Consumer complaint received 2025-08-22 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:
Dear CFPB, I am submitting this complaint regarding numerous and serious inaccuracies present on my credit reports across multiple credit reporting agencies. These errors include wrong addresses, improper charge-offs, inaccurate bankruptcy reporting, and unauthorized inquiries. The presence of these errors has caused me severe financial and emotional hardship, including denial of credit, increased interest rates, and reputational harm. Despite repeated disputes with the credit reporting agencies, these errors remain unresolved, constituting ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Issue : Wrong Address Law : FCRA 15 U.S.C. 1681i ( a ) obligation of credit reporting agencies to maintain accurate information.

Story : This address is completely unrelated to me. Its presence on my credit report falsely suggests residency and may lead to confusion for lenders or collection agencies. Such misreporting not only risks my financial reputation but also exposes me to potential fraudulent activity or misdirected debt collections. I have never lived, conducted financial transactions, or had any association with this location. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Wrong Address Law : FCRA 1681i right to dispute and correct.

Story : Another false address ties me to accounts and debts I have no connection to. The misreporting undermines my credibility with lenders and may lead to unnecessary denials of credit. Immediate correction is required to prevent ongoing damage. 
Accounts with Late Payments : XXXX XXXX  XXXX High Balance : {$210000.00}, Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 ( b ) furnishers must report accurate account information.

Story : I have consistently made all required mortgage payments on time. The reported late payment is factually incorrect. This false information has resulted in unnecessary credit score reduction, higher interest rate considerations, and increased difficulty in securing other financial services. Reporting an incorrect late payment misrepresents my reliability as a borrower and violates my rights. I demand immediate correction of this error. 
XXXX XXXX High Balance : {$420000.00}, Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 ( b ) Story : This reported late payment is inaccurate. My payment history confirms full compliance with all obligations. The false report negatively impacts my creditworthiness, potentially influencing mortgage refinancing, insurance rates, and other financial opportunities. Immediate correction is required. 
XXXX XXXX  XX/XX/XXXX Issue : Unauthorized hard inquiry Law : FCRA Section 604 ( a ) requires consumer consent for credit checks Story : I never applied for credit with XXXX XXXX  on this date. This inquiry falsely suggests I am actively seeking credit, which has lowered my credit score and created a misleading impression to potential lenders. Such inaccuracies make it harder for me to qualify for legitimate credit opportunities and cause significant stress. Immediate deletion is required. 
XXXX XXXX  XX/XX/XXXX Issue : Unauthorized inquiry Law : FCRA Section 604 ( a ) Story : No transaction or application was made with XXXX XXXX. This inquiry creates false assumptions about my credit activity, negatively impacts my creditworthiness, and has caused unnecessary stress and frustration. 
XXXX XXXX XX/XX/XXXX Issue : Unauthorized hard inquiry Law : FCRA Section 604 ( a ) Story : I have no business relationship or application with XXXX XXXX  This inquiry is misleading and negatively affects lenders perception of my creditworthiness. 
XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry Law : FCRA Section 604 ( a ) Story : No application or request was made. This inquiry falsely suggests credit-seeking activity and negatively affects my creditworthiness and opportunities. 
XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized inquiry Law : FCRA Section 604 ( a ) Story : I never requested credit from XXXXXXXX XXXX on this date. The inquiry falsely portrays risk behavior and lowers my credit score. 
XXXX XX/XX/XXXX Issue : Unauthorized inquiry Law : FCRA XXXX XXXX ( a ) Story : I did not authorize any credit check with XXXX. This inaccurate reporting harms my financial reputation and misleads lenders. 
XXXX XX/XX/XXXX Issue : Unauthorized inquiry Law : FCRA Section 604 ( a ) Story : I never requested credit with XXXX. Removal is required to maintain accurate reporting. 
XXXXXXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized inquiry Law : FCRA Section 604 ( a ) Story : No consent was given. This inaccurate reporting is damaging and must be removed immediately. 
XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry Law : FCRA Section 604 ( a ) Story : I have no relationship with XXXX XXXX. The inquiry is misleading and misrepresents my credit activity. 
XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry Law : FCRA Section 604 ( a ) Story : I did not authorize XXXX XXXX  to access my report. This entry is inaccurate and harmful. 
Conclusion : These repeated and systemic violations of the FCRA have caused ongoing harm to me. Wrong addresses falsely link me to debts, inaccurate charge-offs destroy my creditworthiness, bankruptcy misreporting blocks my financial recovery, and unauthorized inquiries reduce my score while violating my privacy. I am requesting the CFPB to take immediate corrective action by investigating these issues, requiring the furnishers and credit reporting agencies to permanently delete or correct the inaccurate information, and ensuring compliance with the law.

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