Consumer complaint received 2025-10-03 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: TX

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies on my credit reports, including wrong addresses, incorrectly reported late payments, and unauthorized hard inquiries. Despite my previous disputes and attempts to correct these issues, the inaccuracies continue to appear, negatively affecting my creditworthiness, financial reputation, and access to fair credit. I am requesting immediate intervention from CFPB to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and to restore accurate reporting on my credit files. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} This account is reported with late payments despite a zero balance, which is entirely false. Reporting a closed, zero-balance account with derogatory marks violates Section 607 ( b ) of the FCRA. It misrepresents my financial responsibility to lenders. Viewing this account, creditors may assume I failed to pay debts I do not owe. Section 611 requires proper verification of disputed information, which has not occurred. Reporting late payments falsely is harmful to my credit score and financial reputation. It affects my ability to obtain loans and favorable interest rates. Misreporting accounts is a violation of my consumer rights. There is no evidence supporting the reported late payments. Each day it remains causes continued harm. The account must be corrected or deleted immediately. Reporting it as delinquent is unlawful. I demand deletion to restore accuracy. Lenders rely on your reporting, and false data causes harm. Immediate action is required under federal law. 

XXXX XX/XX/XXXX XXXX I never authorized this inquiry. Section XXXX of the FCRA requires that all inquiries occur with consumer consent or permissible purpose. Reporting unauthorized inquiries lowers my XXXX XXXX and falsely suggests I sought credit. Section XXXX mandates reinvestigation of disputed items, which has not been properly conducted. Each day this inquiry remains causes financial harm and misrepresents my behavior. Unauthorized inquiries expose me to potential fraud. There is no proof I consented to this pull. Retaining it violates my privacy rights under federal law. This inquiry must be deleted immediately. Leaving it on my file is harmful, inaccurate, and unlawful. Section XXXX ( b ) requires maximum accuracy, which is not being followed. Lenders XXXX view this as excessive credit-seeking. The continued reporting is damaging and violates my rights. XXXX deletion is legally required. Failure to remove it demonstrates negligence. 

XXXX  XX/XX/XXXX XXXX This inquiry was never authorized by me. Section XXXX prohibits access without consent. Reporting unauthorized inquiries misrepresents my financial behavior and lowers my score. Section XXXX requires proper reinvestigation, which has not occurred. Unauthorized inquiries are violations of privacy and consumer rights. Each day it remains, it harms my creditworthiness. There is no verification from XXXX showing I consented. Leaving it on my file is misleading to lenders. This exposes me to potential fraud and credit misuse. Reporting unverifiable inquiries violates federal law. XXXX deletion is required. It misrepresents my financial activity. Section XXXX ( b ) mandates accuracy, which is not being met. Failure to act violates my FCRA rights. I demand permanent removal. 

XXXX XXXX XX/XX/XXXX Inquiry I did not authorize this inquiry. Section XXXX requires consent or permissible purpose. Reporting it without authorization is unlawful. It reduces my XXXX XXXX and misrepresents my credit-seeking behavior. Section XXXX requires proper reinvestigation, which has not been done. Multiple inquiries from the same creditor on this date compound the harm. Unauthorized inquiries are a violation of my rights. Each day it remains, it damages my financial reputation. There is no proof of consent. The law mandates deletion if unverifiable. Leaving it on my file violates federal law. XXXX removal is required. Reporting this inquiry harms lenders perception of me. Section XXXX ( b ) requires accuracy. Failure to remove it is noncompliance. 

In conclusion, the continued reporting of inaccurate addresses, falsely reported late payments, and unauthorized inquiries is causing measurable harm to my creditworthiness and financial opportunities. I request CFPB XXXX to ensure that all credit reporting agencies and furnishers comply with FCRA Sections XXXX, XXXX, XXXX, and XXXX, correct all inaccuracies immediately, and provide written confirmation of all completed actions. The protection of my legal rights and accurate credit reporting is of utmost importance, and I expect prompt resolution of these issues.

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