Consumer complaint received 2025-11-21 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: IN

Complaint narrative:
I am submitting this formal complaint because multiple accounts and addresses are being reported inaccurately on my credit reports, causing significant harm, financial loss, and emotional distress. I am requesting immediate investigation and enforcement action to ensure these furnishers comply with the Fair Credit Reporting Act ( FCRA ) and remove/correct the inaccurate data. 

1. Incorrect / Fraudulent Addresses Being Reported The following addresses do not belong to me, and I have no connection to them. Their presence indicates possible mixed files or identity-related errors : XXXX XXXX, XXXX, IL XXXX XXXX have never lived here. 

I am requesting CFPB to enforce immediate deletion of all inaccurate addresses from all credit bureaus and require furnishers to investigate any associated reporting errors. 

XXXX. Charge-Off & Collection Accounts I Have No Knowledge of These Accounts & Request Immediate Deletion These accounts do not belong to me. I did not open them, authorize them, or have any knowledge of them. 
Under FCRA 602A and 609, I request full deletion from all CRAs. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collection These accounts are fraudulent/ not mine, and furnishers have failed to provide any legally required verification. Their continued reporting violates : FCRA 607 ( b ) Maximum possible accuracy FCRA 611 Failure to correct/delete unverifiable data FCRA 609 ( e ) Fraudulent account documentation requirements I demand immediate deletion of all these unauthorized accounts. 

XXXX. Late Payment Accounts History Is Wrong, I Never Made a Late Payment & Request Correction The following accounts are mine, but the payment history is inaccurate. I have never missed or made a late payment, making these entries false and damaging. 

I request immediate correction under FCRA 602, 607 ( b ), and 611. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reported Late Payment ( Incorrect ) These furnishers have failed to provide documentation showing a valid late payment. They are reporting wrong historical data and causing significant credit harm. 

XXXX. Hard Inquiries Not Authorized/ Not Initiated by Me I did not authorize the following inquiries. 
These must be removed under FCRA 604. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were made without my consent, and I request removal. 

Requested Action from CFPB I respectfully request that the CFPB : Enforce an immediate full investigation into all the furnishers reporting the accounts listed above. 

Require deletion of all fraudulent/unauthorized charge-off and collection accounts. 

Require correction of all incorrect late-payment histories. 

Delete all unauthorized hard inquiries. 

Remove all inaccurate addresses from my credit file. 

Hold furnishers accountable for ongoing violations of the FCRA. 

These inaccuracies are causing credit score damage, denial of financial opportunities, and emotional distress. I request swift resolution.

Declaration I certify that the information provided is true and accurate to the best of my knowledge. 
I request immediate CFPB intervention due to repeated non-compliance by furnishers and CRAs.

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