with FCRA, including permanent corrections to prevent future misreporting. 
I certify under penalty of perjury that the information provided herein is accurate to the best of my knowledge.

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