Consumer complaint received 2025-11-03 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: SC

Complaint narrative:
I am submitting this formal complaint to report multiple inaccuracies and unauthorized information appearing on my credit reports. These errors have caused significant harm to my credit reputation and are in direct violation of the Fair Credit Reporting Act ( FCRA ). 

1. Incorrect Personal Address Information : The following addresses are being incorrectly reported and are not associated with me at any time : XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX These addresses are inaccurate and must be removed immediately from all credit bureau records, as they do not reflect my verified residential history.

2. Inaccurate Account Reporting Late Payments Reported in Error : XXXX  XXXX ( Account ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$17000.00} This account is inaccurately showing late payments. I have never made any late payments, and this false reporting severely misrepresents my payment history. I am requesting a full investigation and immediate correction of all inaccurate payment history to reflect timely payments only. 

XXXX XXXXXXXX XXXX XXXX ( Account ending XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} This account also incorrectly reports late payments. I have no record of any delinquency, and this must be corrected promptly. 

Both accounts must be updated to reflect accurate payment histories and compliance with FCRA 602 ( A ) and 607 ( B ), which require accurate reporting and reasonable procedures to assure maximum possible accuracy.

3. Unauthorized Hard Inquiries : The following hard inquiries appeared on my report without my authorization or any permissible purpose under FCRA 604 : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX I have no relationship or application with these companies and did not grant permission for these inquiries. These inquiries must be removed immediately and each entity must provide proof of permissible purpose or face a complaint for FCRA violation. 

Requested Action : I request that CFPB investigate these issues promptly and ensure that all credit reporting agencies and furnishers : Delete the incorrect addresses from my credit profile. 

Correct the false late payment histories on the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX accounts. 

Remove the unauthorized hard inquiries made on XX/XX/XXXX. 

These inaccuracies are damaging my creditworthiness and are a clear violation of my consumer rights under the FCRA. I demand that corrective actions be taken within the legally mandated 30-day timeframe. 

Thank you for your prompt attention to this matter. Please provide written confirmation once this complaint has been reviewed and forwarded to the appropriate parties.

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