Consumer complaint received 2025-09-26 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:
b'To the Consumer Financial Protection Bureau: I am filing this complaint regarding multiple inaccuracies on my credit report that have caused and continue to cause significant financial harm, misrepresentation of my creditworthiness, and denial of credit opportunities. Under the Fair Credit Reporting Act (FCRA) 15 U.S.C. 1681, credit reporting agencies are required to maintain accurate information, investigate disputes, and correct or delete unverifiable information. Despite prior attempts to resolve these errors directly with the reporting agencies, the inaccuracies persist, and I am requesting immediate intervention by the CFPB to ensure full correction.\n\nAddresses:\nXXXX XXXX XXXX XXXX XXXX\nStory: I have never had any association with this address. Any account activity reported under this location is not mine. Its presence misleads creditors and may result in false assumptions about my financial history or residence. Reporting this address could trigger erroneous collection actions or credit denials. I maintain a verifiable record of all my residences, and this address does not appear anywhere in my history. Including this location misrepresents my personal information and creates unnecessary risk. Misreporting of addresses undermines the credibility of my credit report. I request this address be investigated thoroughly and removed from my credit history. Accurate reporting is essential to protect my rights and prevent potential identity issues. Its continued reporting constitutes a violation of federal law. Prompt removal is necessary to ensure my credit file reflects only verified and accurate information.\nLaw/Issue: FCRA  1681i(a) ensures reasonable reinvestigation.  1681e(b) requires that all reported addresses are accurate and verifiable.\n\XXXX XXXX XXXX XXXX XXXX XXXX\nStory: I have no connection to this property. Any reported activity linked to this address is false. Reporting this address misrepresents my residence history, which can negatively impact my credit evaluations. Its presence on my report could lead to wrongful assumptions about my identity or financial behavior. I have not authorized any accounts or credit activity tied to this location. This misinformation can contribute to potential fraud, affect my ability to access loans, and harm my credit score. I request verification of any information tied to this address. Reporting inaccurate addresses violates my rights and misleads financial institutions. I have records proving I never resided here. Removing this address is essential to prevent further damage to my credit profile. Its continued reporting reflects non-compliance with federal accuracy standards. Immediate correction is required to protect my credit integrity.\nLaw/Issue: FCRA  1681i(a) guarantees reinvestigation.  1681e(b) requires accurate reporting; misreporting addresses constitutes a violation.\n\nAccount:\nXXXX XXXX XXXX XXXX | Date Opened: XXXX | Balance Owed: XXXX | Collection*\nStory: I dispute this collection. I have no record of owing this balance and never received notice of default. Reporting this collection falsely impacts my credit and may cause lenders to view me as high-risk. I request verification of this debt with all supporting documentation. Its continued presence is misleading and harmful, affecting my financial opportunities. I have checked my personal records, and no agreement exists for this account. I demand removal if unverifiable. Reporting inaccurate collections violates my consumer rights and causes reputational harm. This erroneous collection affects my ability to obtain loans, credit cards, and other financial products. Immediate action is required to prevent continued damage. I insist the bureau confirms this debt is valid or removes it. Accurate reporting is essential for fair credit evaluation.\nLaw/Issue: FCRA  1681i(a) requires reinvestigation.  1681e(b) ensures collections reported are verified and accurate.\n\nXXXX XXXX | Inquiry XXXX\nStory: I did not authorize this hard inquiry. Reporting unauthorized inquiries negatively affects my credit score and misrepresents my credit-seeking behavior. Unauthorized inquiries may cause lenders to incorrectly deny credit. I did not initiate any application with XXXX XXXX on this date. I request immediate removal and documentation proving authorization. Unauthorized reporting violates my consumer rights and the FCRA. This inquiry creates an inaccurate credit profile and can affect insurance, employment, or rental applications. I insist the bureau verify authorization or delete the inquiry. Accurate reporting is critical to maintain the integrity of my credit report. Continuous unauthorized reporting constitutes harm. Immediate corrective action is required.\nLaw/Issue: FCRA  1681b(f) restricts access to authorized parties. Reporting an unauthorized inquiry violates this statute and my rights.\n\nThe repeated presence of inaccurate addresses, accounts, and unauthorized inquiries violates my rights under FCRA  1681i(a) and 1681e(b). These inaccuracies have caused measurable harm to my creditworthiness, financial reputation, and access to services. I demand a full reinvestigation of all disputed items, verification of all account data, and immediate removal of unverifiable or inaccurate information. Failure to comply will leave me no option but to pursue legal remedies under FCRA and other consumer protection statutes. Accurate reporting is critical to protect consumers and ensure fair evaluation of creditworthiness.\n\nIn conclusion, the inaccurate address, false collection account, and unauthorized inquiry described above are clear violations of my rights under the Fair Credit Reporting Act (15 U.S.C. 1681) and have caused significant financial and reputational harm. I am requesting the CFPB to investigate these issues, require the credit reporting agencies to reinvestigate and correct or delete the inaccurate entries, and provide written confirmation of the results. Prompt action is required to prevent further violations of federal law and continued damage to my credit profile.'

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