Consumer complaint received 2025-10-30 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: NJ

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against the credit reporting agencies and furnishers listed below for reporting inaccurate, unverifiable, and duplicate information on my credit report. These errors are severely harming my creditworthiness and reputation. I am demanding an immediate investigation and permanent correction under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. 
Incorrect Addresses Reporting on My Credit File ( FCRA 1681i ( a ) ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address These addresses are completely unfamiliar to me. I have never resided, worked, or received mail at any of these locations. The appearance of multiple, unrelated Florida addresses raises serious concerns of identity mix-up or possible reporting error. This violates the accuracy requirements under FCRA 1681e ( b ), which mandates credit bureaus to maintain and report only correct and verifiable information. I demand the immediate removal of these wrong addresses from my file. 
Unverified and Inaccurately Reported Accounts : XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXXBalance Owed : $ XXXXIssue : Charge Off I have no knowledge of this account and have never received any valid documentation proving my connection. Reporting such unverifiable debt violates FCRA 1681i ( a ) ( 1 ) and 1681b, as it lacks permissible purpose. Please delete this item immediately. 
XXXX XXXX XXXX XXXX Date Opened : XXXXBalance Owed : $ XXXXIssue : Charge Off This account appears inaccurately and without my authorization. No contract or payment history has been provided to verify its legitimacy. Under FCRA 1681i ( a ) ( 5 ), unverifiable information must be permanently deleted. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XXXXBalance Owed : $ XXXXIssue : Charge Off This entry is duplicate and unverified, and I have never maintained any such account under this number. If the furnisher can not validate the account with original signed documentation, it must be deleted under FCRA 623 ( a ) ( 3 ) and FCRA 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX Date Opened : XXXXBalance Owed : $ XXXXIssue : Collection This is yet another duplicate of the same account listed above, showing inconsistency in balance and open date. Reporting the same debt multiple times artificially inflates my negative credit history and violates FCRA XXXX ( b ). 
XXXXXXXX XXXX XXXX XXXX Date Opened : XXXXBalance Owed : $ XXXXIssue : Collection This entry duplicates another XXXXXXXX XXXX  already listed, reflecting intentional redundancy or system error. Please delete immediately for being inaccurate, unverifiable, and duplicative. 
Hard Inquiry Appearing Without My Authorization : XXXX XXXX Unauthorized Inquiry I never authorized this company to pull or access my credit file. Reporting this inquiry without written consent violates FCRA 604 ( a ) ( 2 ). I demand its immediate removal.

LEGAL BASIS AND VIOLATIONS : All of these entries demonstrate multiple violations of the Fair Credit Reporting Act, including : FCRA 602 ( A ) : Consumers have the right to fair and accurate reporting.

FCRA 607 ( B ) : Credit bureaus must follow procedures to ensure maximum possible accuracy.

FCRA 611 ( A ) : Bureaus must reinvestigate disputed items within 30 days.

FCRA 623 ( A ) ( 3 ) : Furnishers must correct or delete information they know is inaccurate. 
FCRA 616 : Willful noncompliance subjects the violator to civil liability and damages.

MY COMPLAINT SUMMARY : 1. Multiple wrong addresses have been added to my file without authorization.

2. Duplicate and unverified charge-offs and collections have been reported, damaging my score. 
XXXX. XXXX XXXX is reporting the same debt several times under different account numbers. 
4. An unauthorized inquiry was made without my consent.

5. The credit bureaus failed to ensure maximum possible accuracy and failed to remove unverifiable information.

RELIEF REQUESTED : Immediate deletion of all wrong addresses.

Permanent removal of all unverified, duplicate, and inaccurate accounts listed above. 
Removal of the unauthorized inquiry from XXXX XXXX XXXX. 
Written confirmation from the credit bureaus and furnishers showing that these corrections have been made. 
Investigation into possible identity mix-up or reporting errors affecting my file. 
I am requesting CFPBs direct intervention to ensure that the credit bureaus and furnishers comply with the Fair Credit Reporting Act and stop reporting false and harmful data that does not belong to me. These repeated violations have caused emotional distress and severe credit damage, and I demand immediate action.

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