Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint to report serious and repeated violations of my consumer rights by credit reporting agencies and data furnishers. The following inaccurate and damaging items are being reported on my credit file despite being false, unverifiable, or outright misrepresented. I have disputed these items multiple times, but they continue to remain on my credit report without correction or resolution. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address Issue : This address also appears in my credit report even though I have never lived at this location. 
Law : Under FCRA Section 611 ( a ), a consumer has the right to dispute any inaccurate information on their credit report. 
Story : During a car loan application verification last year, I was repeatedly questioned about this address, which caused harassment and damaged my client relations. 
Demand : Remove this incorrect address from my credit report immediately and ensure my identity is properly safeguarded. 

XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$67.00} Issue : This XXXX XXXX account does not match my current address or identity ; it has been wrongly reported due to the credit reporting agency 's negligence. 
Law : Both FCRA and FDCPA require that no charge-off be added to anyone 's credit report without proper evidence and verification. 
Story : Even though the charge-off amount is small, it has significantly impacted my credit score. On inquiry, I found the account matched an old address where I never lived, showing identity confusion or reporting error. I demand swift investigation and correction. 

XXXX XXXX XXXX Account XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$410.00} Issue : The same debt has been reported XXXX. The account numbers are similar, but the data is duplicated, XXXX with my knowledge and a wrong address, which is incorrect and illegal. 
Law : According to FCRA, such duplicate reporting must be meticulously corrected. 
Story : The same address is being reported twice, unnecessarily lowering my credit score. These entries were made without my consent or notification. Both reports must be scrutinized and accurate information retained. 

XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$190.00} Issue : Recent collection entry, but I never held any bill or loan under this account. The addresses and dates shown in the report are not aligned with the facts. 
Law : Under XXXX, any unauthorized or inaccurate information must be promptly removed. 
Story : A recent hard inquiry revealed a new collection entry from XXXX XXXX that does not match my name or address, proving grave negligence in data verification. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Same as previous XXXX  XXXX, unauthorized. 
Law : Breach in identity and consent verification. 
Story : Unjustified. 

XXXX XX/XX/XXXX Issue : City/government-related but no authorization given. 
Law : Written authorization is essential.

Story : Bureau mistake. 

XXXX XXXXXX/XX/XXXX Issue : Inquiry from an unfamiliar institution, irrelevant.

Law : No consent. 
Story : Impacting eligibility. 

XXXX XXXX XXXXXX/XX/XXXX Issue : Alternative identity or incorrect association. 
Law : Proper investigation is obligatory. 
Story : Disqualified or unauthorized effect. 

XXXX XX/XX/XXXX Issue : Old account, but unjustified new inquiry. 
Law : Bureau rules breached. 
Story : No request ever submitted. 

XXXX XX/XX/XXXX Issue : Duplicate XXXX entry. 
Law : No permissible intent. 
Story : Double-counted to my disadvantage. 

XXXX XX/XX/XXXX Issue : Duplicate, unnecessary inquiry. 
Law : Violation of FCRA. 
Story : Consumer loss. 

XXXX XXXX XX/XX/XXXX Issue : No application ever given, inquiry is unjustified. 
Law : Dispute is necessary. 
Story : Lowering credit score without cause. 

XXXXXXXX XXXX XXXXXX/XX/XXXX Issue : Inquiry added for unapplied loan. 
Law : Removable under FCRA. 
Story : My identity was misused. 

XXXX XXXXXX/XX/XXXX XXXX : No legitimate authorization. 
Law : Consumer investigation right act. 
Story : Unauthorized hard pull. 
Requested Relief : I am requesting XXXX XXXX immediate assistance to enforce my consumer rights and demand that the credit reporting agencies : XXXX. Delete the wrong addresses from my credit report. 
XXXX. Remove all inaccurate and duplicate accounts, especially from XXXX XXXX. 
XXXX. Update all accounts reflecting incorrect charge-offs and late payments, particularly where hardship or resolution existed. 
XXXX. Provide evidence of proper investigation and validation from data furnishers or delete the entries. 
XXXX. Ensure that all information on my credit file complies with FCRA, FDCPA, and all relevant consumer protection laws.

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