Consumer complaint received 2025-09-04 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:
I am filing this complaint against the credit reporting agencies and furnishers for multiple violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. My consumer rights are being violated through inaccurate reporting, wrong addresses, unauthorized inquiries, and accounts that should not be on my file. 

Wrong Address Reporting ( Violation of FCRA 607 ( b ) ) The following addresses are inaccurately listed under my credit file and do not belong to me. Reporting of such erroneous information is a failure of reasonable procedures to ensure accuracy : XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX These wrong addresses are harmful, misleading, and constitute a direct violation of my rights. 

Inaccurate Accounts and Reporting Violations The following accounts are reporting inaccurately with charge-offs, late payments, or collections that are not mine, are unverifiable, or are reported in violation of FCRA 602, 607 ( b ), and 623 ( a ) ( 1 ) ( A ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment {$35000.00} Many of these accounts are either reporting with a {$0.00} balance yet marked as derogatory, or listed with inconsistent information that is misleading and damaging to my creditworthiness. This is unlawful and demonstrates a lack of proper investigation or verification as required by law. 

Unauthorized Hard Inquiries ( Violation of FCRA 604 ( a ) ) The following inquiries were not authorized by me and were pulled without permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 604 ( a ), a consumer report may only be accessed with a permissible purpose, such as my direct authorization. These inquiries were unauthorized, damaging to my credit score, and unlawful. 

Consumer Harm Because of these repeated violations, my creditworthiness has been severely harmed, I have been denied opportunities, and I continue to suffer financial and emotional stress due to negligent reporting and lack of proper investigations. 

Requested Relief I demand the following corrective actions be taken immediately : Removal of all wrong addresses from my credit report.

Permanent deletion of all inaccurate, unverifiable, and unlawfully reported accounts listed above. 

Removal of all unauthorized inquiries from my credit file. 

Written confirmation that these corrections have been made in compliance with FCRA and FDCPA.

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