Consumer complaint received 2025-10-28 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:
To Whom It May Concern, This correspondence serves as my formal Round 1 dispute package submitted under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Metro-2 reporting standards, and the Gramm-Leach-Bliley Act ( GLBA 68016802 ).

After reviewing my TransUnion file, I have identified multiple inaccurate, unverified, and unauthorized entries that are damaging my credit standing. XXXX  is required under FCRA 607 ( b ) to maintain maximum possible accuracy and under 611 ( a ) ( 1 ) ( A ) to complete a reasonable reinvestigation within 30 days. Any item that can not be verified with full source documentation must be permanently deleted per 611 ( a ) ( 5 ) ( A ).

1. Incorrect Addresses File Mixing / Identity Confusion The following addresses do not belong to me and have never been associated with any credit application or residence of mine. Their presence creates identity mixing and accuracy violations. 
XXXX XXXX XXXX, CA XXXX XXXX LA XXXX XXXX, CA XXXX Action Requested : Delete these addresses immediately under FCRA 607 ( b ) and 605B. 
2. Unverified and Inaccurate Accounts Deletion Required The following accounts are being reported with false late-payment data and other material errors. No signed contract, original ledger, or Metro-2-compliant data from the furnisher has ever been provided. Under FCRA 623 ( a ) ( 1 ) ( A ), it is unlawful to report information known to be inaccurate or that can not be verified. 
Disputed Accounts to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Because these accounts can not be verified through signed documentation or authentic furnisher records, I am demanding full deletion from my XXXX  credit file. Updating or marking as disputed does not cure the violation of 607 ( b ) or 611. 
3. Unauthorized Credit Inquiries My XXXX  file lists multiple credit inquiries initiated without my authorization or permissible purpose under FCRA 604 ( a ). Maintaining these records violates my privacy and depresses my score. 
Please delete each of the following inquiries in full : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX No verbal or written consent was given to any party above. Failure to remove these entries constitutes a privacy violation and exposes XXXX  to liability under FCRA 616 and 617. 
4. Required Deliverables Within 30 Days Under FCRA 611 ( a ) ( 6 ), you must provide : Written results of your reinvestigation ; Copies of all original furnisher verification documents ; and An updated Experian credit report reflecting all deletions. 
Failure to comply will result in formal filings with the FTC, CFPB, and the California Attorney General for willful and negligent noncompliance under FCRA 616617. 
Enclosures ( Proof of Identity ) Exhibit A : Government-Issued ID Exhibit B : Proof of Current Address

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