Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
Dear CFPB XXXX, I am filing this formal complaint against multiple entities and credit reporting agencies due to the presence of incorrect addresses, fraudulent or inaccurate account reporting, and unauthorized credit inquiries on my consumer credit report. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and have caused me financial harm, emotional distress, and denials of credit and employment. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WRONG ADDRESS Issue : I have never lived at this address and have no connection to it. 
Law : FCRA 1681e ( b ) Credit reporting agencies must ensure maximum possible accuracy. 
Story : This incorrect address appears to be a case of file mismerge or identity confusion, and its presence on my credit report has caused me to be denied credit and questioned during employment verifications. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX WRONG ADDRESS Issue : I have never resided in XXXX  or been associated with this address. 
Law : FCRA 1681b A credit report may only be furnished for a permissible purpose. 
Story : Because of this address, my credit profile appears inconsistent and unstable, causing lenders to question the legitimacy of my credit history. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : I never opened this account with XXXX. 
Law : FCRA 1681i Unverifiable information must be deleted upon dispute. 
Story : I have no knowledge of this account, never received bills or services, and now I'm receiving collection calls for something I did not authorize, causing severe emotional and financial strain. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : This is not my account, and I never applied for or opened a XXXX XXXX  with this number. 
Law : FCRA 1681s-2 ( a ) Data furnishers must report information accurately. 
Story : I suspect identity theft may be involved. Despite contacting XXXX, I have received no validation of this debt, and the charge-off is unjust and harmful to my XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : This account has a {$0.00} balance and should not show a late payment. 
Law : FCRA 1681e ( b ) Consumer reports must be accurate and up to date. 
Story : The presence of a late payment, even after the account was paid in full, creates a false impression of delinquency and caused me to be declined for a personal loan. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : I made timely payments and closed this account, yet it is listed as charged off. 
Law : FCRA 1681s-2 ( b ) Furnishers must correct and update inaccurate information. 
Story : During a temporary hardship, I fell behind but paid the balance. Instead of reporting the account as resolved, XXXX XXXX reported a charge-off, damaging my score unfairly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Duplicate ) XXXX XXXX Issue : This appears to be a duplicate of the XXXX XXXX XXXX listed above. 
Law : FCRA 1681e ( b ) Duplicate reporting of derogatory information is inaccurate and misleading. 
Story : This duplicate entry gives the false impression that I owe double the amount, compounding the damage to my credit profile and reputation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : I voluntarily surrendered the vehicle due to extreme financial hardship but am now listed with a charge-off. 
Law : FCRA 1681i Consumers have the right to provide explanations and dispute unfair reporting. 
Story : After a medical emergency and loss of income, I contacted XXXX XXXX XXXX to explain my situation. Despite cooperation, they repossessed the vehicle and listed it as a charge-off, which now prevents me from getting a new vehicle loan. 
XXXX XXXX XXXX XX/XX/XXXX XXXX  Issue : I did not apply for any XXXX XXXX product. 
Law : FCRA 604 ( c ) ( XXXX ) Written consumer consent is required for inquiries. 
Story : I believe this was done in error or as part of a prescreened offer I did not opt into, and it's hurting my ability to refinance my student loans. 
XXXX XX/XX/XXXX XXXX  Issue : I never requested credit from XXXX. 
Law : FCRA 604 ( a ) Unauthorized inquiries are a violation of federal law. 
Story : I believe my personal data may have been used without consent, leading to this inquiry and damaging my credit report. 
XXXXXXXX XXXX XXXX XXXX Issue : Unknown company, and I did not initiate any credit application. 
Law : FCRA 604 All credit pulls must be properly authorized. 
Story : Ive never heard of this company, and this inquiry raises concern about possible misuse of my information or data breach. 
Request for Investigation and Resolution : I respectfully request the CFPB to : XXXX. Investigate and enforce the deletion of the above-listed inaccurate addresses, accounts, and inquiries from my credit file. 
XXXX. Require the data furnishers to provide documentation proving my authorization and liability, or immediately delete the accounts. 
XXXX. Require the consumer reporting agencies to correct or remove all unverifiable, inaccurate, or duplicate information. 
XXXX. Provide me with a written statement of the results of these investigations within the XXXX statutory period. 
If these issues are not resolved, I am prepared to escalate this complaint and pursue legal action under FCRA 616 ( willful noncompliance ) and 617 ( negligent noncompliance ), which entitles me to statutory and punitive damages. 
Thank you for your assistance in protecting consumer rights and holding these companies accountable.

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