Consumer complaint received 2025-08-05 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: MI

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate, unverifiable, and unauthorized items being reported on my credit file by various data furnishers and credit reporting agencies ( Equifax, Experian, and TransUnion ). These inaccuracies have significantly affected my financial stability, creditworthiness, and overall well-being. I have attached supporting documentation and I respectfully request a thorough investigation and appropriate corrective action. 
XXXX XXXX XXXX XXXX, TN XXXX Wrong Address Issue : I have never resided at this address. 
Law : Per FCRA 602 A, inaccurate personal identifiers can result in a mixed file. 
Story : I believe this address was incorrectly added due to identity confusion or file merging, and it is affecting my creditworthiness during employment and housing screenings. 
XXXX XXXX  XXXX XXXX, TN XXXX Wrong Address Issue : This address is not associated with me at any point. 
Law : Under FCRA 611, I have the right to dispute and have inaccurate information corrected or deleted.

Story : This address is completely unfamiliar to me and may have been reported in error due to someone with a similar name. Its causing serious complications in verifying my identity. 
XXXX XXXX XXXX Collection Date Opened : XX/XX/XXXX Balance : {$62.00} Issue : This account is inaccurate and unverifiable. I do not owe this debt. 
Law : FCRA 609 ( a ) ( 1 ) grants me the right to request validation of any debt reported. 
Story : I have received no communication regarding this debt, and it was never disclosed to me prior to its appearance on my report. 
XXXX XXXX XXXX  XXXX Collection Date Opened : XX/XX/XXXX Balance : {$830.00} Issue : No prior notice or validation of debt. 
Law : FDCPA 809 requires debt collectors to validate the debt upon request.

Story : This collection was a shock to me. Its possibly the result of a billing error that spiraled out of control without my knowledge. 
XXXX XXXX Charge Off Date Opened : XX/XX/XXXX Balance : {$1500.00} Issue : The charge-off is inaccurate and does not reflect my payment history. 
Law : Per FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report inaccurate information. 
Story : I experienced a temporary loss of income due to medical reasons and attempted to communicate with the creditor, but they proceeded without considering hardship. 
XXXX XXXX XXXX XXXXXXXX Collection Date Opened : XX/XX/XXXX Balance : {$230.00} Issue : No notice of debt and no validation provided. 
Law : Per FDCPA 809 ( b ), the collector must provide validation upon written request. 
Story : I was unaware of this debt and have never received any documentation verifying its legitimacy. 
XXXX XXXX XXXX Date : XX/XX/XXXX Issue : Hard inquiry was conducted without my authorization. 
Law : FCRA 604 ( a ) ( 3 ) states that inquiries must be permissible and initiated by the consumer. 
Story : I did not apply for any services from XXXX XXXX, and this inquiry has negatively impacted my score. 
XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : I did not initiate any application with XXXX. 
Law : Under FCRA 604 ( c ), inquiries must have consumer consent. 
Story : I was alerted about this pull through a credit monitoring service. I suspect unauthorized access to my credit file. 
XXXX  XXXX XXXX Date : XX/XX/XXXX Issue : Multiple inquiries without my consent. 
Law : FCRA 604 ( a ) requires permissible purpose for credit inquiries. 
Story : These inquiries were not authorized by me and may have been made in error by an affiliate company.

Request for Relief : I respectfully request that the CFPB investigate these issues and direct the relevant credit reporting agencies and furnishers to : 1. Delete all incorrect addresses listed above from my credit profile 2. Remove or correct all inaccurate, unverifiable, and unauthorized accounts and collections 3. Delete all unauthorized hard inquiries that were made without my consent 4. Provide written confirmation of each correction 5. Ensure that all future reporting complies with the FCRA and FDCPA This matter is urgent and is severely impacting my financial recovery, mental health, and ability to secure housing, employment, and credit. I am simply asking for what the law guarantees me : a fair, accurate, and verifiable credit report.

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