Consumer complaint received 2025-08-01 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: OK

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies, unverifiable accounts, unauthorized inquiries, and false addresses appearing on my credit reports. Despite my previous disputes with the credit bureaus, these errors remain unresolved, violating my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB to investigate these issues thoroughly and take regulatory action against the data furnishers and credit reporting agencies who have failed to comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX LAW : FCRA Section 609 ( c ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ) ISSUE : This address is inaccurate and does not belong to me STORY : I have never lived at this address and it does not belong on my credit report. It may be linked to fraudulent or mistaken activity and I request immediate deletion from my credit file XXXX XXXX XXXX XXXX # XXXX XXXX, OK XXXX LAW : FCRA Section 609 ( c ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ) ISSUE : This is an incorrect address being reported under my file STORY : I do not recognize this address and have no association with it. Please remove it as it contributes to misidentification and false account linkages XXXX XXXX XXXX XXXX, OK XXXX LAW : FCRA Section 609 ( c ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ) ISSUE : This address is unrelated to my identity or history STORY : This information is not accurate and should not be listed. It negatively affects the integrity of my credit file and must be deleted XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * LAW : FCRA Section 602 ( A ), 611, 609 ( a ) ( 1 ) ( A ) ISSUE : Charge-off status with {$0.00} balance is misleading and unfair STORY : This account shows a {$0.00} balance and should not be reflected as a charge-off. It implies delinquency that does not exist and misrepresents my creditworthiness XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * LAW : FCRA Section 602 ( A ), 611, 609 ISSUE : Reporting a charge-off on a {$0.00} balance account is incorrect STORY : This account has no outstanding balance and should not be marked as a charge-off. It harms my credit file without justification and must be corrected or deleted XXXX XXXX XXXX XXXX LAW : FCRA Section 609 ( a ) ( 1 ), 611 ( a ), 623 ( b ) ISSUE : Collection account not validated or properly communicated STORY : I do not recall this bill being communicated or verified. I was not offered a chance to dispute or resolve it. Reporting without validation is a violation of my rights XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * LAW : FCRA Section 609, 611, 623 ( b ) ISSUE : Unfamiliar collection listed with {$0.00} balance STORY : I have no record of any debt from this entity. No notice or documentation was ever received and this listing appears erroneous. Please remove or provide full verification XXXX XXXXXX/XX/XXXX XXXX  : FCRA Section 604 ( a ) ( 3 ), 611 ( a ) ( 1 ) ( A ) ISSUE : Unauthorized hard inquiry STORY : I did not apply for any credit with OneMain on this date. This inquiry was made without my consent and violates the FCRA. It must be removed immediately I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these matters. The data furnishers and credit reporting agencies have failed to comply with the FCRA by reporting inaccurate, unverifiable, outdated, and unauthorized information on my credit report. I am requesting full deletion of the accounts, inquiries, and addresses listed above. I have attached supporting documents including my identification and proof of residence for verification purposes. Please take enforcement action as appropriate to ensure my rights are protected and restored.

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