Consumer complaint received 2025-08-22 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 to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 

Address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Law/Issue : Same as above FCRA 609 and 611 accuracy and reinvestigation requirements Story : This is another wrong variation of the above address. It is inaccurate, unverifiable, and does not belong on my consumer file. I am requesting its deletion to ensure my credit report reflects only correct identifying information Account XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$690.00} Charge Off Law/Issue : FCRA 611 ( a ) and 609 ( a ) ( 1 ) give me the right to dispute and request verification of all reported accounts. If the creditor can not fully verify with original signed documents and complete payment history, the account must be deleted. Reporting unverifiable or inaccurate charge-off data also violates FCRA 607 ( b ) requiring maximum accuracy Story : I dispute this charge-off as it does not belong to me. No original contract or signed documentation has been provided proving I am responsible for this debt. Continuing to report this as accurate without proper verification is unlawful. I request immediate deletion of this account Inquiry XXXX  XX/XX/XXXX Law/Issue : FCRA 604 requires permissible purpose for all inquiries. If a company accessed my credit report without my authorization or a legitimate business reason, it is a violation. Unverified or unauthorized inquiries must be removed under FCRA 611 Story : I never authorized XXXX to pull my credit on this date. This inquiry is damaging my credit score and is not connected to any application I submitted. I demand its deletion for lack of permissible purpose I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

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