Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
I am writing this formal complaint to bring to the attention of the Consumer Financial Protection Bureau ( CFPB ) a series of serious violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite my numerous attempts to dispute and resolve multiple inaccuracies, incorrect information continues to appear on my credit report, including false addresses, late payments that I did not incur, charge-off entries that were never properly validated, and several unauthorized hard inquiries that were made without my consent or permissible purpose. I have contacted the major credit reporting agencies ( XXXX, XXXX, and TransUnion ) and the furnishers of these accounts, yet no valid proof or investigation results were provided. Therefore, I am requesting that the CFPB urgently intervene, initiate a full investigation, and compel the responsible parties to permanently delete these items from my credit report in accordance with the law. 
ADDRESS : XXXX XXXX XXXX XXXX, CA XXXXXXXX LAW : FCRA 609 ( c ) ( 2 ), FCRA 602 ( a ), FCRA 611 ( a ) ISSUE : Incorrect and unrelated address being reported STORY : I have never lived at XXXX XXXX XXXX or had any connection to this location. This address does not appear on any lease, utility, employment, or official record related to my personal history. Its appearance on my credit report is highly concerning, as it suggests a potential data merge with another consumers file or a clerical error by a third-party data furnisher. Keeping this address on file damages my identitys accuracy and can lead to future reporting errors. I respectfully demand this address be deleted from my report immediately ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX LAW : FCRA 609 ( c ) ( 2 ), FCRA 602 ( a ), FCRA 611 ( a ) ISSUE : This address is unrelated to me and harms my file accuracy STORY : I do not recognize this address and have never resided at or used XXXX XXXX in any personal, professional, or financial capacity. I suspect this may have been added due to mistaken identity or the misreporting of information from a third-party source. The inclusion of this address in my report could lead to mixed files and makes my credit report unreliable to lenders or creditors. I request immediate removal of this incorrect address from all systems ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/year> BALANCE : {$2300.00} XXXX XXXX XXXX  LAW : FCRA 611 ( a ), FCRA 623 ( b ), FDCPA 809 ( b ) ISSUE : Duplicate and unverifiable collection listing STORY : This account appears to represent the same debt already listed as a charge-off under XXXX XXXX  XXXX which is a violation of FCRA due to duplicate reporting of the same balance. I was never contacted about this collection, and I never received a validation notice or breakdown of the amount allegedly owed. Without full documentation proving the validity of this debt, it must be deleted. The reporting is both misleading and harmful to my creditworthiness and reflects unfairly on my financial profile The continued reporting of false addresses, inaccurate late payments, unverifiable charge-offs, and unauthorized credit inquiries is causing significant financial harm, XXXX XXXX and reputational damage. These entries are not only misleading but also unlawful under multiple provisions of the Fair Credit Reporting Act. I have exhausted all direct options with the credit bureaus and furnishers, yet the information remains uncorrected. Therefore, I am requesting the CFPB to immediately investigate these violations, hold the responsible data furnishers and reporting agencies accountable, and compel them to remove all inaccurate and unauthorized entries listed in this complaint. I demand full compliance with the FCRA and the permanent correction of my credit report.

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 explanation