Consumer complaint received 2025-11-13 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:
Dear CFPB, I am submitting this complaint because multiple inaccurate and unauthorized items continue to appear on my credit report despite previous disputes and my right under the Fair Credit Reporting Act ( FCRA ) to have accurate, verifiable, and fully investigated credit data. The credit bureaus and furnishers have repeatedly failed to uphold their legal obligations under FCRA 602 ( A ), 607 ( B ), 609 ( A ), and 611 ( A ), resulting in severe damage to my credit profile, denial of credit opportunities, and emotional distress. These errors include unverified addresses, inaccurate late payments, and unauthorized inquiries that violate both my privacy and the accuracy requirements mandated by federal law. 

ADDRESSES XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX, TX XXXX These addresses do not belong to me and have never been associated with my verified identity, residence, or employment. Reporting inaccurate address information is a violation of FCRA 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy. Continuing to report unverifiable addresses can cause confusion and inaccurate associations with third-party accounts or inquiries, violating FCRA 602 ( A ) and 611 ( a ). 

ACCOUNT XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$49000.00} Late Payment XXXX XXXX This account is reporting late payments that are false and unverifiable. Under FCRA 623 ( a ) ( 1 ) ( A ), a furnisher must not provide information that it knows or should know is inaccurate. The creditor failed to validate or provide documentation confirming my alleged delinquency after the first investigation. By continuing to report unverifiable derogatory data, this violates FCRA 611 ( a ) ( 5 ) ( A ) and 609 ( a ) ( 1 ). My records show no missed or delayed payments, and this negative mark has been damaging my credit profile unfairly and unlawfully. 

INQUIRIES XXXX XXXX Date : XX/XX/XXXX These inquiries were made without my knowledge, consent, or any permissible purpose under FCRA 604 ( a ) ( 2 ). The law clearly states that consumer reports may only be accessed with written authorization or in connection with a credit transaction initiated by the consumer. These inquiries have no valid documentation of my consent, and therefore they constitute an invasion of privacy and a breach of federal compliance. Failure to remove unauthorized inquiries violates both FCRA 604 and 607 ( a ).

I am requesting that the CFPB conduct a full investigation into these violations and ensure that the credit reporting agencies and furnishers comply with all requirements under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The continued reporting of unverifiable information and unauthorized inquiries has resulted in significant harm, including emotional distress, denial of housing, and credit discrimination. I respectfully demand that all inaccurate addresses, unverifiable late payment accounts, and unauthorized inquiries be permanently deleted from my credit file and that written confirmation of these deletions be sent to me.

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