Consumer complaint received 2025-08-21 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: CA

Complaint narrative:
Dear CFPB, I am filing this formal complaint regarding multiple unauthorized and impermissible hard inquiries that have appeared on my credit report. These inquiries were not authorized by me, were made without a permissible purpose, and are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( a ) ( 3 ), 607, and 611. Each of these inquiries is lowering my credit score, damaging my financial reputation, and creating a misleading picture of my credit-seeking behavior. 
Below I have listed each disputed inquiry along with the issue, the applicable law, and the harm caused : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address ISSUE : This address does not belong to me and never has.

LAW : FCRA 607 ( b ) Credit bureaus must ensure
maximum accuracy. FCRA 611 Unverifiable addresses must be removed. 
STORY : This wrong address makes me look like I lived in places I never stayed in. I never applied for credit or utilities there, but by keeping this on my file, you are making me look like a risk. When lenders see multiple addresses, they suspect fraud or instability. I have been embarrassed in front of lenders, questioned during applications, and rejected for credit cards simply because of false addresses. This hurts my dignity and reputation as a responsible individual. 
XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address ISSUE : Inaccurate reporting of an address where I never lived.

LAW : FCRA 609 ( a ) ( 1 ) Right to request original source verification. FCRA 623 ( a ) ( 1 ) ( A ) Furnishers can not report false data.

STORY : Being tied to this wrong XXXX XXXX  address has been a nightmare. I live in another state, and I have never had any connection to this location. Yet, because of your failure to delete wrong information, my report looks suspicious. Employers and landlords doubt my stability. I was even asked during an employment background check why I had so many addresses in different states. This humiliation was caused by your inaccuracy. 
XXXX XXXX XXXX XXXX XXXXXXXX : {$13000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ISSUE : Charge off reported without any contract or proof.

LAW : FCRA 611 ( a ) ( 5 ) Must delete unverifiable data
. FCRA 623 ( b ) Furnishers must provide accurate documentation.

STORY : This charge off is destroying my financial reputation. I applied for a car loan and was denied directly because of this item. I was forced to accept higher interest rates elsewhere, paying hundreds more each month. This unfair financial burden on me and my family is a direct result of reporting unverifiable data. I have requested documentation many times, yet nothing was provided. This feels like financial discrimination. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$360000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ISSUE : Late payment history is false and unverifiable. 
LAW : FCRA 623 ( b ) ( 1 ) ( A ) Furnishers must properly investigate disputes. FCRA 607 ( b ) Accuracy required. 
STORY : Reporting me late on such a huge mortgage-type account paints me as financially reckless. In reality, I never received verified delinquency notices or billing statements. This false reporting has prevented me from refinancing my mortgage and locked me into high monthly payments. My family continues to suffer because TransUnion allows unverifiable data to remain. This is not only inaccurate, it is cruel to keep me trapped financially. 
XXXX XXXX XXXX High Balance : {$670.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ISSUE : Unverified late payment.

LAW : FCRA 607 ( b ) Requires maximum possible accuracy. FCRA 611 Must delete unverifiable.

STORY : Even though this account has a small balance, it has caused big damage. A simple late payment mark dropped my score and prevented me from being approved for basic credit lines. I feel punished for something that can not even be proven. My financial stability is being destroyed by a reporting system that does not follow the law. 
XXXX XXXX XXXX  High Balance : {$730.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ISSUE : No proof of late payments provided.

LAW : FCRA 609 ( a ) Right to original records. FCRA 611 Delete unverifiable data.

STORY : This small account makes me look like I never pay on time, when in fact there is no evidence of that. Because of this, I have been denied opportunities for credit increases, rental housing, and job-related screenings. This damages my future, my trustworthiness, and my dignity as a responsible adult. 
XXXX XXXXXXXX XXXX High Balance : {$380.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ISSUE : Incorrect late payment reporting.

LAW : FCRA 623 ( b ) Requires accuracy.

STORY : Something as small as this balance should not have the power to ruin my financial opportunities. Yet every time I apply for credit, lenders see me as someone unreliable. This is false and cruel, and without verification it should not exist on my file. 
SELFINC/LEAD XXXX High Balance : {$270.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ISSUE : Unverified late payment.

LAW : FCRA 607 ( b ) and FCRA 623 ( b ) Accuracy required.

STORY : This reporting makes me look irresponsible, even though the amount is tiny and no proper documentation has been given. It feels like the system is designed to destroy consumers rather than help them. I feel like I am being unfairly labeled, and this label is keeping me from moving forward in life. 
XXXXXXXX XXXX XXXX  XXXX High Balance : {$470.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ISSUE : Charge off reporting without proof.

LAW : FCRA 609 ( a ) Must provide original signed agreement.

