Consumer complaint received 2025-10-24 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: SC

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate, unverifiable, and misleading items being reported on my consumer credit report. These errors have caused significant harm to my credit profile and financial reputation. I am requesting a thorough investigation under the Fair Credit Reporting Act ( FCRA ) 602, 607, 609, and 611, as well as applicable CFPB protections, to ensure that all information reported about me is accurate, complete, and verifiable. 

First, there are XXXX addresses listed on my credit report that are completely inaccurate and never associated with me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never lived at, received mail from, or been connected to these addresses in any capacity. Their appearance on my report suggests possible mixed files or identity-related reporting errors, which are serious violations of my FCRA rights. 

Additionally, there are multiple accounts and inquiries being reported inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX Reported with a high balance of {$630.00} and late payment history. I dispute this as inaccurate and unverifiable. I request proof of original documentation and payment history validation as required under FCRA 611 ( a ). 

XXXX ( Account XXXX ) Reported with a high balance of {$170000.00} and marked as a charge-off. I have no record or agreement with this creditor, and I demand verification of this debt, including signed contracts and transaction history. Failure to provide this documentation would constitute willful noncompliance under FCRA 623. 

XXXX  ( Account XXXX ) Reported with a high balance of {$1700.00} and late payments. I dispute the validity of these claims and require proper verification and documentation. 

XXXX XXXX ( Account XXXX ) Reported with a high balance of {$29000.00} and late payments. I request verification of the accounts accuracy and legitimacy under FCRA 609 ( a ) ( 1 ) ( A ). 

XXXX ( Inquiries dated XX/XX/XXXX and XX/XX/XXXX ) These inquiries were unauthorized. I did not initiate or permit these hard pulls. Under FCRA 604, no credit inquiry should be made without my express written consent. I request immediate removal of these unauthorized inquiries. 

Each of the above items has had a negative and unfair impact on my credit score, loan eligibility, and overall financial standing. I am demanding that the Consumer Financial Protection Bureau investigate these issues and compel the involved credit reporting agencies and furnishers to provide full documentation of their verification process or permanently delete these accounts and inquiries from my report. 

Under FCRA 611 ( a ) ( 1 ) ( A ), credit reporting agencies must conduct a prompt reinvestigation of disputed information. If the furnishers can not verify the accuracy and ownership of these accounts within the legally required timeframe, they are obligated to delete them from my credit file.

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