Consumer complaint received 2025-08-11 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:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) because my credit report contains multiple false addresses, inaccurate account reporting, and unauthorized credit inquiries. These serious violations have caused significant damage to my credit profile, hindered my ability to obtain credit, and harmed my financial reputation. The reporting parties and credit bureaus have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) by failing to ensure maximum possible accuracy, by continuing to report unverified and disputed information, and by allowing unauthorized access to my credit file. I am demanding that the CFPB take immediate enforcement action to investigate, compel compliance, and ensure permanent removal of all inaccurate and unauthorized information from my credit report. 

ADDRESSES XXXX XXXX XXXX, XXXX XXXX Law : FCRA 609 ( a ) Right to accurate disclosure of information. 
Issue : Incorrect address reporting. 
Story : I have never lived at, received mail at, or been financially associated with this address. Including this incorrect location on my credit file creates a risk of mixed-file errors, where another individuals accounts or history could be incorrectly attributed to me. This is a serious threat to the accuracy of my credit history and must be removed immediately. 

XXXX XXXX XXXX, XXXX XXXX Law : FCRA 611 ( a ) Obligation to delete unverifiable data. 
Issue : Not my address. 
Story : I have no personal or financial connection to this location. The continued presence of this address on my file suggests my credit profile is being merged with someone elses, which could result in false account reporting and damage to my creditworthiness. 

ACCOUNTS XXXX XXXX XXXX XXXX * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Law : FCRA 623 ( a ) ( 1 ) Prohibits furnishing inaccurate data. 
Issue : {$0.00} balance but still marked as charge-off. 
Story : A charge-off status with a zero-dollar balance is misleading to future creditors and creates the false impression of delinquency where none exists. This account must be deleted if the status can not be corrected. 

XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$420.00} Law : FCRA 611 ( a ) Right to reinvestigation. 
Issue : Charge-off with {$420.00} balance unverified. 
Story : I have no recollection of opening this account, and no application, signed agreement, or billing records have been provided. Without such proof, reporting this debt is a direct violation of my consumer rights. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$27000.00} Law : FCRA 609 ( a ) Right to receive documentation. 
Issue : {$27000.00} charge-off without proof. 
XXXX : This is a significant debt being reported without any substantiating evidence such as the original signed contract or payment history. Until proven, it must not remain on my credit file. 

XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$5800.00} Law : FCRA 611 ( a ) & 623 ( b ) Reinvestigation and accuracy obligations. 
Issue : Charge-off with {$5800.00} balance unverified. 
Story : I have repeatedly requested verification for this account, and none has been provided. Reporting unverifiable data is a violation of your duties under federal law. 

XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} Law : FCRA 623 ( a ) ( 1 ) Accuracy requirement. 
Issue : {$1600.00} charge-off with inconsistent reporting. 
XXXX : The amounts and dates being reported do not match any records I possess. Without original lender documentation, this account should not remain. 

XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} Law : FCRA XXXX ( a ) Right to accurate records. 
Issue : {$17000.00} charge-off unsubstantiated. 
XXXX : This entry significantly impacts my creditworthiness, yet no proof has been offered that I am the legal obligor. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$790.00} Law : FCRA XXXX05B Deletion of fraudulent or unverified accounts. 
Issue : XXXX for {$790.00} unverified. 
Story : I have never signed up for services with this company, and no signed agreement has been presented. 

XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Law : FCRA XXXX ( a ) Right to reinvestigation. 
Issue : {$1100.00} collection with no evidence. 
XXXX : This account is not mine, has never been mine, and can not be verified with proper documentation. 
INQUIRIES XXXX XXXX XX/XX/XXXX Law : FCRA XXXX ( a ) Must have permissible purpose. 
Issue : Unauthorized hard inquiry. 
Story : I never applied for credit or gave permission for this inquiry, yet it remains on my file and is lowering my score. 

XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( a ) Requires consumer consent. 
Issue : XXXX made without my permission. 
Story : No account application or consent form exists authorizing this hard pull. 

I am requesting that the CFPB exercise its authority to enforce the provisions of the FCRA and hold the credit reporting agencies and furnishers accountable for these ongoing violations. The reporting of inaccurate addresses, unverified charge-off accounts, and unauthorized inquiries is a direct breach of my consumer rights. These actions have caused measurable harm to my creditworthiness and personal integrity. I demand that the CFPB require immediate deletion of all disputed and unverified items, removal of unauthorized inquiries, and provide me with written confirmation of all corrections within 30 days. Failure to address these violations will leave me no choice but to pursue all available legal remedies.

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