Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
This is a formal complaint regarding multiple inaccuracies and unauthorized reporting appearing on my credit report. The information being reported does not reflect accurate, verified, or lawfully maintained data under the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB to take immediate investigation and enforcement action to ensure compliance by the furnishers and credit reporting agencies involved. These errors have caused me significant harm, including credit denials and emotional XXXX, due to the unlawful and negligent handling of my consumer information. 

Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX This address has no verified connection to me or any open or closed account. Failure to delete this unverified address after multiple disputes breaches the requirement of reasonable procedures under FCRA 607 ( b ) and 611 ( a ) ( 5 ). This negligence demonstrates a lack of compliance with consumer protection standards set by federal law. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This account reflects an inaccurate late payment, which is false and not verified through any supporting documentation. Reporting an erroneous late payment on a paid or closed account violates FCRA 623 ( a ) ( 1 ) ( A ) because furnishers can not report information they know or have reasonable cause to believe is inaccurate. Under 611 ( a ), if verification can not be confirmed with certified records, the item must be deleted immediately. The bureaus failure to correct this item after prior notices is a continued violation of 616, which permits legal action for willful noncompliance. 

Inquiry : XXXX XX/XX/XXXX This inquiry was unauthorized and made without my written consent or permissible purpose under FCRA 604 ( a ) ( 2 ) and 604 ( f ). Any inquiry not initiated by the consumer must be removed unless explicit authorization exists. Retaining this inquiry after dispute reflects negligence in ensuring accuracy under 607 ( b ). 

XXXX XXXX  XX/XX/XXXX This inquiry was not authorized or initiated by me and therefore constitutes a violation of FCRA 604 ( a ). My credit file should not reflect inquiries from entities that lacked my consent. Continued reporting of this unauthorized inquiry breaches FCRA 607 ( b ) accuracy requirements and 611 ( a ) ( 1 ) ( A ) reinvestigation standards.

I am requesting the CFPB to investigate these violations, demand documentation of permissible purpose and verification from the data furnishers, and take appropriate action to ensure the deletion or correction of all inaccurate and unauthorized information. The continuous mishandling and negligence of my personal data by these entities directly violate my rights under the FCRA and FDCPA. I demand full accountability, correction of errors, and necessary regulatory enforcement for the damages suffered.

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