Consumer complaint received 2025-08-03 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against the credit reporting agencies and certain furnishers who have reported inaccurate, unauthorized, and unverified information on my credit report. This has resulted in damage to my creditworthiness, personal stress, and unjust denials of financial services. Below are the specific issues I am facing : XXXXXXXX XXXX XXXX XXXX XXXXXXXX WRONG ADDRESS Issue : I have never lived at this address nor had any connection to it. It is false and inaccurately reported on my credit file Law : FCRA 607 ( b ) mandates that consumer reporting agencies maintain maximum possible accuracy in the information they report Story : I have never resided at or had any contact with this address in any way. I do not know anyone who lives there, and no legitimate business or personal transaction of mine has ever been tied to that location. When I saw this address on my credit report, I was alarmed and confused. Ive always been extremely careful about my credit and personal identity, and seeing an unknown address linked to my name made me fear for possible identity theft or credit file mixing. This is damaging to my creditworthiness and personal security, and I request immediate removal XXXXXXXX XXXX XXXXXXXX, MI XXXX WRONG ADDRESS Issue : I have never lived at or used this address in any way. It should not appear on my credit report Law : FCRA 611 requires credit bureaus to reinvestigate disputed information. FCRA 605B allows blocking of false data suspected to be the result of identity theft Story : I do not recognize this address and never applied for credit, utility services, or filed taxes using this location. This is not an old residence, relatives home, or former mailing address. I noticed this inaccurate data while applying for credit, and it delayed my approval. This error is costing me financially, and I am deeply concerned that someone may have fraudulently used my information. I demand this address be immediately deleted from my file XXXX XXXX ACCOUNT XXXX High Balance : {$500.00} | Opened : XX/XX/year> Issue : I have no knowledge of this account and never received any bill, call, or letter from XXXX. I dispute the validity of this debt XXXX : FCRA 609 and 611 require consumer reporting agencies to verify disputed accounts. FDCPA 809 requires that debt collectors validate any debt upon request Story : I have never received any notice or communication about this collection from XXXX, and I do not acknowledge owing this amount. Ive maintained organized records of my credit obligations and this account is unfamiliar to me. Its appearance on my report has lowered my score and harmed my financial reputation. This account may have resulted from misreporting, error, or identity theft. I demand that it be removed unless verified with proper documentation. I am entitled to a full investigation and deletion if the information is inaccurate or unverifiable XXXX XXXX XXXX XXXX Date : XX/XX/year> Issue : I never applied for any service or product from XXXX XXXX This inquiry is completely unauthorized Law : FCRA XXXX requires consumer consent and proper purpose for accessing a credit report Story : This inquiry was not initiated by me, and I have never had any relationship with XXXX XXXX I maintain close control over my credit activity, and I would never authorize such access. This could be the result of a credit file mix-up or attempted fraud. I demand the immediate removal of this unauthorized inquiry and a full investigation SYNCB INQUIRY Date : XX/XX/year> Issue : I did not authorize XXXXXXXX XXXX to perform this inquiry Law : FCRA 604 requires that a credit report may only be accessed with a permissible purpose and the consumers consent Story : I have never applied for any XXXXXXXX XXXX account, retail card, or service around this date or at any time relevant to this inquiry. I believe this inquiry was done without my knowledge or authorization, which is illegal. It has negatively impacted my score and trust in the system. Please remove this immediately and confirm the action in writing Final Summary and Action Requested : I am demanding that all the above inaccuracies and violations be addressed with urgency. These entries not only violate federal law, but also cause ongoing harm to my credit, job prospects, and financial access. I request that the CFPB enforce my rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. If the furnishers or credit bureaus are unable to verify these entries, they must be permanently removed as required by FCRA 1681i. 
Please contact me for any documentation needed to support my claims. I expect to receive written confirmation that this matter has been investigated and 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 explanation