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: FL

Complaint narrative:
CFPB, I am filing this complaint regarding multiple inaccurate, fraudulent, and unauthorized items appearing on my credit report. These items have caused significant harm to my financial reputation, creditworthiness, and ability to obtain loans. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Consumer Financial Protection Act ( CFPA ), my rights are protected, and I am requesting a thorough reinvestigation and immediate correction of all inaccurate, unverifiable, and unauthorized items. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Wrong address, FCRA 1681e ( b ).

This property is unrelated to me. I have never lived or received mail here. Prior disputes regarding this address were ignored. The bureau failed to verify its
accuracy. Inclusion in my credit file is misleading. Reporting this address affects my creditworthiness. The continued reporting is negligent and unlawful under FCRA 1681e ( b ). This error exposes me to identity misattribution. I demand immediate deletion or correction. Accurate reporting is essential to maintain lawful credit reporting. 

XXXX XXXX XXXX XXXX, NY XXXX FCRA XXXX ( b ) inaccurate reporting of address. 
I have no connection to this address. It has never been associated with me in any capacity. Reporting it misrepresents my personal information. Prior disputes have not been properly addressed. The bureau failed to verify this item before reporting. Inclusion of this address in my credit file is misleading and harmful. It exposes me to potential identity issues. Reporting unverified addresses violates FCRA 1681e ( b ). Immediate reinvestigation and correction are required. This error negatively affects my credit and lending opportunities. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.0XXXX XXXX XXXX  I never incurred a charge-off with this account, and the furnisher has failed to provide proper verification. Prior disputes have been ignored or inadequately investigated, which violates FCRA 1681i and 1681s-2 ( b ). Reporting this account falsely misrepresents my creditworthiness, damages my credit score, and misleads lenders. No supporting documentation has been provided to prove this charge-off. The account does not belong to me or has been inaccurately reported. Continued reporting despite prior disputes is unlawful and negligent. Inclusion of this account in my credit report harms financial opportunities. Immediate deletion or correction is required to restore accuracy and comply with FCRA. Reporting unverified charge-offs creates personal and financial harm. This false reporting violates my legal rights. The bureau and furnisher are legally responsible to correct it. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} XXXX XXXX XXXXhis account has been previously disputed and no documentation has been provided to verify the debt or charge-off. I never incurred a valid charge-off, yet it continues to appear on my report. Reporting it falsely affects my credit profile, score, and access to financial opportunities. Furnisher failed to validate this account, violating FCRA 1681i and 1681s-2 ( b ). Prior reinvestigations were insufficient, and the continued presence of this item is misleading. Immediate deletion or correction is required. No evidence exists to substantiate the balance or charge-off. Continued reporting is unlawful and damages my creditworthiness. The bureau has a duty to investigate properly. Reporting unverified charge-offs is negligent. This false reporting has caused financial and personal harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00XXXX XXXX XXXX I never authorized or incurred this debt, yet it appears as a collection on my credit report. Furnisher has failed to provide verification. Prior disputes have not resulted in correction. Reporting this account misrepresents my credit obligations and harms my creditworthiness. No verified documentation exists to substantiate this collection. Continued reporting violates FCRA 1681i. The bureau failed to reinvestigate properly. Inclusion of this item misleads creditors and lenders. Immediate deletion or correction is required. Reporting unverified accounts is unlawful. This item negatively affects my credit profile. The false reporting has caused significant personal and financial harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never owed this debt and dispute its validity. Furnisher has not provided verification or supporting documentation. Reporting this collection violates FCRA 1681i and misrepresents my obligations. Prior disputes were ignored or inadequately addressed. Continued reporting negatively impacts my creditworthiness and financial opportunities. The bureau has a legal duty to reinvestigate disputed items thoroughly. Inclusion of unverified collections is misleading and unlawful. Immediate deletion or correction is required. Reporting unverified items violates FCRA 1681s-2 ( b ). This false reporting has caused personal and financial harm. My rights to accurate credit reporting are being violated. Legal compliance requires removal of this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$680.00} * * I dispute this account as it is inaccurate. No verified documentation exists to support the debt. Reporting it misrepresents my credit history and harms my credit profile. Furnisher has failed to reinvestigate properly despite prior disputes. Continued reporting violates FCRA 1681i and 1681s-2 ( b ). Inclusion of unverified collections is misleading and unlawful. Immediate deletion or correction is required. Reporting this account negatively affects financial opportunities. Prior reinvestigations were incomplete or insufficient. Reporting continues unlawfully. This item causes personal and financial harm. The bureau and furnisher have not complied with legal obligations. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1300.00} * * This account does not belong to me or has been misreported. Furnisher has failed to provide documentation to verify the charge-off. Reporting it falsely misrepresents my creditworthiness and harms my credit score. Prior disputes have been ignored or inadequately investigated. Reporting unverified charge-offs violates FCRA 1681i and 1681s-2 ( b ). Inclusion of this account misleads lenders and negatively affects financial opportunities. Immediate deletion or correction is required. No evidence exists to substantiate the balance. Continued reporting is unlawful. This false reporting has caused personal and financial harm. The bureau has a legal obligation to correct inaccuracies. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no connection to this account. Furnisher has failed to validate it. Reporting this collection is inaccurate, misleading, and violates FCRA 1681i and 1681s-2 ( b ). Prior disputes were ignored. Inclusion in my credit report misrepresents obligations and harms my creditworthiness. The bureau has a legal duty to reinvestigate disputed items. Immediate deletion or correction is required. Reporting continues without proper verification. This account negatively impacts financial opportunities and personal reputation. Continued reporting is unlawful. False reporting has caused personal and financial harm. Legal obligations require its removal. 

XXXX - XX/XX/XXXX I did not authorize this hard inquiry, yet it appears on my credit report. Reporting it without my consent violates FCRA 1681b, which requires permissible purpose for all credit checks. This inquiry negatively impacts my credit score and misrepresents my credit activity. Prior disputes regarding this inquiry have been ignored or inadequately addressed. The bureau failed to verify whether I authorized this inquiry before reporting it. Continued reporting is misleading to lenders and potential creditors. Unauthorized inquiries are unlawful and damage my financial opportunities. Immediate deletion or correction is required to comply with FCRA. Reporting this item without verification is negligent. The bureau and furnisher are legally obligated to remove unauthorized inquiries. 

XXXX XXXX XXXXXX/XX/XXXX I never authorized this hard inquiry, yet it is listed on my credit report. Reporting it without my consent violates FCRA 1681b and misrepresents my credit activity. This inquiry negatively affects my credit score and lending opportunities. Prior disputes regarding this item have been ignored or inadequately investigated. The bureau failed to verify whether I provided authorization before reporting. Continued reporting misleads lenders and harms my financial reputation. Unauthorized inquiries are unlawful and violate my rights under FCRA. Immediate deletion or correction is required. Reporting without proper verification is negligent and damaging. The furnisher and bureau are legally responsible to remove any unauthorized inquiries from my file. 

CFPB, I request your assistance in ensuring that all inaccurate, unverifiable, and unauthorized items are thoroughly investigated, corrected immediately, and that my credit report is fully accurate and compliant with federal law. I expect that all responsible parties will be held accountable and that corrective action will be taken to prevent future fraudulent reporting.

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