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: TX

Complaint narrative:
This is a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the unauthorized and inaccurate reporting of a credit inquiry that has appeared on my credit report. This matter involves a serious violation of my consumer rights protected under the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws. I am requesting a full investigation and removal of the unauthorized inquiry that has negatively affected my credit profile and caused unwarranted harm to my creditworthiness. 


ADDRESSES XXXX XXXX, XXXXXXXX XXXX XXXXXXXX This address has never been associated with me. Reporting it as linked to my identity is factually incorrect and misleading to lenders. FCRA 611 ( a ) mandates the deletion of unverifiable or inaccurate addresses. I request immediate removal of this address from my file to prevent further harm. 

XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I have never resided at this property. Any accounts, collections, or inquiries attributed to this address are inaccurate and must be corrected. Continued reporting of this address without verification constitutes a violation of FCRA 607 ( b ) and 611 ( a ). 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX This address is not connected to me in any way. Including it in my credit report is misleading, potentially affecting credit decisions made by lenders. I request full reinvestigation and deletion if it can not be verified. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$450.00} Late Payment The reported late payments on this account are inaccurate. I have consistently paid as agreed, and these entries do not reflect my payment history. FCRA 609 ( a ) allows me to request verification of account accuracy. I demand verification or deletion of these late payments. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$60.00} Chargeoff This account does not belong to me and has been misreported. Reporting this information without verification violates FCRA 623 ( a ) ( 1 ), which requires furnishers to ensure accuracy. I request deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$360.00} Late Payment The late payments attributed to me are inaccurate and damaging my credit. FCRA 611 ( a ) ( 1 ) requires that unverified negative information be removed. I request a full reinvestigation with supporting documentation or deletion of these entries. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff I did not open or authorize this account. Reporting it is a clear violation of FCRA 623 ( a ). I demand that this item be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} Chargeoff I dispute the accuracy of this charge-off. I request documented proof of account ownership and balances. If unverifiable, this item must be removed in compliance with FCRA 611 ( a ) ( 1 ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$690.00} Chargeoff This account is not mine. Continuing to report it without verification violates my rights under FCRA 607 ( b ) and 611 ( a ). Immediate deletion is requested. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$220.00} Collection This collection account is inaccurately reported and can not be verified as mine. FCRA XXXX ( a ) requires removal of unverifiable negative items. I request full reinvestigation and deletion if verification can not be provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Collection The reported balance and ownership of this collection are incorrect. Unverified or inaccurate collections violate FCRA 611. Immediate correction or deletion is required. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} Collection This account does not belong to me and is a misreporting of facts. Per FCRA 611 ( a ), unverifiable information must be removed. 

XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me. FCRA 604 ( a ) requires that inquiries be authorized ; unauthorized inquiries must be removed. 
XXXX  XX/XX/XXXX I did not authorize this credit pull. Removal is required to comply with FCRA XXXX ( a ). 
XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry ; this is a violation of my rights. I request deletion. 
XXXX XXXX XXXXXX/XX/XXXX Inquiry not authorized ; remove from my credit file as required under FCRA. 
XXXX XXXXXX/XX/XXXX This inquiry was not initiated or authorized by me. XXXX deletion is requested. 
XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry ; please remove to maintain compliance with FCRA 604 ( a ). 

I respectfully request that the CFPB immediately investigate this unauthorized credit inquiry by XXXX, compel the credit bureaus to permanently delete it from my report, and ensure that corrective actions are taken to prevent further violations of my rights.

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