Consumer complaint received 2025-07-15 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: MI

Complaint narrative:
I am submitting this formal complaint against the credit reporting agencies for reporting multiple inaccurate addresses, accounts with incorrect or misleading statuses such as charge-offs and late payments, and unauthorized or unverified hard inquiries that have harmed my creditworthiness and financial standing. These errors are serious violations of my rights under federal law including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. I have never lived at or been associated with several of these addresses and the accounts and inquiries in question contain inaccurate or unverifiable information. Despite prior disputes, these items remain unresolved. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX Address Law : FCRA 605 ( b ) and 609 ( c ) ( 2 ) Issue : This address is inaccurately listed and does not belong to me Story : I have never resided at this location and it is harming the accuracy of my credit file XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Address Law : FCRA 607 ( b ) Issue : Inaccurate address reporting without verification Story : I have no connection to this Florida address and its appearance may indicate a file merge or identity error XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$66.00} Collection * * Law : FCRA 609 ( a ) ( 1 ) and FDCPA 807 ( 8 ) Issue : No documentation provided to validate the debt Story : I have not received any statement or verification proving the validity of this debt This collection account is harming my credit and must be removed immediately unless full proof is provided XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} Collection * * Law : FDCPA 809 ( b ) and FCRA 611 ( a ) Issue : Failure to validate debt and provide medical debt documentation Story : This medical collection is unknown to me and no communication or billing was received prior to reporting It must be deleted unless validated with all legal documentation XXXX XXXX Inquiry Dated XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ) Issue : Unauthorized hard inquiry Story : I did not apply for credit with XXXX XXXX on this date and did not authorize any inquiry XXXXXXXX XXXX Inquiry Dated XX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) Issue : Inquiry without permissible purpose Story : I never gave permission to XXXX XXXX to access my credit file This is a violation of my consumer rights XXXX XXXX XXXX Dated XX/XX/XXXX Law : FCRA 604 ( a ) ( 1 ) Issue : Inquiry placed without consent or application Story : This was not initiated by me and may have been an internal dealership submission without my consent XXXX Inquiry Dated XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ) ( A ) Issue : Unapproved inquiry Story : I did not authorize this credit pull and request that it be removed immediately XXXX Inquiry Dated XX/XX/XXXX Law : FCRA 604 ( a ) Issue : Unauthorized access to credit file Story : I never sought credit from XXXX and was not informed of any such inquiry I am requesting that the Consumer Financial Protection Bureau take immediate action to investigate these serious violations of the Fair Credit Reporting Act and ensure that the credit bureaus and furnishers involved correct or delete all inaccurate, unverifiable, and unauthorized information listed above. These errors have caused significant harm to my credit profile, financial stability, and overall well-being. I demand full compliance with federal law, proper reinvestigation under FCRA 611, and timely written confirmation of the actions taken. Failure to address these issues appropriately may result in further legal actions to protect my rights as a consumer.

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