Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding multiple inaccurate and unauthorized items appearing on my credit report. These include a wrong address, fraudulent accounts, and hard inquiries that I never authorized. I am a victim of identity theft and demand a full investigation and removal of the following entries. I believe these violations fall under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and I request immediate action.

Accounts : XXXX XXXX XXXX XXXX  High Balance : {$870.00} Date Opened : XX/XX/XXXX Late Payment Issue : I did not authorize this account, and I have no knowledge of this relationship. This account was fraudulently opened or falsely reported under my name.

Law : As per FCRA 1681c-2 ( Blocking of information resulting from identity theft ), I have the right to request the permanent removal of this account.

Story : I have been a victim of identity theft and have already placed fraud alerts and security freezes on my file. This account has severely impacted my creditworthiness due to reported delinquencies. I demand this account be thoroughly investigated and removed immediately. 
XXXX XXXX XXXX XXXX  High Balance : {$520.00} Date Opened : XX/XX/XXXX Chargeoff Issue : I do not recognize this account and have never opened any XXXX  XXXX account with this account number. This entry appears to be fraudulent.

Law : Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate.

Story : The charged-off status has unfairly damaged my credit score and my financial reputation. I am already dealing with the fallout of identity misuse. I request full deletion of this false account from my report after your investigation. 
Hard Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX Issue : I have no relationship with XXXX XXXX. This inquiry is unauthorized and suspicious. 
Law : This is a violation under the FCRAs guidelines on permissible access to consumer reports.

Story : My credit is being accessed without consent, indicating continued misuse of my identity. 
XXXX XXXX XXXX Date : XX/XX/XXXX Issue : This company pulled my credit without permission or any application from me.

Law : Under FCRA 1681b ( a ), this constitutes an impermissible inquiry and must be removed.

Story : This is a clear sign of identity theft. Multiple inquiries on the same day further suggest someone attempted to fraudulently obtain financing using my identity.

Relief Sought : Immediate deletion of the wrong address from my credit report Removal of the XXXX XXXX and XXXX  XXXX accounts Deletion of all five unauthorized hard inquiries listed above Investigation and confirmation of the steps taken by all involved entities Written confirmation and clean copies of my updated credit reports This situation is causing me severe emotional and financial distress. I have already placed fraud alerts and security freezes to protect myself. I respectfully urge the Consumer Financial Protection Bureau to intervene and ensure my rights under the FCRA are protected.

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