Consumer complaint received 2025-08-02 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: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint to bring to your attention several serious and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by consumer reporting agencies and furnishers. Despite previous disputes submitted directly to the credit bureaus, the following inaccurate, unverifiable, and unauthorized entries remain on my credit report, negatively affecting my financial standing, credit access, and mental well-being. 
XXXX XXXX XXXX XXXX  XXXX, NY XXXX Wrong Address Issue : This address does not belong to me. It is not associated with any of my housing, financial, or employment records. 
Law : FCRA Section 605 ( b ) requires only accurate and verifiable identifying information on a consumers credit report. Reporting wrong addresses leads to file merging and inaccurate data. 
XXXX : This incorrect address has led to accounts being misattributed to me. I have had to explain to lenders that I never lived here, and this has caused stress and suspicion in the underwriting process. This must be deleted immediately. 
BANK XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} Charge Off Issue : This is a duplicate entry being reported under multiple identifiers. 
Law : FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ) prohibit inaccurate and duplicate reporting.

Story : This same account is showing up twice under different numbers. This is misleading and inflates my debt profile. Ive been denied credit because of this. The duplicate nature of this account must be corrected by full deletion. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} Charge Off Issue : I do not recognize this account. No validation was ever received. 
Law : FDCPA Section 809 requires written verification. FCRA 623 ( a ) ( 3 ) demands accuracy and verifiability.

Story : This charge-off has caused immense damage to my credit score and mental health. I never received a statement, bill, or contract regarding this account. It is either fraudulent or reported in error and must be deleted immediately. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : I never authorized this inquiry. 
Law : FCRA 604 ( a ) ( 2 ) states hard inquiries require written consumer permission.

Story : This inquiry lowered my credit score without cause. I did not apply for anything with Capital One on this date. This is a violation of my privacy and must be removed. 
XXXX XX/XX/XXXX Inquiry Issue : Unauthorized hard inquiry by car dealership.

Law : FCRA 604 requires express permission.

Story : I only inquired about vehicles and never signed a credit application. They accessed my credit without cause or approval. This must be deleted. 
XXXX XX/XX/XXXX Inquiry Issue : Unauthorized pull from XXXX XXXX XXXX XXXX. 
Law : FCRA 604 ( a ) ( 3 ) prohibits unauthorized access.

Story : I did not apply for financing with this lender. This inquiry is unlawful and hurt my score. Remove it immediately. 
FIRST HELP F XX/XX/XXXX Inquiry Issue : Unauthorized inquiry. 
Law : FCRA 604 requires permissible purpose and consent.

Story : I did not engage with this company. This inquiry was pulled without my knowledge and must be removed.

Requested Action from CFPB : I am requesting that the Consumer Financial Protection Bureau investigate these violations and hold the credit reporting agencies and furnishers accountable. I ask that you compel the CRAs to : Delete the above-listed wrong addresses from my credit report Remove the unverifiable, duplicate, and false accounts Delete the unauthorized hard inquiries Provide documentation and verification for any information they choose to retain These violations have caused me significant emotional distress, loss of credit opportunities, and disruption to my personal and professional life. I have followed proper dispute procedures and still have not received resolution. Your intervention is now required.

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