Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding multiple inaccurate, unverifiable, and unauthorized items being reported on my credit report by various entities. These errors are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically sections 602 ( a ), 607 ( b ), 611 ( a ), and 623 ( a ). These violations have caused serious harm to my credit standing, created confusion about my identity, and caused financial and emotional distress. 
XXXX XXXX XXXX XXXX XXXX WRONG ADDRESS This address is not associated with me at any time. I have never lived, received mail, or conducted any financial activity at this location. Reporting this incorrect address creates a misleading and inaccurate record of my personal information, violating my rights under FCRA 607 ( b ) which requires credit bureaus to ensure maximum possible accuracy of consumer information. I demand immediate deletion of this incorrect address from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WRONG ADDRESS I have no connection with this address whatsoever. It appears this may be a case of mixed or merged file error. Under FCRA 611 ( a ), you are required to reinvestigate and delete unverifiable or inaccurate information. Please remove this address promptly. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX BALANCE OWED : {$16000.00} XXXX XXXX XXXX  I have no knowledge or recollection of ever opening an account with this creditor. There is no valid contract, signature, or documented proof that verifies this alleged debt belongs to me. Reporting unverifiable debt is a direct violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting inaccurate information. I demand that this account be deleted immediately from my report unless the creditor provides verifiable documentation bearing my original signature and detailed transaction records. 
XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX BALANCE OWED : {$95.00} XXXX XXXX XXXX This account is being reported inaccurately as a charge-off. I have no knowledge of this debt or any outstanding balance with XXXX. No billing statements or supporting documentation were ever received. Under FCRA 611 ( a ) and 623 ( b ), you are required to verify the accuracy of this account. If the furnisher can not provide legally verifiable proof, this item must be deleted immediately to restore accuracy and compliance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were never authorized by me. I have no business relationship or prior consent with these companies to access my credit file. Under FCRA 604 ( a ) ( 2 ) and 607 ( a ), credit inquiries require permissible purpose and explicit authorization from the consumer. Any inquiry made without such authorization is considered an unauthorized access and must be removed immediately to prevent continued damage to my credit rating and privacy. 
Summary of Harm : Because of these inaccuracies, my credit reputation has been severely affected. I have faced unnecessary denials, financial hardship, and emotional distress due to these false records. I have contacted the credit bureaus to dispute these items, but the issues remain unresolved. I am now escalating this complaint to the CFPB for investigation and enforcement action. 
Requested Action : I respectfully request that the CFPB : 1. Investigate the reporting practices of the following entities : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and related entities XXXX XXXXXXXX and related entities XXXX XXXXXXXX o The credit reporting agencies maintaining the wrong addresses 2. Ensure full deletion of all unverifiable, inaccurate, and unauthorized items from my credit reports.

3. Require the credit bureaus ( XXXX XXXX TransUnion ) to provide written confirmation of removal.

4. Take enforcement action against furnishers and agencies that continue to violate my rights under federal law.

Legal References : This complaint is supported by the following sections of the Fair Credit Reporting Act : 602 ( a ) Accuracy, fairness, and privacy of information.

607 ( b ) Credit bureaus must assure maximum possible accuracy.

611 ( a ) Consumers right to dispute and reinvestigation requirement.

623 ( a ) & ( b ) Furnishers duty to report and verify accurate information.

604 ( a ) ( 2 ) Permissible purposes for accessing a credit report.

I am requesting that the CFPB take prompt action to hold the responsible parties accountable and ensure complete removal of these items from my credit history. Thank you for your time and attention to this serious matter.

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