Consumer complaint received 2025-09-05 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: CA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies and unauthorized items on my credit report, including an incorrect address and several charge-off accounts I never authorized. These items violate the Fair Credit Reporting Act ( FCRA ) Sections 602, 607, 609, 611, 623, 1681i, 1681e ( b ), 1681s-2, 1681n, and 1681o, which guarantee accurate, complete, and verifiable reporting. The false reporting has caused financial harm, emotional XXXX, and denial of credit opportunities. I request immediate CFPB oversight to ensure reinvestigation, verification, and correction or removal of all inaccurate items. 

Bankruptcy XXXX Bankruptcy XXXX Reference # XXXX This bankruptcy is being reported on my file without any proper verification or supporting documentation. I have never filed for bankruptcy, and reporting such a serious negative public record without proof is reckless and unlawful. Under Section 611 of the FCRA, if an item can not be verified directly with the original source, it must be deleted. Third-party databases or assumptions are not sufficient ; the law requires direct confirmation from the courthouse. To this day, you have failed to produce any signed, official, and verifiable record from the XXXX Bankruptcy XXXX proving that this bankruptcy belongs to me. Without that documentation, its continued reporting violates both the FCRA and fair consumer reporting practices. This false bankruptcy is not only inaccurate but also extremely damaging, as it suggests financial failure that never occurred. Because no evidence supports this entry, it must be permanently deleted from my credit file immediately. 

Inquiry XXXX XX/XX/year> This inquiry was reported on my file without my knowledge or authorization. I never gave consent to XXXX XXXX  or any of its affiliates to pull my credit report on that date. Under the FCRA, a hard inquiry can only be made with a permissible purpose, such as a credit application I authorized. Since no such application exists, this inquiry violates my rights. Unauthorized inquiries are considered a form of inaccurate reporting because they imply that I am seeking new credit when I am not. This damages my credit score and creates a false impression to potential lenders. The burden is on you to ensure that every inquiry reported is legitimate and authorized. Since you can not prove my written consent or application connected to this inquiry, it is unlawful for you to continue reporting it. The only proper course of action is to delete this entry immediately from my credit file. 

I respectfully request the CFPB to ensure that all disputed items, including the incorrect address and all unauthorized accounts, are fully reinvestigated, verified, and corrected or removed in compliance with the FCRA. The ongoing reporting of these inaccuracies has caused substantial financial and emotional harm. I request written confirmation of all corrections and monitoring of responsible agencies and creditors.

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