Consumer complaint received 2025-08-27 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: NV

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint regarding multiple inaccuracies and unauthorized items appearing on my consumer credit report. These errors are causing significant harm to my financial stability, my ability to obtain housing, employment, and credit opportunities. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report, and I request immediate assistance from the CFPB to investigate and enforce compliance with federal law. 

ADDRESSES XXXX XXXX XXXX  XXXX, NV XXXX Law : FCRA 609 & 611 Issue : Wrong Address Story : I never resided at this address, never received mail here, and never used it on any credit application. Keeping this on my credit file creates a misleading history, damages my personal credibility, and makes it appear as if I lived at a location where I never had any connection. This creates a strong risk of mixed files or identity confusion. It must be deleted. 

XXXX XXXX XXXX, CO XXXX Law : FCRA 609 & 611 Issue : Wrong Address Story : This is not and has never been my address. I have no rental history, utility bills, or legal ties to this place. The reporting of this address is a mistake and suggests poor verification standards by the furnishers. Leaving it on my file allows lenders to assume false residency, which could cause credit denials or suspicion of fraud. Delete immediately. 

ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$1100.00} | Status : Chargeoff * * Law : FCRA 611 & 623 Issue : Unverified Chargeoff Story : I do not recognize this account and have never received any documentation proving that I am legally responsible for it. No original signed contract or agreement has been provided by the furnisher. The balance is inconsistent and unverifiable. Reporting this as a chargeoff without evidence misrepresents my credit history and damages my financial reputation. Under FCRA, unverifiable accounts must be deleted. 

INQUIRIES XXXX XXXX XX/XX/XXXX Law : FCRA 604 & 611 Issue : Unauthorized Inquiry Story : I never applied for credit with XXXX XXXX on this date. The inquiry damages my file unfairly. 

XXXX XXXX XX/XX/XXXX Law : FCRA 604 & 611 Issue : Unauthorized Inquiry Story : Duplicate inquiry and unauthorized. It is both misleading and harmful. 

XXXX XX/XX/XXXX Law : FCRA 604 & 611 Issue : Unauthorized Inquiry Story : This inquiry was not authorized by me. No credit application was made. 

XXXX XX/XX/XXXX Law : FCRA 604 & 611 Issue : Unauthorized Inquiry Story : I never consented to this inquiry. It must be deleted as unauthorized. 

XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 & 611 Issue : Unauthorized Inquiry Story : Duplicate XXXX inquiry. No authorization, no permissible purpose. 

I am respectfully requesting that the Consumer Financial Protection Bureau ( CFPB ) step in to enforce my rights under the Fair Credit Reporting Act. These errors and unauthorized activities are severely harming my financial health, opportunities for credit, and overall quality of life. I am asking the CFPB to require the credit bureaus and furnishers to conduct a lawful reinvestigation, provide written proof of verification if they intend to continue reporting, or otherwise delete the inaccurate and unverifiable information immediately. My demand is for full compliance with FCRA, protection against future violations, and correction of all disputed items listed in this complaint.

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