Consumer complaint received 2025-10-03 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: AZ

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unauthorized, and misleading accounts reporting on my credit report associated with my address at XXXX XXXX XXXX  XXXX, CA XXXX. These accounts are harming my creditworthiness, creating undue stress, and appear to violate multiple consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting immediate investigation and correction of these accounts. 

Addresses : XXXX XXXX XXXX, AZ XXXX I have never resided at this address and reporting it violates FCRA 1681e ( b ) because it is inaccurate. This false information misrepresents my residency history and may mislead creditors. I have never signed any lease or agreement at this location and have never received mail here. There is no verification linking me to this address and its inclusion is materially misleading under FCRA 1681i ( a ) ( 1 ) ( A ). This address harms my credit profile, may affect loan approvals, and should be removed immediately. Its continued reporting violates federal law and I dispute this entry in full. 

XXXX XXXX XXXX, AZ XXXX I have never lived at this address and it is reported erroneously. Reporting it violates FCRA 1681e ( b ) and may mislead creditors into assuming false residency. There is no legal or contractual connection between me and this address and I have never received mail here. Verification under FCRA 1681i ( a ) is required, and if unverifiable, the address must be removed. Its presence harms my credit profile, may prevent loan approvals, and misrepresents my personal history. I dispute this entry entirely and demand immediate deletion. 

Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$310.00}. I dispute this late payment because I have never been properly notified of any delinquency. No verification has been provided, which violates FCRA 1681i ( a ) and it is materially misleading under 1681e ( b ). This reporting harms my credit score and prevents me from obtaining loans. There is no signed agreement proving my liability and maintaining this entry is illegal if unverifiable. I request immediate deletion if verification can not be provided. Its presence damages me financially and reputationally and affects my ability to open credit accounts. I dispute this account entirely, demand full investigation, and require immediate correction under the law. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$110.00}. This collection account is not mine and reporting it violates FCRA 1681i ( a ). I never received notice and no documentation links me to this debt, violating 1681e ( b ). Its reporting harms my credit score and may mislead lenders. I dispute this account fully and demand verification. If unverifiable, it must be deleted immediately. Maintaining it is materially misleading, damages my credit, and prevents account openings. I request immediate correction and reinvestigation under federal law. 

Inquiries : XXXX  XXXX XXXX XXXX Inquiry. This inquiry was unauthorized and violates FCRA 1681b ( f ). I never applied for credit with this company. Reporting it harms my credit score and misleads lenders. Maintaining it is illegal and materially misleading. It affects my ability to obtain future credit. I dispute this inquiry entirely and demand immediate removal. The bureau must verify authorization, and if none exists, it must be deleted. Unauthorized reporting creates a false record of my credit activity. It is misleading to lenders and other institutions. I request written confirmation of its removal. Immediate correction is required under federal law. Its continued reporting is a violation of FCRA. 

XXXX Inquiry XX/XX/XXXX. I never applied for credit with XXXX and this inquiry was unauthorized. Reporting it violates FCRA 1681b ( f ). Its presence on my report harms my credit score. Lenders may incorrectly assume I sought credit. I dispute this inquiry fully. The bureau must verify its legitimacy. If no authorization exists, it must be deleted. Maintaining it misrepresents my credit history. It affects my ability to open new accounts. Immediate removal and written confirmation are required. Unauthorized inquiries are illegal under federal law. I request prompt correction and reinvestigation. 

XXXX XXXX XXXX XX/XX/XXXX. This inquiry was made without my authorization and violates FCRA 1681b ( f ). I never applied for financing with XXXX  XXXX. Its presence harms my creditworthiness and may mislead lenders. I dispute it entirely. The bureau must verify authorization, and if unverifiable, delete the entry. Maintaining it is materially misleading and illegal. It misrepresents my credit activity. This inquiry affects my ability to secure future credit. I request written confirmation of its removal. Immediate correction is required under federal law. Its continued reporting violates FCRA. 

XXXX XXXX XXXX XX/XX/XXXX. I never authorized this inquiry and reporting it violates FCRA 1681b ( f ). I never applied for credit with XXXX XXXX. Its reporting harms my credit profile. Maintaining this inquiry misleads lenders. I dispute this inquiry fully. Verification is required, and if unauthorized, it must be deleted. It creates a false record of my credit activity. It may negatively impact my financial opportunities. Immediate removal and written confirmation are required. Reporting unauthorized inquiries is illegal under federal law. Prompt correction must be completed. 

XXXX Inquiry XX/XX/XXXX. I never applied for credit with XXXX and this inquiry was unauthorized. Its reporting violates FCRA 1681b ( f ). It misleads lenders and negatively affects my credit score. I dispute this inquiry entirely. Verification is required, and if none exists, the bureau must delete it. Maintaining it is materially misleading and illegal. It misrepresents my credit activity. This entry affects my ability to obtain new accounts. Immediate removal and written confirmation are required. Continued reporting is a violation of FCRA. 

XXXX XXXX XXXX XX/XX/XXXX. I never applied for credit with XXXX XXXX and this inquiry was unauthorized. Reporting it violates FCRA 1681b ( f ). Its presence harms my credit score. Lenders may assume I sought credit. I dispute it fully. Verification is required, and if none exists, the entry must be deleted. Maintaining this inquiry misrepresents my credit history. It affects my ability to open accounts. I request immediate removal and written confirmation. Unauthorized inquiries are illegal under federal law. Prompt correction is required. 

XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me and violates FCRA 1681b ( f ). I never applied for credit with XXXX. Its reporting misleads lenders and harms my credit score. I dispute it entirely. Verification is required, and if unauthorized, it must be deleted. Maintaining it is materially misleading and illegal. It misrepresents my credit activity. It negatively affects my ability to obtain credit. Immediate removal and written confirmation are required. Continued reporting violates FCRA. 

XXXX XXXX XXXX Inquiry XX/XX/XXXX. I never applied for credit with XXXX XXXX XXXX and this inquiry was unauthorized. Reporting it violates FCRA 1681b ( f ). Its presence harms my creditworthiness. Lenders may assume I sought credit. I dispute this inquiry fully. Verification is required, and if none exists, deletion is mandatory. Maintaining it is materially misleading and illegal. It misrepresents my credit history. This entry affects my ability to open accounts. Immediate removal and written confirmation are required. Prompt correction must be completed. 

XXXX XXXX Inquiry XX/XX/XXXX. This inquiry was unauthorized and violates FCRA 1681b ( f ). I never applied for credit with this credit union. Its reporting harms my credit score and misleads lenders. I dispute it entirely. Verification is required, and if no authorization exists, it must be deleted. Maintaining it is materially misleading and illegal. It misrepresents my credit activity. This entry affects my ability to obtain new accounts. I demand immediate removal and written confirmation. Continued reporting violates FCRA. 

All accounts listed above are inaccurate, unauthorized, or improperly reported, violating multiple consumer protection laws including FCRA accuracy and dispute requirements, as well as FDCPA prohibitions on unfair or deceptive collection practices. The cumulative effect of these accounts is materially damaging my creditworthiness. I request CFPB enforcement and monitoring to ensure these items are fully reinvestigated, corrected, or deleted as appropriate and to prevent any future inaccurate reporting by these creditors. Immediate CFPB attention and action are necessary to resolve these violations and restore my consumer rights.

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