Consumer complaint received 2025-11-06 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 writing to file a formal complaint regarding several inaccurate and unverified items that are being reported on my credit reports by various furnishers and credit bureaus. These inaccuracies are severely damaging my credit reputation and are in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Below is a detailed list of the errors I have identified : 1. Wrong Addresses Reported XXXX XXXX XXXX XXXX XXXX, TX XXXX I have no connection to this address. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have never lived at or been associated with this address. 

These addresses are completely inaccurate and must be removed immediately from all of my credit reports. The reporting of false personal information compromises my privacy and misrepresents my identity. 

2. Inaccurate and Unverified Account Information XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported as Late Payment. 
The account history is wrong. I have never made any late payment on this account. I demand a full verification and correction of this inaccurate history. 

XXXX XXXX XXXX XXXXXXXX Reported as Charge Off. 
I have no knowledge of this account. I never authorized or opened this account. This must be deleted immediately if it can not be verified with original documentation bearing my signature. 

XXXX XXXX XXXXXXXX Collection Account. 
I have no knowledge of this alleged debt. I request that this account be deleted from all credit bureaus if validation can not be produced. 

XXXX XXXX XXXX XXXX Collection Account. 
This account is not mine. I have never had any dealings with this company. Please remove this entry as unverified and inaccurate. 

XXXX XXXX Late Payment. 
The payment history reported is incorrect. I have always paid on time and request immediate correction. 

XXXX XXXX XXXX XXXXXXXX Late Payment. 
Again, the history is false and unverified. I never made any late payments. Please update this record to show perfect payment history. 

XXXX XXXX Late Payment. 
This late payment notation is inaccurate and must be corrected immediately. 

XXXX XXXX XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ) Late Payment. 
I have no knowledge of these accounts. They are being reported incorrectly and should be deleted. 

XXXX XXXX XXXX Late Payment. 
This late payment record is inaccurate. I have always paid as agreed, and I request that the reporting be corrected to reflect timely payments. 

3. Unwarranted Hard Inquiries The following inquiries were made without my authorization or any legitimate business need : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were not initiated or approved by me. They constitute a violation of the FCRA 604 ( a ) ( 3 ), which restricts credit inquiries to permissible purposes only. I am requesting the immediate removal of these unauthorized hard inquiries from all credit reports.

Requested Resolution I respectfully request that the CFPB investigate these matters promptly and require all data furnishers and credit reporting agencies to : Remove all incorrect addresses not associated with me. 

Delete any unverified or fraudulent accounts listed above. 

Correct all inaccurate payment histories where no late payments occurred. 

Remove unauthorized inquiries that were made without my consent. 

Provide me with a written confirmation of each correction or deletion completed. 

These inaccurate and unverifiable entries are causing financial harm and violating my consumer rights under federal law. I expect immediate action to resolve this matter and to ensure that only accurate, verified, and lawful information remains on my credit reports. 

Thank you for your attention to this serious issue. Please provide me with written confirmation of your investigation results and the actions taken.

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