Consumer complaint received 2025-10-10 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 submitting this complaint to the CFPB regarding multiple inaccuracies and unauthorized actions on my credit report. These issues have caused significant distress, harmed my creditworthiness, and violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and related consumer protection laws. I request that the CFPB take action to ensure these items are fully investigated and corrected. 

Address XXXX XXXX XXXX XXXX NV XXXXXXXX This address is incorrectly reported and has never been associated with me in any way. Reporting this inaccurate information violates FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 607 ( b ), which requires maximum possible accuracy in consumer reports. Including this false address can mislead creditors, lending institutions, and financial service providers. It exposes me to the risk of identity confusion and potentially fraudulent activity under my name. I have never resided at this location, nor have I authorized anyone to use this address for financial purposes. No documentation can prove any link between me and this address. The reporting of this false address is a violation of my consumer rights and affects my credit score and financial credibility. I demand that this address be deleted immediately unless verifiable proof of my residence is provided, which can not exist. Continuing to report this false address constitutes negligence by the credit reporting agency under FCRA. I request written confirmation once this address is permanently removed from my file. I insist that all future reporting procedures include verification steps to avoid such inaccuracies. This address must be corrected or deleted under my legal rights. The harm caused by this inaccuracy is measurable and ongoing. Misreporting such critical information is a breach of the duty of care owed by CRAs to consumers. My creditworthiness continues to be negatively impacted due to this false information. Immediate corrective action is required under FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX This address is falsely reported and has no association with me. FCRA Section 607 ( b ) requires consumer reporting agencies to maintain reasonable procedures to ensure maximum accuracy. Including a false address violates my rights and misleads potential creditors. I have never lived at this location, conducted any financial transactions there, or authorized its use in any capacity. The reporting of this address causes confusion and may expose me to unauthorized financial activity or fraudulent assumptions. There is no evidence linking me to this address. The inclusion of this address constitutes negligence by the reporting agency and violates FCRA Section 609 ( a ) ( 1 ). It harms my financial reputation and creditworthiness. I insist on deletion unless verifiable proof is provided, which can not exist. Reporting false addresses is legally unacceptable and actionable under FCRA. I demand that my rights be respected and this address permanently removed. I expect confirmation of deletion in writing. The reporting agencys failure to correct such inaccuracies can result in further legal complaints. My credit history is being adversely affected due to this false reporting. Continued reporting of this address without proof is a violation of federal law. 

Account XXXX XXXX  XXXX Date Opened : XX/XX/year> Balance Owed : {$280.00} Reported as Collection. This collection account is reported in error. I have no obligation to pay this debt. Under FCRA Section 609 ( a ) ( 1 ) and Section 623 ( a ), I am entitled to verification of any debt claimed. No documentation has been provided proving the validity of this account. Reporting unverifiable debts is a violation of my consumer rights and constitutes harm. I insist on immediate deletion until proper verification is supplied. The reporting of this account is misleading, incorrect, and violates federal law. I have never received any correspondence, notice, or account statement from this entity. Including this collection affects my creditworthiness and financial reputation. The CRA is responsible for ensuring accuracy, and failure to verify constitutes a breach. I demand written proof that all unverifiable claims are removed. Continuing to report this information is legally unacceptable. The account must be corrected or deleted immediately. My credit file can not contain unverifiable negative information. Compliance under FCRA Sections 607 and 611 is required. I expect confirmation of deletion in writing. The reporting agency must prevent recurrence. 

Inquiry XXXX XXXX XX/XX/year> Unauthorized inquiry. I did not authorize this inquiry. Under FCRA Section 604 ( a ) ( 3 ) ( A ), a permissible purpose is required for reporting. No permissible purpose exists. This inquiry is illegal, and I demand immediate deletion. Unauthorized inquiries can harm credit scores and financial credibility. I insist on written confirmation of deletion. Reporting without authorization violates my rights. The CRA is legally required to remove unverifiable inquiries. Continuing to report this inquiry constitutes willful harm. This unauthorized action may be reported to the CFPB. My financial reputation is affected by such violations. Immediate corrective action is necessary. Legal recourse will be pursued if this inquiry remains. The inquiry must be removed under FCRA Section 611 ( a ). Verification documents proving authorization can not exist. 

XXXX XX/XX/year> Unauthorized inquiry. No authorization was given. FCRA Section 604 ( a ) ( 3 ) requires a permissible purpose for every inquiry. This inquiry is illegal and must be deleted. Reporting it negatively impacts my credit score. I demand written confirmation of deletion. Unauthorized inquiries violate consumer protection laws. Continuing to report it is a breach of FCRA. The CRA is obligated to maintain accuracy. Legal action may follow if deletion is not confirmed. My rights under FCRA Section 611 ( a ) are clear. The inquiry is unverifiable and must be removed. Ongoing reporting constitutes harm. Compliance is required immediately. My creditworthiness is affected while it remains. 

XXXX  XX/XX/year> Unauthorized inquiry. No authorization exists. FCRA Section 604 ( a ) ( 3 ) governs permissible purposes. Reporting without permission violates federal law. Immediate deletion is required. The inquiry is illegal and negatively affects my credit file. Written confirmation of deletion is demanded. Failure to delete constitutes willful harm. The CRA must comply with FCRA Section 611 ( a ). Continuing to report this inquiry is unlawful. Verification of authorization can not be provided. My financial opportunities are harmed by its presence. Legal remedies may be pursued. Corrective action is mandatory. Confirmation of deletion is required in writing. 

XXXX XXXX XXXXXX/XX/year> Unauthorized inquiry. No permissible purpose exists. FCRA Section 604 ( a ) ( 3 ) is violated. I demand immediate removal. Reporting without authorization negatively impacts my credit score. Written confirmation is required. Unauthorized inquiries are a legal violation. CRA is obligated to remove it. Failure to comply is a breach of federal law. Verification can not exist. The inquiry harms my financial credibility. Immediate corrective action is required. Legal remedies may be pursued. My consumer rights under FCRA Section 611 ( a ) must be respected. I expect written confirmation of deletion. 

I respectfully request that CFPB direct the involved credit reporting agencies and furnishers to fully reinvestigate each of these inaccuracies, delete any unverifiable or unauthorized information, and confirm corrections in writing. My credit report must reflect only accurate, lawful, and authorized data. These errors have caused significant financial and personal hardship, including damage to my creditworthiness, denial of loans, and unnecessary stress.

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