Consumer complaint received 2025-08-07 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:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against various furnishers and credit reporting agencies for violating the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and my rights as a consumer. I have attempted to resolve these issues directly, but the inaccuracies continue to appear on my credit reports, severely damaging my credit profile, financial opportunities, and personal well-being. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ISSUE : This address is inaccurately being reported on my credit report. I have never lived or received mail at this location. 
LAW : FCRA 1681e ( b ) Credit bureaus are required to maintain accurate and up-to-date information.

STORY : This address may have been fraudulently or mistakenly added during a mixed file incident. This has led to confusion in my personal identification and has caused rejections in employment and loan applications. 
XXXX XXXX Acct : XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$0.00} Status : Charge Off * * ISSUE : No activity yet marked as charge off. Theres no record of usage. 
LAW : FCRA 607 ( b ) CRAs must verify accuracy and must not report unverifiable information. 
STORY : I never activated or used this account. This seems like an internal error or identity mix-up by the institution. 
XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX High Credit : {$410.00} Status : Duplicate Collection ISSUE : This is a duplicate entry of the earlier XXXX debt, reported twice to inflate negative impact. 
LAW : FCRA 605 Duplicate entries misrepresent the number of delinquent debts.

STORY : This appears to be a clear case of account cloning. Such entries are misleading and unjust, creating an inflated view of my liabilities. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$190.00} Status : Collection * * ISSUE : This debt is unrecognized and unauthorized. 
LAW : FDCPA 809 Debt collectors must provide written validation upon request.

STORY : I have never dealt with this agency. No notice, letter, or statement was ever issued to me. This surprise collection has created barriers in my financial life. 
Inquiries All Dated XX/XX/XXXX to XX/XX/XXXX ( These inquiries occurred in bulk, without my consent, and severely damaged my XXXX XXXX ) XXXX XXXX XXXX ISSUE : Hard inquiries without permissible purpose. 
LAW : FCRA 604 ( a ) ( 3 ) Permissible purpose is required before accessing consumer credit.

STORY : These inquiries happened all within a 2-day period, suggesting possible unauthorized application or a dealer running multiple pulls without my consent. I never agreed to multiple applications or inquiries. These are reckless and damaging. 
XXXX Inquiry Date : XX/XX/XXXX ISSUE : I did not authorize this inquiry nor apply for any credit from XXXXXXXX XXXX 
LAW : FCRA 604 ( a ) Requires written or electronic consent for hard inquiry.

STORY : This inquiry is unknown to me. I did not initiate or approve any Synchrony-related credit request. This is damaging to my credit profile and privacy.

RELIEF REQUESTED : 1. Immediate investigation and removal of inaccurate addresses 2. Full deletion of inaccurate, duplicated, and unverifiable negative accounts 3. Permanent removal of unauthorized inquiries from my credit reports 4. Written confirmation of all corrective actions taken I respectfully urge the CFPB to hold the involved furnishers and credit bureaus accountable for these repeated violations and ensure that my consumer rights under the law are restored. 
Thank you for your assistance.

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