Consumer complaint received 2025-07-17 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:
Dear CFPB Officer, I am writing to formally submit a consumer complaint regarding multiple inaccuracies and legal violations found on my credit report. I am a victim of identity theft and unauthorized reporting practices, which have caused severe and ongoing financial and emotional distress. Despite repeated attempts to correct these records, the credit bureaus and furnishers have failed to take proper corrective action. 
Please find the details below, categorized under incorrect addresses, unauthorized accounts, and unauthorized inquiries. I am requesting immediate investigation and corrective action in accordance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Wrong Address Issue : This address does not belong to me and has never been associated with my identity or residence history Law : FCRA 605 ( b ), 609 ( c ), 611 Story : I have never lived at this address, nor have I used it for any credit or billing purpose. Its appearance on my credit report may indicate identity confusion or file merging. This incorrect address affects the integrity of my credit file and could cause adverse decisions. I am requesting that this address be immediately removed from all credit reporting agencies. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Wrong Address Issue : Unrelated and unverifiable mailing address Law : FCRA 607 ( b ), 609 ( a ) ( 1 ) Story : I have no connection to this XXXX  XXXX and never received or sent any credit-related communication using it. Its inclusion is damaging and may be the result of fraud or misfiling. All unverifiable addresses must be removed under the FCRA. 
XXXX XXXX XXXX Late Payment High Balance : {$6200.00} | Date Opened : XX/XX/XXXX Issue : Inaccurate late payment reporting during hardship period Law : FCRA 611, FDCPA 807 ( 8 ) Story : I communicated with the creditor about financial hardship during the pandemic but never received proper assistance or deferment. Despite this, late payments were reported, severely damaging my credit. This reporting is not only inaccurate but violates the XXXX XXXX and FCRA obligations to report truthful data. 
XXXX XXXX XXXX Late Payment High Balance : {$5900.00} | Date Opened : XX/XX/XXXX Issue : Late payment reporting without considering hardship request Law : FCRA 623 ( a ) ( 1 ) Story : During my period of financial instability, I requested help from XXXX XXXXXXXX, but my situation was ignored and late payments were reported without a formal notice or investigation. This inaccurate reporting violates my rights and must be corrected. 
XXXX XXXX XXXX XXXX * Late Payment High Balance : {$5700.00} | Date Opened : XX/XX/XXXX Issue : Failure to provide documentation of delinquency Law : FCRA 609 ( a ) ( 1 ) Story : No evidence or validation has been provided by the credit union regarding any missed payments. Their failure to notify me before reporting derogatory information is a violation of FCRA, and this mark should be removed. 
XXXX XXXX Bankruptcy Reference # XXXX U.S. Bankruptcy Court Issue : Incomplete or outdated public record update Law : FCRA 611 ( a ) ( 5 ), 605 ( b ) Story : My bankruptcy was discharged, but not all accounts have been updated accordingly. This failure to report the current legal status misrepresents my credit profile and has caused denial in post-bankruptcy credit rebuilding efforts. 
XXXX XXXX XXXX XX/XX/XXXX Issue : Unknown inquiry Law : FCRA 604 ( c ) ( 1 ) Story : I have no application or business with XXXX XXXX during this time. The inquiry is likely unauthorized or erroneous and should be removed to prevent ongoing harm. 
XXXX XXXX XXXX Inquiry XX/XX/XXXX Issue : Inquiry not initiated by me Law : FCRA 604 ( a ) Story : I never sought credit or financing through this company. The inquiry is invalid and has impacted my credit score. 
XXXX XXXX XX/XX/XXXX Issue : Lack of permissible purpose Law : FCRA 604 Story : This company conducted a hard inquiry on my file without authorization. I never submitted an application, and this is a breach of my rights. 
Legal Summary & Consumer Rights : All of the above issues violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which grants consumers the right to dispute and have inaccurate, incomplete, or unverifiable information removed within 30 days. It also violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) regarding misleading and unlawful debt collection practices. In addition, the continued failure to correct these inaccuracies despite multiple disputes violates my rights under federal law. 
Relief Requested : Immediate deletion of all fraudulent and inaccurate accounts and addresses. 
Permanent removal of unauthorized hard inquiries. 
A complete and fair reinvestigation by the credit bureaus and furnishers. 
Written confirmation of all corrections made. 
A full report from the original furnishers on how these errors occurred.

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