Consumer complaint received 2025-08-20 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: LA

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies for knowingly reporting false, inaccurate, and unverified information on my consumer credit report. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 602 ( A ) which states that consumer reporting agencies must assure maximum possible accuracy of information. The following accounts and inquiries are incorrect, incomplete, or not verifiable, and I am demanding immediate reinvestigation and deletion. These items are causing me severe financial harm, loss of credit opportunities, denial of loans, higher interest rates, and emotional distress. I never authorized nor consented to these items being reported in such a false and damaging way. I am attaching my full list of disputes below and I request the CFPB to hold the credit bureaus accountable for failing their duty to maintain accurate records. 

Address XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX Law/Issue : FCRA 609 and 611 accuracy requirement.

Story : This is a duplicate variation of another incorrect address. I have never lived here and it has nothing to do with me. Reporting multiple versions of false addresses makes my report appear unstable and inaccurate. 

Address XXXX XXXX XXXX XXXX, LA XXXX Law/Issue : FCRA 609 and 611 accuracy requirement.

Story : I have never been associated with this address in any capacity. It was wrongly added to my credit file and is not tied to any valid financial or personal history of mine. 

Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law/Issue : FCRA 602A, 607 ( b ), and 609 require accurate and verifiable reporting.

Story : This account is showing a late payment, yet the balance reflects {$0.00}. That is contradictory and inaccurate. I can not have been late on a {$0.00} balance. This clearly indicates reporting errors. Unless the furnisher provides full validation with complete payment records and proof of liability, the late payment notation must be deleted immediately. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$180.00} Collection Law/Issue : FCRA 607 ( b ) requires maximum accuracy, and FDCPA 807 prohibits false or misleading debt collection reporting.

Story : This collection account is being reported without proof that I owe this debt. I never received a notice of debt validation, no original signed agreement has been provided, and there is no verifiable proof linking me to this alleged account. Since this debt can not be validated with original documentation, the collection is inaccurate and must be removed. 

Inquiry XXXX  XXXX XX/XX/XXXX Law/Issue : FCRA 604 requires permissible purpose for inquiries. 
Story : I did not authorize this credit inquiry. It was done without my consent and is lowering my credit score unfairly. Unauthorized inquiries violate my rights and must be deleted immediately.

Inquiry XXXXXXXX XX/XX/XXXX Law/Issue : FCRA 604 permissible purpose violation. 
Story : I never applied for credit with this company at that time. This inquiry was not authorized by me, making it invalid and damaging to my credit profile. 

Inquiry XXXX XXXX  XX/XX/XXXX Law/Issue : FCRA 604 permissible purpose violation.

Story : This inquiry was made without my knowledge or consent. I had no application or account with XXXX XXXX. It is unauthorized and must be removed. 

I request that the CFPB take immediate action against the credit reporting agencies for failing to maintain maximum possible accuracy, failing to properly reinvestigate, and for allowing unauthorized inquiries on my report. These errors are causing me ongoing financial and emotional harm. I demand that the CFPB direct the agencies to delete these inaccurate accounts and inquiries permanently and hold them accountable for violating the Fair Credit Reporting Act.

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