Consumer complaint received 2025-08-08 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: WA

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint because the credit bureaus are reporting false, unauthorized, and unverified information on my credit reports. Despite my attempts to dispute these matters directly with the bureaus, they have failed to correct or remove these violations. I am requesting immediate enforcement and action from the CFPB to hold the furnishers and the credit reporting agencies accountable for these ongoing violations of federal law. 
ADDRESS XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, WA XXXX LAW : Under the FCRA Section 609 ( c ) ( 2 ) ( A ), I have the right to request the source and accuracy of any personal information reported. 
ISSUE : This address is inaccurately linked to my file and does not belong to me. 
STORY : I have never resided at or used this address in any capacity. Reporting this location is creating confusion and misidentification. Please delete this address from my credit file. 
ADDRESS XXXX XXXX XXXX XXXXXXXX, WA XXXX LAW : FCRA Section 607 ( b ) requires agencies to maintain reasonable procedures to assure maximum possible accuracy. 
ISSUE : This address is not mine and is being incorrectly associated with my identity. 
STORY : I have no known accounts, subscriptions, or affiliations tied to this P.O. Box. I respectfully demand its removal from my credit report. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$260.00} Late Payment * * LAW : FCRA Section 611 and Section 609 guarantee my right to dispute and request verification. 
ISSUE : This account is reporting late payments I do not acknowledge. 
STORY : I was not late on this account and no proper notification or documentation was ever sent to me. Please reinvestigate and remove these inaccurate late payments. 
ACCOUNT XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$1200.00} Late Payment LAW : Under FCRA Section 611, I have the right to dispute and request verification of account details. 
ISSUE : Late payment status appears to be in error. 
STORY : I dispute the timeliness and balance reporting of this account. I request full documentation or deletion from my report. 
ACCOUNT XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} Late Payment * * LAW : FCRA Section 607 ( b ) and 611 require accuracy and validation. 
ISSUE : A late payment is shown on a closed/paid account. 
STORY : This account is closed with a XXXX balance. Reporting a late payment post-closure is inaccurate and must be corrected or deleted. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$400.00} Late Payment * * LAW : FCRA 607 ( b ) ensures credit data must be complete and accurate. 
ISSUE : Late payment reporting is incorrect. 
STORY : I dispute the accuracy of this late mark. Please remove it unless the furnishers can provide full proof and consent records. 
INQUIRY XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX LAW : FCRA Section 604 ( a ) ( 3 ) prohibits inquiries without permissible purpose. 
ISSUE : I never authorized this hard inquiry. 
STORY : I did not apply for any credit that would permit this pull. Please remove this inquiry. 
INQUIRY XXXX XXXXXX/XX/XXXX LAW : FCRA Section 604 mandates permissible purpose. 
ISSUE : Inquiry was done without my authorization. 
STORY : I did not initiate any request for credit at this time. Please delete this inquiry. 
INQUIRY XXXX XXXX XX/XX/XXXX LAW : FCRA Section 604 ( a ) applies to this inquiry. 
ISSUE : Inquiry lacks a valid purpose.

STORY : I never gave permission for this auto-related pull. Please remove. 
INQUIRY XXXX XXXX XXXXXX/XX/XXXX LAW : FCRA requires consumer consent. 
ISSUE : Unauthorized credit check. 
STORY : This was pulled without any application or consent. Please remove. 
INQUIRY XXXX XXXX XXXXXX/XX/XXXX LAW : No permissible purpose as per FCRA. 
ISSUE : Unauthorized hard inquiry. 
STORY : I never sought credit from this institution. Please delete the inquiry. 
I am demanding immediate investigation and enforcement by the CFPB to ensure all listed addresses, unauthorized inquiries, and unverified accounts are removed from all credit bureau reports. These issues are damaging my credit score, affecting my financial opportunities, and violating my consumer rights. The credit bureaus and data furnishers have failed to comply with the Fair Credit Reporting Act, and I rely on the CFPB to ensure these violations are addressed with urgency and consequence. I request full correction, deletion, and written confirmation of all resolved matters from the CFPB and all involved parties.

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