Consumer complaint received 2025-08-13 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: AR

Complaint narrative:
I am filing this formal complaint against multiple furnishers and credit reporting agencies for their continued reporting of inaccurate, unverified, and misleading information on my consumer credit reports. Despite my previous disputes, these items remain, causing ongoing financial harm. The following accounts and inquiries are at issue : XXXX XXXX XXXX, IL XXXX Wrong Address Issue : This address has never been associated with me in any capacity residential, mailing, or employment. Reporting this incorrect information damages the accuracy of my credit profile. 
Law : Under FCRA 607 ( b ) and 15 U.S.C. 1681e ( b ), credit reporting agencies must maintain maximum possible accuracy. Under FCRA 611, this entry must be verified or deleted within 30 days. 
Story : I have never lived at, contracted with, or paid bills for this address. This false listing increases my risk of identity theft and could cause harm during loan applications, credit card approvals, or employment background checks, as lenders may wrongly assume I have undisclosed housing or financial history tied to unknown parties.

XXXX XXXX XXXX, IL XXXX Wrong Address Issue : This is incorrectly linked to my file, indicating possible data mix-up or identity theft. 
Law : FCRA 605B grants me the right to block any information resulting from identity theft, and 611 requires you to verify or delete it.

Story : I have never lived or conducted business at this location. Its presence on my credit report creates the false impression of multiple residences, which could be exploited by identity thieves to create fraudulent accounts, leaving me liable for debts I did not incur. 
XXXX XXXX Account No : XXXXXXXX XXXX XXXX High Balance : {$570.00} | Date Opened : XX/XX/XXXX | Status : Collection Issue : This collection account is inaccurate and unverifiable. The alleged original creditor has never sent me proof of this debt, nor have I authorized XXXX XXXX to collect on my behalf. 
Law : Under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), a debt collector must provide written validation of the debt upon request. Failure to do so while continuing collection activities violates FDCPA Section 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 ).

Story : I have no record of owing any balance to this creditor. XXXX XXXX has reported this without my consent and without verifying the details with the original creditor. This reporting is damaging my reputation and violating my rights under both FDCPA and FCRA. You are required to remove this entry immediately or provide the signed contract, full chain of assignment, and payment ledger. 
XXXX XXXXXX/XX/XXXX Inquiry Issue : This hard inquiry was conducted without my authorization. 
Law : FCRA 604 ( a ) prohibits a hard inquiry unless there is a permissible purpose and my explicit consent.

Story : I have never applied for any credit card or account with XXXX on or near this date. The presence of this inquiry lowers my credit score and falsely signals to other lenders that I am actively seeking new credit, which can lead to higher interest rates or denial of credit. Unauthorized inquiries are also a red flag for potential identity theft, where someone may be attempting to open credit in my name. 
XXXX XX/XX/XXXX Inquiry Issue : Unauthorized and duplicate auto credit pull. 
Law : FCRA 604 ( f ) prohibits obtaining a report under false pretenses. 
Story : I have never sought financing from XXXX XXXX. Duplicate inquiries like this not only harm my credit score by indicating multiple credit-seeking activities but also suggest that my personal information may be circulating among multiple dealerships or lenders without my consent. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized credit inquiry.

Law : FCRA 604 makes this unlawful. 
Story : I did not apply for an XXXXXXXX XXXX XXXX. An inquiry like this may indicate that someone attempted to use my personal data to open an account, which is a direct risk to my financial security. 
XXXX XXXX Inquiry Issue : Unauthorized auto financing inquiry.

Law : Same as 604. 
Story : I did not apply for auto financing with XXXX XXXX. This suggests my personal data may have been used by an unauthorized individual to shop for a car loan, which could result in a fraudulent account being opened in my name. 
XXXX XX/XX/XXXX Inquiry Issue : Unauthorized inquiry. 
Law : 604. 
Story : I have never opened any account or requested any credit with XXXX XXXX. This could be connected to a fraudulent application made using my personal information, exposing me to potential legal and financial harm. 
XXXX XX/XX/XXXX Inquiry Issue : Unauthorized inquiry.

Law : 604. 
Story : I have never sought credit from The Bank XXXX Missouri or its Milestone product. Any inquiry from them without my explicit consent is a violation of my consumer rights and could be linked to attempted account fraud. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized inquiry.

Law : 604. 
Story : I have never requested any product from this entity. This could be a sign of my personal data being used in unauthorized credit applications. 
XXXX XXXX Inquiry Issue : Unauthorized XXXXXXXX XXXX XXXX XXXX XXXX 
Law : 604. 
Story : I have not applied for an XXXX credit card issued by XXXX XXXX. This type of inquiry can indicate an attempted fraudulent purchase or account opening. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized inquiry.

Law : 604. 
Story : I did not submit any application to XXXX XXXX. This is a clear violation of my consumer rights and may be linked to unauthorized attempts to open an account using my identity. 
Relief Requested : I request that the CFPB investigate these furnishers and credit reporting agencies for willful violations of FCRA and FDCPA, order the immediate deletion of all unverifiable and duplicate accounts, and ensure removal of all unauthorized hard inquiries. 
These violations have caused significant harm to my creditworthiness, emotional distress, and financial opportunities. I request written confirmation of the actions taken within the statutory period.

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