Consumer complaint received 2025-08-20 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: CA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against inaccurate and unverifiable information being reported on my consumer credit file. The credit reporting agencies and furnishers are required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to ensure maximum accuracy of consumer information, yet multiple addresses and accounts appearing on my report are wrong, outdated, or unlawfully reported. These errors are damaging my creditworthiness, preventing me from accessing fair lending, and causing ongoing harm. I have never lived at the listed wrong addresses and the accounts in question either do not belong to me, are being reported inaccurately, or are in violation of federal law. I am requesting the CFPB to investigate and hold the bureaus and furnishers accountable for violating my consumer rights under FCRA, FDCPA, and related laws.

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Law/Issue : FCRA 604 and 609 require only accurate and verifiable personal information to remain on my credit file. This address is inaccurate and does not belong to me.

Story : I have never lived at or been associated with this address, yet it appears in my credit file and links me to accounts and negative items that are not mine. This creates confusion and misrepresentation of my identity. I demand immediate deletion of this address. 

ACCOUNTS XXXX Account # : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Chargeoff * * Law/Issue : Under FCRA 609 and 611, I have the right to request and receive verification of accounts. Without verified documentation, this entry is unsubstantiated.

Story : I never opened or consented to this account. The balance is not valid, and the chargeoff is misrepresenting my payment history. This false reporting is harming my credit and must be deleted. 

XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$790.00} Collection * * Law/Issue : FDCPA 807 and FCRA 623 demand debt collectors and furnishers provide validation of debts. Reporting unverifiable debt violates federal law.

Story : I have no knowledge of this account and never received any validation notice. This collection is inaccurate, unverified, and fraudulent. I request immediate deletion. 

INQUIRIES XXXX Date : XX/XX/XXXX Law/Issue :

FCRA 604 requires permissible purpose for any inquiry. No authorization was granted. Story : I did not apply for any credit with this company. This hard inquiry was unauthorized and damages my credit score. Please delete this inquiry immediately. 

XXXX Date : XX/XX/XXXX Law/Issue : FCRA 604 states credit inquiries require my consent or a valid business need. No such authorization exists.

Story : I never applied for credit with XXXX XXXX. This inquiry was placed without my knowledge or permission and must be deleted as an unauthorized inquiry.

I am requesting that the CFPB take immediate action to hold the credit bureaus and furnishers accountable. I demand deletion of all inaccurate addresses and removal or correction of the accounts that can not be properly verified according to federal law. The presence of these items is in violation of the FCRA and FDCPA, and they are causing financial harm, emotional distress, and blocking fair access to credit opportunities. I respectfully ask the CFPB to enforce compliance and ensure my consumer rights are fully protected.

Company response to consumer: Closed with non-monetary relief