Consumer complaint received 2025-09-15 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: NY

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies and unauthorized items on my credit report, including an incorrect address and several charge-off accounts I never authorized. These items violate the Fair Credit Reporting Act ( FCRA ) Sections 602, 607, 609, 611, 623, 1681i, 1681e ( b ), 1681s-2, 1681n, and 1681o, which guarantee accurate, complete, and verifiable reporting. The false reporting has caused financial harm, emotional distress, and denial of credit opportunities. I request immediate CFPB oversight to ensure reinvestigation, verification, and correction or removal of all inaccurate items.

ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am again disputing this address as it does not belong to me, and I have no relationship to this location. I have never provided this address to any creditor or financial institution. FCRA gives me the right to demand that unverifiable personal information be removed from my file to ensure accuracy. Leaving this incorrect address can create confusion and is harming my credit profile. Please delete this address from my report and update my file accordingly. 

ACCOUNT XXXX  XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$150.00} Date Opened : XX/XX/XXXX This account is showing as a charge-off, but I dispute the validity of this status. A charge-off is a serious derogatory mark that should only be reported if fully supported by documentation. I have not received any proper notice of default nor documentation validating this charge-off as required under FCRA and the Equal Credit Opportunity Act. If XXXX XXXX can not provide proof including statements, payment records, and a notice of charge-off, then this item is inaccurate and misleading and must be deleted. Reporting unverifiable charge-offs is a direct violation of FCRA 607 ( b ) and must be corrected immediately. 

XXXX XXXX XX/XX/XXXXXXXX  This hard inquiry was made without my authorization. I did not apply for credit with XXXX on this date or at any time near it. FCRA 604 states that a permissible purpose must exist before a credit report can be pulled. Allowing this inquiry to remain creates a misleading impression of excessive credit seeking, which lowers my score and impacts lending decisions. Since there is no written consent or valid application on file, this inquiry must be deleted immediately from my report. 

XXXX XXXX XXXXXX/XX/XXXX I did not initiate a credit request with this company, and this inquiry is unauthorized. FCRA protects me from unpermitted use of my credit file. If you can not provide documentation showing my consent or application, you are legally required to remove this inquiry. Leaving this on my report harms my credit standing by suggesting I applied for credit I never sought. Please delete this inquiry at once. 

XXXX XXXX XX/XX/XXXX This inquiry is not recognized and no permissible purpose exists. I did not apply for credit or authorize any lender to pull my file on this date. Continued reporting of an unauthorized inquiry violates my rights under FCRA 604 and 611. Please conduct a reinvestigation, and if XXXX XXXX  can not verify permissible purpose, this inquiry must be deleted from my credit report. 

XXXX XXXXXX/XX/XXXX I am disputing this inquiry as it was done without my permission or application for credit. FCRA requires consumer consent or an authorized purpose before accessing my file. This inquiry is harming my credit profile by lowering my score and suggesting activity that never occurred. Remove this inquiry unless you can provide full proof of authorization. 

XXXXXXXX XXXXXX/XX/XXXX This inquiry is appearing on my credit report even though I never applied for any account, loan, or service with XXXX  on or near this date. I have not provided written authorization or any form of consent for XXXX to access my credit report. Under FCRA 604 ( a ), a consumer reporting agency may only furnish a consumer report for permissible purposes such as credit transactions initiated by the consumer, employment purposes, or insurance underwriting. Since I did not initiate any transaction with XXXX, this inquiry is unauthorized. Please delete this inquiry from my credit report immediately to maintain compliance with FCRA. 

XXXX XXXX XXXX XXXX  This inquiry is also being reported inaccurately. I never had any communication, application, or financial interaction with XXXX XXXX XXXX that would justify a credit pull. The FCRA prohibits inquiries that are not authorized by the consumer or related to a permissible purpose. By allowing this inquiry to remain, you are enabling a violation of my rights under section 604 and section 607 ( b ), which require maximum possible accuracy of the information you report. Please remove this unauthorized inquiry promptly. 

XXXX XX/XX/XXXX I have no business relationship with XXXX and have not given permission for them to access my credit report. This inquiry is damaging my credit standing and is a violation of the permissible purpose rule under FCRA 604. You have a duty to investigate and ensure only legitimate inquiries remain on my file. I demand deletion of this inquiry as it is unauthorized, unverifiable, and inaccurate. 

XXXX XXXX XXXXXX/XX/XXXX This inquiry is completely unauthorized as I did not apply for a mortgage, refinance, or any credit product with XXXX XXXX  on or near this date. The FCRA clearly restricts such access to instances where the consumer has initiated a credit transaction. Allowing this inquiry to remain violates the requirement of maximum possible accuracy and constitutes continued reporting of inaccurate information. Please remove this inquiry immediately. 

I respectfully request the CFPB to ensure that all disputed items, including the incorrect address and all unauthorized accounts, are fully reinvestigated, verified, and corrected or removed in compliance with the FCRA. The ongoing reporting of these inaccuracies has caused substantial financial and emotional harm. I request written confirmation of all corrections and monitoring of responsible agencies and creditors.

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