Consumer complaint received 2025-08-29 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: SC

Complaint narrative:
b'To the Consumer Financial Protection Bureau (CFPB), I am filing this complaint regarding multiple inaccuracies and unauthorized items appearing on my consumer credit report. These errors are causing significant harm to my financial stability, my ability to obtain housing, employment, and credit opportunities. Under the Fair Credit Reporting Act (FCRA), I have the right to an accurate credit report, and I request immediate assistance from the CFPB to investigate and enforce compliance with federal lawXXXX XXXX XXXX XXXX XXXX XXXX: I have never lived at or used this address, yet it is being reported as connected to me. This creates the false appearance that I am associated with a residence I have no connection to, which may also link me to accounts or activity that are not mine. This is misleading and creates risk of identity confusion.\nIssue: Reporting of a wrong address that does not belong to me.\nLaw: FCRA 15 U.S.C. 1681i requires maximum possible accuracy in credit reporting. Continued reporting of this false address violates this obligationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: This address is another example of inaccurate reporting. I have no history tied to this address and it is falsely attached to my profile. This type of error raises the possibility of identity theft or file mixing, which unfairly harms my credit profile.\nIssue: Inaccurate reporting of a wrong address.\nLaw: Under FCRA 15 U.S.C. 1681e(b), credit reporting agencies must maintain procedures to assure maximum possible accuracy. This wrong address clearly violates that requirementXXXX XXXX XXXX XXXX XXXX Date Opened: XXXX   Late Payment\nStory: This account is being reported with late payments that I dispute as inaccurate. I have not received any verified proof of delinquency. The presence of false late payments unfairly damages my payment history and lowers my score, which impacts my ability to obtain fair credit opportunities.\nIssue: Reporting of unverifiable and inaccurate late payments.\nLaw: FCRA 15 U.S.C. 1681s-2 requires furnishers to provide accurate information, and failure to do so is a violatioXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off\nStory: This account is showing as a charge off even though I have no recollection of authorizing this account or being presented with validation of the debt. A charge off is a serious negative mark, and if not supported with complete and accurate documentation, it cannot lawfully remain on my file.\nIssue: Reporting of an unverifiable charge off.\nLaw: Under the FDCPA and FCRA 15 U.S.C. 1681e(b), unverified and inaccurate reporting must be deleted.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is also showing a charge off, but no proper validation of the debt or ownership has been provided. Without proof of contract, original creditor records, or payment history, the reporting of this account is misleading and harmful.\nIssue: Charge off account reported without proper verification.\nLaw: FCRA 15 U.S.C. 1681e(b) requires accuracy, and debts that cannot be validated must be removedXXXX XXXX  High BalanceXXXX XXXX  Date Opened: XXXX   Late Payment\nStory: This account is showing late payments that I strongly dispute. I have not been given any proof that such delinquencies occurred. Reporting late payments without documentation misrepresents my credit behavior and damages my reputation as a responsible consumer.\nIssue: Inaccurate late payment reporting.\nLaw: FCRA 15 U.S.C. 1681s-2 requires accurate furnishing of information.XXXX XXXX High Balance: XXXX Date Opened: XXXX  Collection\nStory: This collection account is being reported even though I have no knowledge of this debt. No original creditor documentation or signed agreement has been shown to me. A collection with no validation is false and unfairly damages my credit.\nIssue: Collection account reported without validation.\nLaw: FDCPA and FCRA both require debts to be validated before reporting; otherwise, they must be deleted.\nXXXX XXXX  High Balance: $XXXX  Date Opened: XXXX   Collection\nStory: This is another collection account that I dispute. I have never received proof or validation of this debt. It is reported in violation of my rights and causes serious harm to my credit standing. Without validation, this item cannot legally remain.\nIssue: Inaccurate and unvalidated collection account.\nLaw: FCRA 15 U.S.C. 1681i requires reinvestigation of disputed items, and unverifiable items must be XXXX XXXX This inquiry appears on my report without my authorization. I did not apply for credit or grant permission to this company, yet my file shows this hard inquiry. This damages my score unfairly.\nIssue: Unauthorized inquiry.\nLaw: FCRA 15 U.S.C. 1681b requires permissible purpose for inquiries.XXXX XXXX I never authorized this inquiry. It was done without my knowledge, and therefore it is reported unlawfully.\nIssue: Inaccurate and unauthorized inquiry.\nLaw: FCRA requires consumer consent for credit pullXXXX XXXX: This inquiry was not made with my permission. Reporting such inquiries without proper authorization is misleading and unlawful.\nIssue: Unauthorized credit inquiry.\nLaw: FCRA 15 U.S.C. 1681b prohibits inquiries without permissible purposeXXXX XXXX XXXX: This inquiry was not authorized by me and should not appear on my report. Unauthorized inquiries reduce my credit score unfairly.\nIssue: Unpermitted inquiry.\nLaw: FCRA demands accuracy and permissible purpose for all inquirieXXXX XXXX This is another unauthorized inquiry that I dispute. I did not consent to this and it must be removed.\nIssue: Unauthorized credit inquiry.\nLaw: FCRA 15 U.S.C. 1681b appliesXXXX XXXX This inquiry appears on my report even though I never applied for any account with XXXX This is harmful and violates my rights.\nIssue: Inaccurate unauthorized inquiry.\nLaw: FCRA protects consumers from inquiries without permission.\n\nXXXX XXXX I never gave consent for this inquiry. Its presence is damaging to my creditworthiness and is unlawful.\nIssue: Unauthorized inquiry.\nLaw: FCRA 1681b requires a permissible purpose.\n\XXXX XXXX XXXX I did not authorize this inquiry, and its presence on my report is false. This is unlawful and harmful.\nIssue: Unauthorized inquiry.\nLaw: FCRA requires authorization and accuracy in reporting.\XXXX XXXX  I have no knowledge of this inquiry. It was not authorized by me and damages my credit.\nIssue: Unauthorized inquiry.\nLaw: FCRA prohibits reporting inquiries without XXXXXXXX  XXXX: This inquiry is completely unauthorized. It negatively affects my score and violates my rights.\nIssue: Inaccurate and unauthorized inquiry.\nLaw: FCRA 1681b prohibits such entries.\n\nI am respectfully requesting that the Consumer Financial Protection Bureau (CFPB) step in to enforce my rights under the Fair Credit Reporting Act. These errors and unauthorized activities are severely harming my financial health, opportunities for credit, and overall quality of life. I am asking the CFPB to require the credit bureaus and furnishers to conduct a lawful reinvestigation, provide written proof of verification if they intend to continue reporting, or otherwise delete the inaccurate and unverifiable information immediately. My demand is for full compliance with FCRA, protection against future violations, and correction of all disputed items listed in this complaint.'

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 explanation