Consumer complaint received 2025-10-13 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: WI

Complaint narrative:
Dear CFPB, I am submitting this formal complaint regarding multiple inaccuracies on my credit report, which have materially harmed my credit reputation. I have identified several collection accounts and unauthorized hard inquiries that are inaccurate, unverifiable, and in many cases, unauthorized. Despite my efforts to dispute these items with the credit bureaus, they have not been corrected or removed. 
Disputed Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Wrong Address I have never resided at this address ; its inclusion is fraudulent and misleading. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Wrong Address Reporting this address inaccurately violates FCRA 1681i. 
Disputed Accounts : XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$300.00} Charge Off I have no knowledge of this account, never opened it, and dispute the charge-off status. Reporting it without validation violates FCRA 623 ( a ) ( 1 ) ( A ) and 1681i. 
XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off I deny any association with this account ; charge-off is invalid. This is a willful misrepresentation of my credit history. 
XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off I have no account with this creditor ; its reporting is erroneous and harmful. 
XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off Account is invalid, I demand deletion or correction ; reporting this item is misleading under FCRA 1681i. 
XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off I dispute the existence and reporting of this account ; I never entered into a financial agreement with this company. 
XXXX XXXX Date Opened XX/XX/XXXX High Balance {$2700.00} Collection I have no knowledge of this account ; collection reporting without proof violates FCRA 1681i and 623 ( a ) ( 1 ) ( A ). 
XXXX XXXX Date Opened XX/XX/XXXX High Balance {$1600.00} Collection I have no knowledge of this account ; I never opened it or authorized any transaction. Reporting this account violates FCRA 623 ( a ) ( 1 ) ( A ) and constitutes inaccurate credit reporting. 
XXXX XXXX XXXX Date Opened XX/XX/XXXX High Balance {$840.00} Collection I deny ever having any relationship with this entity ; reporting it as a collection is false and legally disputable. 
XXXX XXXX Date Opened XX/XX/XXXX High Balance {$1000.00} Collection I have never interacted with this creditor. Reporting it as a collection violates FCRA 1681i and 623 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX High Balance {$100.00} Collection I dispute the legitimacy of this account ; reporting without validation violates FCRA. 
Disputed Hard Inquiries : XXXX XX/XX/XXXX Inquiry I did not authorize this credit pull. Under FCRA 604 ( a ), unauthorized inquiries are unlawful and must be removed. 
XXXX XXXX XX/XX/XXXX Inquiry Unauthorized ; removal required. 
XXXX XXXX XXXX XXXX  XX/XX/XXXX Inquiry Unauthorized ; must be deleted. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry I did not consent to this pull ; remove. 
Background and Details : These accounts and inquiries have never been authorized, opened, or associated with me in any way. I have attempted to resolve these disputes directly with the credit bureaus, but the items remain on my report. The continued presence of these inaccurate and unauthorized items is causing financial harm, including denial of credit opportunities and damage to my creditworthiness. 
Legal Basis : Under the Fair Credit Reporting Act ( FCRA ) 1681i, credit bureaus are required to conduct a reasonable reinvestigation of disputed items within XXXX  days. Reporting unauthorized collections and inquiries without validation violates 623 ( a ) ( 1 ) ( A ) and 1681e ( b ). Continued reporting of these items after my dispute constitutes willful violations of the FCRA and may result in civil liability under 1681n and 1681o. 
Requested Action : I request that CFPB investigate these inaccurate and unauthorized entries and ensure that they are corrected or removed from my credit report immediately. Please provide written confirmation once this matter has been resolved.

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