Consumer complaint received 2025-12-08 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:
I am filing this complaint because multiple accounts and inquiries are being falsely reported on my credit reports by the credit bureaus and several furnishers. These accounts do not belong to me, were never authorized, and no creditor has provided any documentation or validation. I have suffered serious harm including credit denials, financial loss, and emotional distress. I requested verification under the FCRA, but none of the furnishers or bureaus have provided proof. The following accounts are inaccurate, unverified, and must be investigated : XXXX XXXX Collection ISSUE : I have never opened, authorized, or applied for this XXXX XXXX account. No contract exists with my signature, and I have never received any statements, billing notices, or communication from XXXX regarding this debt. Reporting this as a collection without validation violates FCRA 602 ( A ) accuracy requirements. This appears to be fraudulent activity or a mixed-file error. I demand complete deletion unless you provide a copy of the original signed application, account history, and debt validation. 
XXXX XXXX XXXX Collection ISSUE : I have no record of any account placed with XXXX XXXX XXXX. They have never contacted me, never mailed me validation, and never provided any legally required notice under FDCPA 809. This account is most likely the result of identity confusion or an inaccurate data furnish. The reporting is damaging my credit profile and is not supported by any proof. Remove this account unless verified with full documentation. 
XXXX XXXX XXXX Collection ISSUE : This is not my account and I have no relationship or communication with this collection agency. I never received any written notice, billing statements, or verification. This item appears to be completely fabricated, misreported, or incorrectly assigned to my profile. Without proof of ownership or a creditor-issued contract, this collection must be deleted immediately under FCRA 611 .

Unauthorized Hard Inquiries ( All Violations of FCRA 604 ) I never applied for, authorized, or approved any of the following inquiries. They are fraudulent or mistakenly placed, and they are damaging my credit score and lending eligibility. 
XXXX XXXX Inquiry XX/XX/year> ISSUE : No credit application, no permission, no business relationship. Unlawful inquiry. 
XXXX XXXX  Inquiry XX/XX/year> ISSUE : I did not visit, apply, or authorize XXXX XXXX to pull my credit. Remove immediately. 
XXXX XXXX Inquiry XX/XX/year> ISSUE : Unknown company, no authorization, no application. Unverified. Must be removed. 
I am requesting the CFPB to investigate all the above furnishers and credit bureaus for violating FCRA 602, 607 ( b ), 609 ( a ), and 611 by reporting accounts without verification and failing to provide proof when disputed. I want all unverified, inaccurate, and fraudulent items deleted immediately from my credit report.

Requested Resolution : Full investigation, removal of all fraudulent/unverified accounts and inquiries, and enforcement action against companies failing to comply with the FCRA.

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