Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
I am filing this complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other federal consumer protection laws by the credit bureaus and furnishers who have failed to maintain accurate, verifiable, and updated records on my credit profile. My consumer rights have been repeatedly ignored despite my good faith efforts to correct these issues. I am requesting an immediate investigation, deletion of all inaccurate data, and confirmation of compliance with the law. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX WRONG ADDRESS Never lived or received mail here ; this address was falsely linked to my report. Reporting false personal information violates FCRA 607 ( b ) and 611 for failing to remove after notice. Continued use of this unverified address damages my credit integrity and misrepresents my identity. 

XXXX # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$5400.00} CHARGE OFF * * No contract or documentation has been provided proving this debt is mine. Reporting unverifiable charge-offs violates FCRA 602 ( A ), 623 ( a ) ( 3 ), and FDCPA 807 ( 8 ). Keeping false debt data misleads future lenders and harms my financial reputation. I demand verified proof or immediate deletion. 

XXXX XXXX  # XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$6800.00} CHARGE OFF * * This account remains unverifiable and outdated despite multiple disputes. It violates FCRA 609 ( a ) ( 1 ), 605 ( a ), and 611 ( a ) ( 1 ) ( A ) requiring accuracy and proper reinvestigation. Continued reporting of old, inaccurate data causes unjust damage to my consumer report. Immediate deletion is required. 

XXXX Date : XX/XX/XXXX I did not authorize this inquiry nor grant consent to access my credit file. This violates FCRA 604 ( a ) ( 2 ) for lack of permissible purpose. Retaining unauthorized inquiries harms my score and breaches my privacy rights. I demand removal and proof of authorization. 

XXXX  Date : XX/XX/XXXX Unauthorized credit pull without written consent violates FCRA 604 ( f ) and 611 ( a ) ( 1 ) ( A ). No business relationship or valid reason exists for this inquiry. Keeping it after notice proves failure to maintain maximum possible accuracy. I request immediate deletion and confirmation in writing. 

These repeated inaccuracies and unauthorized actions demonstrate gross noncompliance with federal consumer protection laws. The continued reporting of false information, wrong address, and unauthorized inquiries has caused significant harm to my creditworthiness and reputation. I demand immediate investigation, removal of the inaccurate address, deletion of the charge-off account, and removal of all unauthorized inquiries. The credit bureaus and furnishers must provide written confirmation of corrective actions as required by FCRA 611 ( a ) ( 5 ).

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