Consumer complaint received 2025-10-13 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: MS

Complaint narrative:
b'I am submitting this formal complaint against multiple furnishers and credit reporting agencies for knowingly reporting inaccurate, unverifiable, and misleading information on my credit file. These false entries are causing me significant financial harm, damaging my credit reputation, and violating my rights under the Fair Credit Reporting Act (15 U.S.C.  1681 et seq.).\n\n1. Wrong Address Reporting\n\nThe following addresses are being reported inaccurately and do not belong to me:\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nThese false addresses misrepresent my identity and create the risk of fraudulent association.\n\n2. Accounts Reported with Errors / Unverified Debts\n\nThe following accounts are being reported incorrectly, either as charge-offs, late payments, or collections, and have not been properly verified:\n\XXXX XXXX XXXX  Opened XXXX   Charge Off\n\nXXXX XXXX XXXX XXXX  Opened XXXX  Charge Off\n\nXXXX XXXX XXXX  Opened XXXX   Late Payment\n\nXXXX XXXX XXXX XXXX  Opened XXXX   Charge Off\n\nXXXX XXXX XXXX  Opened XXXX  Late Payment\n\nXXXX XXXX XXXX XXXX  Opened XXXX  Late Payment\n\nXXXX XXXX XXXX  Opened XXXX  Late Payment\n\nXXXX XXXX XXXX XXXX  Opened XXXX   Late Payment\n\nXXXX XXXX XXXX XXXX  Opened XXXX  Collection\n\nI XXXX XXXX XXXX XXXX   Opened XXXX  Collection\n\nXXXX XXXX XXXX   Opened XXXX  Collection\n\nEach of these entries is being reported as derogatory despite lack of verification. Several appear to be outdated, inaccurate, or incomplete, directly violating FCRA Sections 604, 609, 611, and 623 regarding permissible purpose, consumer disclosure, dispute investigation, and furnisher accuracy obligations.\n\n3. Unauthorized/Excessive Inquiries\n\nThe following inquiries were made without my consent or permissible purpose under the FCRA:\n\nXXXX XXXXn\nTXXXX XXXX XXXX\n\nXXXX XXXX\n\nXXXX XXXX\n\nXXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX\n\nXXXX XXXX XXXXn\nThese inquiries were made without my authorization and are unlawfully damaging my credit profile.\n\nRelief Requested\n\nI request that the CFPB:\n\nInvestigate these inaccurate, unverified, and unauthorized entries.\n\nHold the furnishers and reporting agencies accountable for FCRA violations.\n\nRequire the immediate deletion or correction of the above-mentioned inaccurate accounts, addresses, and inquiries from my credit reports.\n\nEnsure all reporting agencies provide me with an updated, corrected credit file once the deletions are complete.\n\nThe continuous reporting of false, unverified, and damaging information is not only unlawful but also unfairly hinders my ability to obtain credit, housing, and financial stability. I respectfully request your immediate intervention to enforce compliance and protect my consumer rights.'

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