Consumer complaint received 2025-08-23 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: TX

Complaint narrative:
To Whom It May Concern, I am filing this complaint because my credit report contains multiple inaccuracies, including wrong addresses, an unlawful charge-off, and numerous unauthorized inquiries. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and they have caused me severe financial, emotional, and reputational harm. Accurate credit reporting is the foundation of fair credit access, yet the repeated mistakes on my file have destroyed my credibility as a consumer, prevented me from obtaining fair credit, and placed me at constant risk of identity theft. I am requesting that the CFPB take immediate action to enforce compliance with the law, ensure correction of these inaccuracies, and hold the reporting agencies and furnishers accountable. 
WRONG ADDRESSES XXXX XXXX AV XXXX, TX XXXX Issue : Wrong Address Law : FCRA 607 ( b ) requires CRAs to follow reasonable procedures for maximum accuracy.

Story : This is not and has never been my address. By attaching me to this location, the bureaus are blending my file with another consumer. This damages my credibility, because lenders believe I have lived at multiple unrelated addresses. Such inaccuracy makes me appear unstable and risky as a borrower, which unfairly hurts my chances of approval for loans or housing. 
XXXX XXXX XXXX XXXX, TX XXXX Issue : Wrong Address Law : FCRA XXXX ( a ) emphasizes the importance of accurate reporting in consumer credit decisions. 
Story : I never resided here. Reporting this wrong address paints a false history about me. Lenders reviewing my file see addresses spread across multiple cities, which makes me appear unstable and high-risk. This is a direct violation of my right to have a truthful record. 
CHARGE-OFF XXXX Acct : XXXX, High Balance : {$3700.00}, Date Opened : XX/XX/XXXX Issue : Charge-off reported inaccurately Law : FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers

to provide only accurate data. FDCPA 807 ( 8 ) prohibits furnishing false credit information.

Story : This account has been marked as a charge-off without proper verification. I dispute this status because the furnisher failed to provide proof of the debts validity. Reporting a false charge-off destroys my score and reputation. It portrays me as financially irresponsible when I am not. This is a violation of my consumer rights, and it must be corrected or removed.

UNAUTHORIZED INQUIRIES Issue : Multiple unauthorized and excessive hard inquiries Law : FCRA 604 ( a ) limits credit report access to permissible purposes.

Story : My credit file shows a cluster of auto-finance, bank, and retail inquiries that I never authorized. These inquiries severely damage my score and create the impression that I am desperate for credit, which is false. Excessive inquiries are a red flag for fraud, meaning someone XXXX have misused my information. Each unauthorized inquiry is a violation of my privacy and consumer rights under the FCRA. 
The following inquiries are in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX These entries are damaging because every lender who views my file assumes I applied for credit repeatedly and was denied. This false impression lowers my credibility and makes me appear risky, which is untrue. 
CONCLUSION The wrong addresses, inaccurate charge-off, and unauthorized inquiries on my credit file are serious violations of the Fair Credit Reporting Act. They are destroying my financial credibility, blocking my ability to secure fair loans, and causing daily stress. My rights as a consumer are being ignored by both the reporting agencies and the furnishers of this information. Under the law, inaccurate and unverifiable information must be corrected or deleted. 
I respectfully request that the CFPB investigate these violations, require the credit bureaus to remove or correct these items, and hold the furnishers accountable for failing to comply with federal law. My credit report must reflect only accurate and verifiable information, nothing more, nothing less.

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