Consumer complaint received 2025-08-01 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:
To Whom It May Concern at the CFPB, I am filing this formal complaint due to multiple inaccuracies and reporting violations appearing on my credit reports, which have caused significant financial and emotional harm. Despite prior disputes, the following incorrect addresses, unauthorized inquiries, and inaccurately reported accounts continue to remain on my credit file in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address Issue : I have never lived at or been associated with this address.

Law : Under FCRA 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy.

Story : I am shocked to see this address on my credit report. I have never visited or lived in XXXX XXXX. This is likely the result of a mixed file error or someone fraudulently using my information. This false address causes confusion for lenders and delays in approvals. It falsely indicates instability in my residence history, which hurts my ability to secure housing or auto financing. 
XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : Inaccurately listed as a prior residence.

Law : FCRA 1681c ( a ) ( 4 ) prohibits inclusion of outdated or incorrect address information.

Story : I have no connection to XXXX XXXX. Ive never resided at this address, nor authorized anyone to use my information in that location. This error may be linked to an identity theft or data confusion issue. I am concerned that someone elses information has been merged into my file. I need this address deleted to avoid further confusion, fraud risk, and mistaken denials from
landlords or lenders. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address Issue : False and unverifiable address still remains despite past dispute.

Law : Under FCRA 1681i ( a ) ( 5 ) ( A ), inaccurate information must be deleted if it can not be verified.

Story : This address appeared on my report without any justification. I have disputed it previously, yet no corrective action was taken. Ive had to explain this to landlords, which was humiliating. It suggests Im hiding something when in fact the credit bureau failed to validate the data. This delay has harmed my housing applications and mental health due to constant rejections. 
XXXX XXXX High Balance : {$980.00} Date Opened : XX/XX/XXXX Status : Charge Off Issue : Account reported as charge-off without proper notice or validation.

Law : FCRA 1681s-2 ( a ) and FDCPA 809 ( a ) require proper notice and validation before adverse reporting.

Story : This account was charged off without any warning. I never received any notices or a chance to settle. When I contacted the creditor, they refused to provide full payment history or original agreements. This account may have been opened through a fraudulent process or reporting errors. Because of this, Ive been denied two credit cards and one emergency loan. This charge-off is harming me unfairly and without cause. If it can not be validated, it must be deleted. 
XXXX XXXXXXXX XXXX High Balance : {$520.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : Late payment reported during hardship without accommodation.

Law : FCRA 1681s-2 ( b ) and CFPB guidance require accurate reporting and reasonable accommodations during hardship.

Story : During this time, I was recovering from XXXX and my income dropped significantly. I notified the creditor and asked for a short-term deferment. Instead of working with me, they reported me late. I was devastatedmy credit score dropped over XXXX points. Its cruel and unfair. I did not ignore my obligation ; I asked for help and was punished instead. I respectfully request reconsideration and correction of this payment history due to the circumstances. 
XXXX XXXX XXXX High Balance : {$470.00} Date Opened : XX/XX/XXXX Status : Charge Off Issue : Invalid debt, never notified or validated.

Law : FDCPA 809 ( a ) requires debt collectors to send written validation notice within 5 days of first contact.

Story : I have never received any collection letter, statement, or bill from XXXX. I do not know what this debt is, where it came from, or why it's there. It may have been a medical bill sent to the wrong person or even the result of stolen identity. I only learned about it when trying to rent an apartment, and it cost me the opportunity. This collection is false and should be removed if it can not be validated with clear and complete documentation. 
XXXX Inquiry Dated XX/XX/XXXX Issue : Unauthorized hard inquiry. 
Law : FCRA 1681b requires a permissible purpose for accessing a consumers credit file.

Story : I did not apply for any credit or authorize a credit pull from XXXX XXXX This hard inquiry lowered my score and was made without my knowledge. I fear my personal data was used without consent. This breach of privacy has affected my peace of mind and creditworthiness. I demand it be removed immediately and investigated as potential fraud. 
XXXX XXXXXXXX Inquiry Dated XX/XX/XXXX Issue : Unapproved credit inquiry. 
Law : FCRA 604 ( a ) ( 3 ) allows access only with a permissible purpose, such as a consumer-initiated application.

Story : I did not initiate any application or request credit from XXXX XXXX on this date. I believe this may be a result of an automated system or an error, but the impact on my credit score is real and damaging. This false inquiry shows up to lenders and makes it seem like Im frequently seeking credit when Im not. Please remove this entry and prevent further damage to my reputation.

REQUEST FOR ACTION : I am respectfully asking the Consumer Financial Protection Bureau to : Investigate these credit reporting errors.

Require the credit bureaus and furnishers to provide documentation or remove the unverified items.

Ensure I receive full written responses and confirmations for all deletions.

Penalize any institution that fails to comply with federal law.

These errors are not just clerical ; they have real consequences. I have been denied credit, housing, and peace of mind due to these inaccuracies. I need immediate relief and your assistance in ensuring my rights are protected.

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