Consumer complaint received 2025-07-31 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:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against multiple credit furnishers and credit reporting agencies for reporting inaccurate personal information, unauthorized hard inquiries, and false account statuses on my credit report in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX Issue : I have never lived at this address or used it for any financial purpose. Its presence on my credit report is inaccurate. 
Law : FCRA 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to ensure maximum possible accuracy.

Story : This address caused identity confusion with lenders. I faced credit application denials due to mismatching residency history. I demand immediate deletion. 
XXXX XXXX XXXX XXXX, MI XXXX Issue : This is not my address and was never associated with me at any point. 
Law : Under FCRA 1681c, outdated or incorrect personal identifying information should not be reported. 
XXXX : The inclusion of this address has raised fraud alerts during job and loan verifications. I have received notices for someone else 's activities. This must be removed. 
XXXX XXXX XXXX | XXXXXXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$1500.00} * * Issue : Late payments reported are incorrect. I made payments consistently. 
Law : Under FCRA 1681s-2 ( a ), furnishers must report accurate data.

Story : This wrongful late mark blocked me from refinancing my auto loan. I lost a lower interest offer due to their inaccurate reporting. Please delete or correct. 
XXXX | XXXXXXXX XXXX XXXX  | Opened : XX/XX/XXXX | XXXX : {$0.00} | Status : Charge-Off * * Issue : This account is charged-off with {$0.00} balance, which is contradictory. 
Law : FCRA 1681i mandates removal of unverifiable or contradictory data.

Story : The contradictory reporting damaged my credit profile and made lenders question my reliability. I demand removal of this negative status or correction. 
XXXX | XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Charge-Off * * Issue : Charged-off account with no clear validation or final status documentation. 
Law : Under FCRA and FDCPA, any charged-off debt must be verifiable and legally collectable.

Story : I never received any validation notice, yet this charge-off appeared. It lowered my score, and now Im considered high risk by lenders. This is unjustified.

Hard Inquiries ( Unauthorized ) : XXXXXXXX XXXX | XX/XX/XXXX Issue : Duplicate inquiry without valid cause. 
Law : FCRA 604 ( b ) prohibits multiple hard inquiries without new authorization. 
Story : I was pressured into financing options and misled about the inquiry. They pulled my credit multiple times, unfairly hurting my credit score. 
XXXX XXXX | XX/XX/XXXX Issue : No account or service was opened with XXXX. 
Law : Pulling credit without service activation is a violation. 
Story : I never completed the signup process. This inquiry was done preemptively and without final consent. I request immediate removal. 
XXXX | XX/XX/XXXX Issue : Unfamiliar inquiry. I did not apply. 
Law : Unpermitted inquiry violates FCRA permissible purpose clause.

Story : I noticed this pull while monitoring my report. No account was opened, and no application submitted. This is likely unauthorized or fraudulent. 
XXXX XXXX | XX/XX/XXXX Issue : No known relation to this company or its services. 
Law : Credit access requires a firm offer or consumer initiation. 
Story : I was never contacted by this company. The inquiry is unexplainable and unauthorized. 
XXXX  | XX/XX/XXXX Issue : Inquiry linked to auto loan pre-approval I didnt complete. 
Law : Inquiries must be tied to executed applications. 
Story : They ran my credit after an online inquiry form without my explicit confirmation. This is misleading and should be removed. 
XXXX XXXX | XX/XX/XXXX Issue : Duplicate auto finance inquiry made without my final authorization. 
Law : Multiple pulls within a short time frame without direct consent violate fair use. 
Story : I test drove a car but didnt finalize financing. They used that as a reason to hard pull my credit. This is unacceptable. 
XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX Issue : Excessive and grouped auto loan inquiries during a single period without my knowledge. 
Law : FCRA allows for rate shopping, but each inquiry must still be consented to. 
Story : I visited a dealer who shared my info with multiple lenders without informing me. This resulted in a cluster of hard inquiries that dropped my score by over XXXX points. I was deceived and never approved these submissions. 
ACTION REQUESTED : Remove all inaccurate addresses listed above. 
Delete or correct all disputed account data that is unverifiable or erroneous. 
Remove all unauthorized hard inquiries from my credit report. 
Conduct a full investigation into the reporting practices of the listed furnishers and inquiry initiators. 
Ensure that the credit reporting agencies update my report and notify all data furnishers of the corrections. 
These inaccuracies have had a significant negative effect on my creditworthiness, emotional well-being, and access to necessary financial products. I have made prior attempts to resolve this with the credit bureaus, but the issues remain unresolved. 
I respectfully request the CFPB to investigate this matter and take appropriate regulatory or legal action against the responsible entities.

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