Consumer complaint received 2025-10-01 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 filing a formal complaint regarding multiple inaccurate entries on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and relevant state consumer protection laws, I request an immediate investigation, correction, or deletion of the following items. I have no knowledge of or authorization for these accounts or inquiries. Reporting inaccurate information violates federal law, damages my credit, and affects my financial opportunities. 
XXXX XXXX XXXX XXXX, CA XXXX Wrong Address This address is incorrectly listed on my credit report. I have never resided at this location nor authorized its use for any financial accounts. The inclusion of this false address creates confusion, potential identity risk, and misrepresentation of my residence history, which is a direct violation of 15 U.S.C. 1681e ( b ) requiring accurate reporting. I demand immediate removal of this incorrect address. 
XXXX XXXX XXXX XXXX, CA XXXX Wrong Address This address is also incorrectly reported. I have no connection with this property and have never used it for credit applications. The false reporting of addresses can negatively impact my credit score, mislead lenders, and expose me to fraud risk. This misreporting is unacceptable and must be corrected immediately under FCRA 1681i ( a ). 
XXXX XXXX High Balance : {$870.00} Date Opened : XX/XX/XXXX Late Payment I have never made any late payments on this account, nor do I recognize this account. The reporting of late payments without validation is a clear violation of FCRA 1681s-2 ( b ). Misreporting payment history harms my credit profile and misleads creditors. I request immediate correction of this accounts status to accurately reflect my non-existent delinquency. 
XXXX XXXX XXXXXXXX High Balance : {$470.00} Date Opened : XX/XX/XXXX Late Payment This account is inaccurately listed as having late payments. I have no record of opening or transacting on this account. Reporting false delinquencies is misleading, damages my credit, and constitutes noncompliance with FCRA 1681i ( a ) ( 1 ). I demand verification and correction or deletion of this account. 
XXXX XXXX High Balance : {$7600.00} Date Opened : XX/XX/XXXX Late Payment I have never been late on any payment for this account. Reporting inaccurate late payment history constitutes a violation of FCRA 1681i and 1681s-2 ( b ), and it misrepresents my financial responsibility. I demand prompt correction of this status to accurately reflect my payment history. 
XXXX XX/XX/XXXX XXXX I did not authorize this inquiry. Unauthorized hard inquiries are a violation of 15 U.S.C. 1681b and can negatively impact my credit score. I request removal of this inquiry immediately. 
XXXX XX/XX/XXXX XXXX This inquiry is unauthorized. Reporting unauthorized inquiries harms my credit report and violates FCRA 1681b. Immediate removal is demanded. 
XXXX XXXX XX/XX/XXXX Inquiry I never authorized this inquiry. Unauthorized inquiries create a misleading credit profile and violate federal law. I demand deletion. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry I did not authorize this inquiry. Including unapproved inquiries is a violation of FCRA 1681b and must be removed promptly. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry I did not authorize this inquiry. Reporting unauthorized inquiries violates FCRA 1681b and can negatively impact my score. Corrective action is demanded immediately. 
XXXX XX/XX/XXXX Inquiry Unauthorized inquiry. I have no connection with this creditor. FCRA 1681b mandates removal of such entries. 
XXXX  XX/XX/XXXX Inquiry Unauthorized inquiry. I have no relationship with this creditor. This entry must be removed to comply with FCRA 1681b. 
XXXX XX/XX/XXXX Inquiry This inquiry was not authorized by me. Reporting unapproved inquiries harms my credit profile. Immediate deletion is requested. 
XXXX XXXX XX/XX/XXXX Inquiry Unauthorized inquiry. Inclusion of this entry without consent is unlawful under FCRA 1681b. Corrective action is demanded. 
XXXX XX/XX/XXXX Inquiry I did not authorize this inquiry. Reporting unauthorized inquiries violates federal law. I demand immediate removal. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry is unrecognized and unauthorized. Reporting it falsely affects my creditworthiness. Deletion is required immediately. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry I never authorized this inquiry. Including it violates FCRA 1681b and misrepresents my credit profile. I demand prompt deletion. 
I request that all above items be fully investigated, corrected, or deleted, and that I receive written confirmation of the results. I reserve all rights to escalate this complaint to federal and state regulators and to pursue legal remedies if these inaccuracies are not corrected promptly.

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