Consumer complaint received 2025-08-28 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: GA

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint regarding multiple inaccuracies and unauthorized items appearing on my consumer credit report. These errors are causing significant harm to my financial stability, my ability to obtain housing, employment, and credit opportunities. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report, and I request immediate assistance from the CFPB to investigate and enforce compliance with federal law. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Law : FCRA 602 ( A ), 609 ( A ), 611 ( A ) Issue : Inaccurately attached address Story : I have no relationship to this location. I did not reside here, sign leases, or receive services tied to this property. Reporting addresses I never lived at makes my credit profile unreliable and raises red flags about possible identity misuse. This creates unnecessary risk of fraud and damages my reputation as a responsible consumer. 

Address : XXXX XXXX XXXX XXXX, NV XXXX Law : FCRA 602 ( A ), 609 ( A ), 611 ( A ) Issue : Wrong address creating inaccurate residency history Story : I never lived here, and I never used this address for any accounts. Incorrect addresses make my file look inconsistent and can trigger denials during employment, housing, or lending background checks. Keeping it on my report paints a false picture of my life and financial activity. 

Account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 607 ( B ), 609 ( A ), 611 ( A ) Issue : Inaccurate late payment history on a {$0.00} balance account Story : It makes no sense for a closed account with a XXXX balance to continue reporting late payments. This is misleading because it shows delinquency even though there is no money owed. Lenders reviewing my file assume I defaulted, which unfairly harms my reputation and opportunities for credit approval. 

Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Law : FCRA 607 ( B ), 611 ( A ), 615 ( B ) Issue : Charge-off status inconsistent with {$0.00} balance Story : If the balance is {$0.00}, the account should not report as a charge-off. This is contradictory and misleading, creating the impression I defaulted when no debt remains. This unfairly damages my creditworthiness and misrepresents my financial behavior. 

Account : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$92.00} Collection * * Law : FCRA 607 ( B ), 611 ( A ), FDCPA 809 ( B ) Issue : Collection account reported without validation Story : I never received any written validation or original documentation proving this debt is mine. Under the FDCPA and FCRA, debt collectors must provide verification before reporting. Reporting a collection without proof is inaccurate, misleading, and harmful. This has caused me to be denied opportunities due to a small, unverified balance. 

Inquiry : XXXX XX/XX/XXXX Law : FCRA 604 ( A ), 609 ( A ), 611 ( A ) Issue : Unauthorized hard inquiry Story : I never gave XXXX permission to access my report. Hard inquiries impact my score and too many inquiries can make me appear risky to lenders. Since I did not apply with this company, the inquiry is unauthorized and must be deleted. 

Inquiry : XXXX XX/XX/XXXX Law : FCRA 604 ( A ), 609 ( A ), 611 ( A ) Issue : Inquiry conducted without consent Story : I did not apply for any credit with XXXX. This inquiry was done without authorization, damaging my score and violating my rights under the FCRA. I demand it be removed immediately. 

I am respectfully requesting that the Consumer Financial Protection Bureau ( CFPB ) step in to enforce my rights under the Fair Credit Reporting Act. These errors and unauthorized activities are severely harming my financial health, opportunities for credit, and overall quality of life. I am asking the CFPB to require the credit bureaus and furnishers to conduct a lawful reinvestigation, provide written proof of verification if they intend to continue reporting, or otherwise delete the inaccurate and unverifiable information immediately. My demand is for full compliance with FCRA, protection against future violations, and correction of all disputed items listed in this complaint.

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