Consumer complaint received 2025-08-19 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: NV

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies for knowingly reporting false, inaccurate, and unverified information on my consumer credit report. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 602 ( A ) which states that consumer reporting agencies must assure maximum possible accuracy of information. The following accounts and inquiries are incorrect, incomplete, or not verifiable, and I am demanding immediate reinvestigation and deletion. These items are causing me severe financial harm, loss of credit opportunities, denial of loans, higher interest rates, and emotional distress. I never authorized nor consented to these items being reported in such a false and damaging way. I am attaching my full list of disputes below and I request the CFPB to hold the credit bureaus accountable for failing their duty to maintain accurate records. 

Address : XXXX XXXX XXXX XXXX, NV XXXX Law : FCRA Section 607 ( b ) requires consumer reporting agencies to assure maximum possible accuracy of the information.

Issue : This address is being reported as mine, but it has no connection to me and is factually inaccurate.

Story : I have never lived at, leased, rented, or been associated with this address in any legal, financial, or personal capacity. Its presence on my credit file may cause lenders to incorrectly assume residence verification, affecting my creditworthiness. It is essential that this address be deleted to prevent further confusion and misrepresentation of my personal history. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$45000.00} Status : Late Payment Law : FCRA Section 602 ( A ) emphasizes accuracy and fairness in credit reporting.

Issue : This account is inaccurately reporting late payments.

Story : I made every payment on time as per my loan agreement, and there is no verified evidence supporting any late payment claim. Reporting this account as delinquent harms my credit score, affects interest rates, and misrepresents my financial responsibility. I request verification with documented proof of any alleged late payment ; otherwise, the entry must be corrected or deleted. 

Inquiry : XXXXXXXX XXXX  XX/XX/XXXX Law : FCRA Section 604 ( a ) ( 2 ) requires permissible purpose for inquiries.

Issue : This hard inquiry was not authorized by me.

Story : I never applied for credit or any financial product with XXXX XXXX  on this date. Its presence on my credit report misleads lenders into thinking I sought additional credit and can reduce my credit score unfairly. This inquiry must be removed. 

Inquiry : XXXX XXXX XXXX XX/XX/XXXX Law : FCRA Section 604.

Issue : This inquiry is unauthorized.

Story : I did not authorize TD Auto Financing to access my credit. Unauthorized inquiries affect my credit utilization perception and may suggest financial instability where none exists. 

Inquiry : XXXX XXXX XX/XX/XXXX Law : FCRA Section 604.

Issue : Unauthorized inquiry. 
Story : I never initiated any application with XXXX XXXX. Reporting this inquiry implies financial activity I did not undertake and may mislead lenders reviewing my file.

I request that the CFPB take immediate action against the credit reporting agencies for failing to maintain maximum possible accuracy, failing to properly reinvestigate, and for allowing unauthorized inquiries on my report. These errors are causing me ongoing financial and emotional harm. I demand that the CFPB direct the agencies to delete these inaccurate accounts and inquiries permanently and hold them accountable for violating the Fair Credit Reporting Act.

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