Consumer complaint received 2025-09-22 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:
To Whom It May Concern, I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), because multiple accounts on my credit report are being reported inaccurately as charge-offs, late payments, or collections. These false entries have caused significant harm, including denials of loans, higher interest rates, inability to secure housing, and emotional distress. I request an immediate investigation, correction, and deletion of all inaccurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This address is falsely reported as belonging to me, but I have never lived there and have no connection to this property. Under FCRA 1681e ( b ), consumer reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy of the information. Reporting an address that is not mine is negligent, misleading, and creates confusion when creditors verify my identity. This also opens the door to potential mixed files or identity theft concerns, which is a serious violation of my rights XXXX XXXX XXXX Account XXXX Date Opened XXXX XXXX, XXXX Balance {$2800.00} This account is being falsely reported as a collection. I dispute the accuracy of this tradeline because I have not received any validation of debt, no notice of default, and no lawful collection documentation. Reporting this account as a collection is a violation of FCRA 1681s-2 ( a ) which prohibits furnishing inaccurate information. Additionally, under FCRA 609 ( a ), I am entitled to receive all verification and complete account information, which has not been provided to me. The false collection reporting has already harmed me by lowering my credit score and leading to denials for credit and financing opportunities. I demand immediate deletion or verified proof under the law XXXXXXXX XXXX Inquiry XX/XX/XXXX This inquiry is inaccurate and unauthorized. I had no active application or credit request with XXXXXXXX XXXX on this date. Pulling my credit without permissible purpose constitutes a violation of FCRA 604 and amounts to an invasion of my privacy rights protected under federal law XXXX Inquiry XX/XX/XXXX I dispute this inquiry as I did not authorize XXXX XXXXXXXX to access my credit file. This is a violation of FCRA 604 because there was no legitimate business need for this inquiry. This action has injured me by creating a false record of excessive credit applications, damaging my creditworthiness and reputation XXXX XXXX Inquiry XX/XX/XXXX This inquiry was reported without my knowledge or authorization. I had no dealings with XXXX XXXX on this date. FCRA 604 strictly prohibits unauthorized pulls. This false record misrepresents me as a risky borrower and is harming my ability to secure fair credit terms XXXX XXXX Inquiry XX/XX/XXXX This inquiry is unauthorized. I had no application with XXXX XXXX on this date, and they had no permissible purpose under FCRA 604 to pull my credit file. This entry is inaccurate and must be removed immediately Conclusion All accounts listed above are inaccurate, misleading, duplicative, or unverifiable. I demand immediate correction or deletion of all false entries in compliance with FCRA and FDCPA. Failure to resolve these inaccuracies may result in legal escalation.

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