Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
I am submitting this complaint because my credit report contains multiple errors, unverifiable accounts, wrong addresses, and numerous unauthorized inquiries that violate my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692. These violations have damaged my credit, lowered my score, and caused me stress, embarrassment, and financial hardship. 
Wrong Addresses Reporting XXXX XXXX XXXX XXXXXXXX, CA XXXX Wrong Address XXXXXXXX XXXX XXXX, CA XXXX Wrong Address Issue : These addresses are not associated with me and were falsely reported on my credit file. 
Law : Under FCRA 1681i and 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy and remove any unverifiable or inaccurate information. Reporting wrong addresses creates identity confusion and exposes me to potential identity theft. 
Story : These addresses are damaging because they give the false impression that I have lived in multiple unrelated locations, which is not true. This creates red flags for lenders and creditors, causing unnecessary denials. It also increases the risk that fraudulent accounts may be linked to me. I never resided at these addresses, never received mail there, and never conducted any financial business tied to them. Leaving such false addresses on my credit report directly violates my rights under the FCRA and causes severe harm to my creditworthiness. 
Collection AccountXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} Issue : Reported as a collection account, yet it is not verified as belonging to me. 
Law : FDCPA 809 ( b ) requires debt collectors to provide proper validation of debt. FCRA 1681s-2 prohibits reporting unverifiable accounts.

Story : This account appeared without my knowledge or consent. I never received validation, no original contract, and no statements showing that this debt belongs to me. I have strong reason to believe this may be a mixed file or identity issue. Reporting this account without proof is a violation of both FDCPA and FCRA. This entry has lowered my score, subjected me to embarrassment, and created financial hardships. 
XXXX XXXX Int Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Issue : This collection is inaccurate and unverifiable. 
Law : FDCPA 807 prohibits false or misleading representation of debt. FCRA 1681i requires reinvestigation of disputed items.

Story : I have never received notice of this account. This debt does not belong to me. No contract, no validation, and no itemized breakdown has ever been provided. Allowing this false entry to remain not only damages my credit but violates my rights under the law. This is a clear example of negligent reporting and must be deleted. 
XXXX XXXX XXXX Account # XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$350.00} Issue : Reported as a collection, but unverifiable. 
Law : FDCPA 809 ( b ) and FCRA 1681e ( b ) both require accuracy and validation. 
Story : A debt of this nature should have been validated with original creditor information, statements, and contractual proof. Instead, this account is being reported without adequate evidence. The continued reporting of this debt without validation is unlawful and must be removed immediately. 
Hard Inquiries ( Unauthorized / Excessive ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Issue : These inquiries are excessive and many appear without my written authorization. 
Law : Under FCRA 604, inquiries must be permissible, with consumer authorization or a legitimate business need. Unauthorized inquiries are violations of my consumer rights. 
Story : These multiple inquiries within a short period give the false impression that I am desperately seeking credit, which drastically lowers my score and makes lenders view me as high risk. I never authorized several of these companies to pull my report. This is a violation of my privacy rights under FCRA. The credit bureaus are obligated to ensure that only permissible inquiries are reported, and any inquiry without my consent must be deleted. 
I am demanding that the CFPB investigate this matter fully and require the credit reporting agencies, debt collectors, and data furnishers to : 1. Delete all wrong addresses not belonging to me.

2. Remove all unverifiable and unvalidated collection accounts.

3. Remove all unauthorized or impermissible hard inquiries.

4. Ensure that my credit report reflects only accurate, verified, and lawful information. 
If these errors are not corrected, I am prepared to pursue further action for damages caused by willful and negligent violations of my consumer protection 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 explanation