STORY : This makes me look like I abandoned a debt. I never had the chance to see any signed documentation, yet my reputation is permanently harmed. I feel like I am being accused of something I never did, and it affects me every single day. 
XXXX XXXX High Balance : {$620.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ISSUE : Unverified delinquency.

LAW : FCRA 611 ( a ) ( 5 ) Unverifiable must be deleted.

STORY : This one late mark continues to follow me around. Lenders dont care about the truththey only see late. I am being judged unfairly and denied opportunities because of an unverifiable mistake. 
XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ISSUE : Charge off without original proof.

LAW : FCRA 609 ( a ) Right to documents. 
STORY : This item haunts me. Every time I apply for credit, it pops up as if I am a defaulter. Yet no one can show me evidence. I am living under the weight of accusations with no proof. 
XXXX XXXX High Balance : {$990.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ISSUE : Inaccurate late payment.

LAW : FCRA 623 ( b ) Furnishers must ensure accuracy.

STORY : This entry makes me appear financially irresponsible to future creditors. I have lost out on credit opportunities and felt humiliated explaining my report. This is unfair punishment for unverifiable information. 
XXXX XXXX XXXX High Balance : {$440.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  ISSUE : Debt buyer reporting without proof of assignment.

LAW : FDCPA 809 ( b ) Must validate debt. FCRA 611 Unverifiable must be deleted. 
STORY : This is perhaps the most damaging. A debt buyer reporting without validation ruins my ability to move forward. I never received proof. Yet this collection entry causes lenders to see me as high risk. I was denied a personal loan because of this, and it continues to cause emotional and financial harm. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$240.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  ISSUE : Collection account with no validation.

LAW : FDCPA 809 ( b ) and FCRA 611 apply.

STORY : I never received a debt validation notice. I feel harassed and misrepresented. Lenders treat me as if I run from debts, when the truth is, I was never shown any contract or assignment of this debt. This damages my dignity and denies me equal access to credit. 
XXXX XXXX XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ISSUE : Public record reported through third-party vendors instead of direct courthouse verification.

LAW : FCRA 607 ( a ) Must maintain maximum possible accuracy. Only certified court documents are valid.

STORY : Reporting this without direct courthouse confirmation is devastating. It makes me look like someone financially ruined. I have been denied housing, credit, and even job opportunities because of this bankruptcy listing. I can not move forward in life while being chained to unverifiable public record reporting. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : I did not authorize XXXX  XXXX to pull my report on this date.

Law : FCRA 604 ( a ) ( 2 ) makes it unlawful to obtain my report without a legitimate credit application.

Story : This inquiry wrongly suggests I applied for new credit, which creates negative impressions with other lenders and unfairly harms my credibility. 
XXXX XX/XX/XXXX XXXX XXXX : I never authorized XXXX XXXX XXXX XXXX t

o access my file. Law : FCRA 604 requires prior consent ; none was given.

Story : This inquiry misrepresents my actions, making it appear as if I sought subprime credit I never requested. This damages my reputation. 
XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Unauthorized inquiry reported with no application. 
Law : FCRA 604 prohibits pulling a report without consumer-initiated credit. 
Story : XXXX XXXX accessed my report without cause, which has damaged my credit profile by making me appear as high-risk. 
XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX reported a hard inquiry without my permission. 
Law : Under FCRA 604, any access without a consumer-initiated transaction is unlawful.

Story : This unauthorized inquiry has unfairly lowered my score and created a false record of seeking auto financing. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : This is an unauthorized pull of my file.

Law : FCRA 604 does not allow inquiries without consumer consent.

Story : This entry creates an inaccurate record, suggesting risky credit behavior when none occurred. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Inquiry made without my approval or application.

Law : FCRA 604 ( a ) ( 3 ) requires consumer-initiated activity.

Story : This inquiry lowers my score and misleads creditors, hurting my credibility and financial opportunities. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : I never applied for credit at XXXX XXXX. 
Law : FCRA 604 ( a ) ( 2 ) violation due to lack of permissible purpose.

Story : This inquiry makes it look like I was applying for auto financing when I was not, harming my financial reputation. 
XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX conducted an inquiry without my consent.

Law : FCRA 604 prohibits such unauthorized access.

Story : This inquiry is damaging my score and making me look like I sought loans I did not pursue. 
Conclusion and Request for Relief Each of these inquiries is unlawful, unauthorized, and harmful. They were conducted without my knowledge, consent, or any permissible purpose as required under the FCRA. I respectfully request that the CFPB investigate these violations, hold the creditors and credit bureaus accountable, and require the immediate deletion of these inquiries from my credit reports. 
If these inquiries remain, I will pursue further legal remedies, including complaints to the FTC and my State Attorney General for willful noncompliance.

Company response to consumer: Closed with non-monetary relief