Consumer complaint received 2025-10-21 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 submitting this formal complaint regarding multiple inaccurate and misleading items that are being reported on my consumer credit reports, which have caused significant harm to my creditworthiness and financial stability. 

Below are the specific issues : Wrong Addresses Reported : XXXX Walnut, XXXX, CA XXXX This is not and has never been my address. 

XXXX XXXX, XXXX XXXX, TX XXXX This is also not my address. 

These addresses are completely inaccurate and should not be associated with my credit profile. Their presence raises concerns about possible mixed file errors, identity theft, or gross negligence in data management by the credit bureaus and furnishers. 

Inaccurate and Improperly Reported Accounts : XXXX XXXX * * Charge Off, High Balance : {$9900.00}, Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX * * Charge Off, High Balance : {$1500.00}, Date Opened : XX/XX/XXXX XXXX  XXXX XXXX * * Charge Off, High Balance : {$3600.00}, Date Opened : XX/XX/XXXX XXXX BANK XXXX XXXX * * Charge Off, High Balance : {$4500.00}, Date Opened : XX/XX/XXXX XXXX AUTO XXXX * * Charge Off, High Balance : {$31000.00}, Date Opened : XX/XX/XXXX These accounts are being reported inaccurately. Each furnisher has failed to provide verifiable proof of the alleged debts, account ownership, or contractual obligation as required under the Fair Credit Reporting Act ( FCRA ), Sections 602 ( A ), 609, and 611. Furthermore, the reporting of multiple charge-offs without validation constitutes a violation of my rights under FCRA 623 ( a ) ( 1 ) ( A ), as the information is inaccurate and damaging. 

Recent Unverified and Unauthorized Hard Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize or initiate these hard inquiries. Each of these inquiries has negatively impacted my credit profile without my consent, which violates FCRA Section XXXX ( a ) regarding permissible purpose for credit pulls. 

Requested Action : Immediately investigate all disputed items listed above. 

Require each furnisher and credit bureau ( Experian, Equifax, and TransUnion ) to provide documented proof of permissible purpose, account ownership, and signed contractual agreements for every account and inquiry. 

Permanently delete any unverifiable, inaccurate, or unauthorized data from my credit reports. 

Confirm in writing the results of your investigation and the corrective actions taken. 

I have already attempted to resolve these matters directly with the credit bureaus and furnishers, but their responses were incomplete and insufficient. I now seek CFPBs intervention to ensure compliance with federal law and to protect my consumer rights.

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