Consumer complaint received 2025-11-05 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: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against the major credit reporting agencies ( XXXX, XXXX, and TransUnion ) for willfully and negligently reporting multiple false and unverified items on my credit file, resulting in significant harm to my credit reputation, denial of credit opportunities, and emotional distress. 
Despite my repeated efforts to dispute these inaccuracies directly with the bureaus, the same errors continue to appear on my report without any proper investigation or documentation. The following information is inaccurate, unverifiable, and violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 
WRONG ADDRESSES REPORTED XXXX XXXX XXXXXXXX XXXX XXXX This address is completely incorrect and has no relation to me. I have never lived, worked, or received mail at this location. Reporting it on my file creates a false identity trail and compromises my privacy and safety. 

BANKRUPTCY REPORTING ERRORS XXXX  XXXX Bankruptcy Date Filed XX/XX/XXXX Reference XXXX I dispute the accuracy, validity, and completeness of both of these bankruptcy records. I have never filed for any bankruptcy under these references. If this data was obtained from a public record, then under FCRA 607 ( b ), the bureau is required to ensure maximum possible accuracy. These entries are causing severe damage to my creditworthiness and must be deleted unless verifiable court-certified documentation is provided directly to me. 
UNAUTHORIZED AND IMPROPER CREDIT INQUIRIES XXXX XXXX XX/XX/XXXX PERFORMANCE XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have not authorized, applied for credit, or granted permission for these companies to access my credit file. Under FCRA 604 ( a ) ( 2 ) and 609 ( a ) ( 3 ), each inquiry must be permissible and initiated by the consumer. Since I did not initiate or consent to any of these inquiries, I am requesting immediate removal and documentation proving written authorization for each. 
LEGAL VIOLATIONS AND NEGLIGENCE These actions collectively violate multiple sections of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 602 ( A ) : Ensuring fairness, accuracy, and privacy in credit reporting.

607 ( B ) : Obligation to assure maximum possible accuracy of consumer reports.

611 ( A ) : Requirement to reinvestigate disputed information within 30 days.

604 ( A ) ( 2 ) : Limitation on access to consumer reports without authorization. 
Because of these violations, I have suffered financial and emotional damage. My creditworthiness has been harmed, I have been denied fair access to credit, and my personal identity has been exposed to risk through false address linkages and unauthorized credit checks. 
RELIEF REQUESTED I respectfully request the CFPB to : XXXX. Conduct a full investigation into the negligent handling of my disputes by XXXX, XXXX, and TransUnion. 
XXXX. Compel the removal of all incorrect addresses, false bankruptcy records, and unauthorized inquiries from my credit reports. 
XXXX. Require each credit bureau to provide written confirmation verifying the deletion of these items and certification of compliance with the FCRA. 
XXXX. Enforce penalties or corrective actions against the credit bureaus for repeated noncompliance and violation of consumer protection laws. 
I have enclosed copies of my identification, proof of current address, and copies of my previous dispute letters sent to the credit bureaus for your review. I am seeking your immediate assistance to ensure that my credit report reflects only true, verified, and accurate information, as required by law. 
Thank you for your attention to this matter. I trust that the CFPB will act promptly to ensure justice, accuracy, and accountability in the reporting of my personal credit information.

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