Consumer complaint received 2025-11-21 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 submitting this formal complaint regarding multiple inaccurate, unverified, and misleading items that are currently appearing on my credit reports. These errors are causing significant harm to my creditworthiness, and despite attempts to resolve them with the reporting furnishers and credit bureaus, the issues remain unresolved. 

Below are the specific inaccuracies : XXXX. WRONG / INCORRECT ADDRESS REPORTING The following address is being reported on my credit file, which I have never lived at and have no knowledge of : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX WRONG ADDRESS This is a clear violation of FCRA 607 ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy. I request an immediate investigation and removal of this incorrect address. 

XXXX. CHARGE-OFF ACCOUNTS I HAVE NO KNOWLEDGE OF As per my preference and under my rights, I am stating the following clearly : These accounts are being reported as charge-offs, but I have no knowledge of these accounts, did not authorize them, and they must be deleted if they can not be fully verified with proper documentation : XXXX  XXXX XXXX High Balance : {$11000.00} | Opened : XX/XX/XXXX XXXX/XXXX  XXXX High Balance : {$2200.00} | Opened : XX/XX/XXXX Under FCRA 602 and 609 ( a ), I demand proof of these accounts, including complete account-level documentation with my signature. If such documentation can not be produced, I request deletion. 

XXXX. LATE PAYMENT REPORTING THAT IS INACCURATE In accordance with my stated preference for all future letters : I assert that these reported late payments are inaccurate and incorrect, because I have never made a late payment on these accounts, and the reported account history is wrong. 

XXXX XXXX High Balance : {$990.00} | Opened : XX/XX/XXXX XXXX  XXXX XXXX High Balance : {$90000.00} | Opened : XX/XX/XXXX Under FCRA 611, I request a reinvestigation and correction of these inaccurate payment histories. 

XXXX. MULTIPLE UNAUTHORIZED & EXCESSIVE HARD INQUIRIES The following inquiries were NOT authorized by me. I did not provide written or verbal consent for these companies to access my credit reports. These inquiries are harming my score and violate FCRA permissible purpose rules. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX inquiries ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request immediate removal of these unauthorized inquiries pursuant to FCRA 604. 

Requested Action from CFPB I am requesting that the CFPB : Initiate a full investigation into the above reporting issues. 

Require the credit bureaus and furnishers to provide documentation validating the disputed items. 

Order removal of any item that can not be fully verified with proper proof. 

Ensure compliance with FCRA accuracy and permissible-purpose standards. 

These errors continue to cause financial harm, credit denials, and emotional distress. I am exercising my full rights under the FCRA and expect corrective actions. 

Thank you for your assistance in resolving 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