Consumer complaint received 2025-10-15 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:
I am filing this complaint against multiple creditors, financial institutions, and credit reporting agencies for reporting inaccurate, unverifiable, and misleading information on my consumer credit reports. These errors have caused harm to my credit profile, denied me fair access to credit, and violate my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

1. Wrong/Unverifiable Addresses Reported The following addresses are incorrect and do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX These addresses are not mine and should not be associated with my consumer file. Their presence creates confusion and increases the risk of mixed or fraudulent files. 

2. Inaccurate and Harmful Account Reporting The following accounts have been reported with late payments or derogatory marks that are either inaccurate, unverifiable, or incomplete : XXXX XXXX XXXX ( Acct : XXXX ) Opened XX/XX/XXXX Original Balance {$35000.00} Late Payments reported inaccurately. 

XXXX  ( Acct : XXXX ) Opened XX/XX/XXXX Original Balance {$180000.00} Late Payments inaccurately reported. 

XXXX XXXX XXXX. ( Acct : XXXX ) Opened XX/XX/XXXX Highest Balance {$1200.00} Late Payments inaccurately reported. 

XXXX XXXX ( Acct : XXXX ) Opened XXXX XXXX, XXXX Original Balance {$24000.00} Late Payments inaccurately reported. 

These accounts either show incorrect delinquency history or can not be verified with accurate documentation. Under 15 U.S.C. 1681i, I have the right to a full reinvestigation, and these accounts must be corrected or removed if the furnishers can not provide proper validation and proof of accuracy. 

3. Unjustified and Excessive Credit Inquiries The following hard inquiries have been made without my authorization or permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized by me. They appear excessive, suspicious, and in violation of FCRA 604 ( 15 U.S.C. 1681b ) which requires a permissible purpose before a consumer report can be accessed. 

Requested Resolution I request that the CFPB : Investigate these inaccuracies and require the credit bureaus XXXX XXXX XXXX, and TransUnion ) to delete or correct all unverifiable and erroneous information. 

Direct the furnishers ( creditors listed above ) to provide proof of reporting accuracy or immediately remove the negative marks. 

Remove all unauthorized inquiries that lack a documented permissible purpose. 

Ensure that the wrong addresses are permanently deleted from my consumer file. 

These violations have caused serious harm to my creditworthiness. I am exercising my rights under FCRA 611 ( 15 U.S.C. 1681i ) to dispute these errors and demand immediate reinvestigation.

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