Consumer complaint received 2025-10-01 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:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies and unauthorized reporting on my credit report that are negatively impacting my creditworthiness and causing financial harm. I request CFPB intervention for investigation and correction of all listed items. 

ADDRESS XXXX XXXX XXXX XXXX, CA XXXX This address is also incorrect and not related to me. I have never received any correspondence, bills, or identification documents tied to this location. Continuing to report this information as my residence is a misrepresentation and violates my rights under federal law. I request deletion of this entry and reinvestigation of its source. Furnishers must verify with proper documentation that this address belongs to me. I provide supporting proof of my correct residence history. Retaining this false address may confuse potential lenders and negatively affect lending decisions. I insist on immediate removal to maintain accuracy in my credit file. This also prevents further erroneous collections or legal notices. Reporting unverifiable addresses is a direct violation of my consumer rights. I require a written confirmation of deletion upon completion of reinvestigation. Reinvestigation should include contacting all sources that reported this address. The presence of this incorrect address undermines the integrity of my credit report. I request a complete review and permanent correction of this error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2900.00} Chargeoff This XXXX  XXXX account has been inaccurately reported as a chargeoff. I dispute the validity of the balance and the status, as proper notice and verification were never provided. I request reinvestigation and validation of the debt with complete documentation of transactions, billing statements, and payment history. Any failure to provide verification constitutes a violation of my rights under FCRA. This chargeoff negatively affects my creditworthiness and lending opportunities. I have attempted prior disputes, but the account remains inaccurately reported. I insist that the bureau contact the furnisher directly to provide verified proof of this debt. I request removal of any unverifiable or inaccurate status. Accurate reporting is legally required. Continuing to report false or incomplete information is a direct violation of my consumer rights. I provide supporting evidence contradicting the reported chargeoff. Immediate correction is necessary to restore fairness to my credit report. The presence of this inaccurate account causes financial and personal harm. I expect written confirmation upon completion of reinvestigation. All reporting must comply with federal accuracy standards. I request permanent correction and deletion of any unverifiable entries. Furnisher must confirm the legitimacy of all reported details. My rights under FCRA demand immediate action. 

XXXX XXXX XXXXXX/XX/XXXX I did not authorize Sparrow to access my credit report on XX/XX/XXXX. This inquiry was made without my knowledge or consent. Reporting unauthorized inquiries is illegal under FCRA and harms my credit profile. I request that this inquiry be deleted immediately. I also request the bureau to confirm to me in writing the deletion of this entry. Furnishers must provide documentation proving a permissible purpose. No such documentation exists. This entry is inaccurate and unauthorized. Deletion is required to maintain credit integrity. Unauthorized inquiries can negatively impact my credit score. I insist on a full review of all similar inquiries for compliance. This inquiry should be permanently removed. Failure to correct is a violation of federal law. Reinvestigation must include verification with the furnishing entity. Documentation of authorization must be produced, which in this case does not exist. My rights under FCRA must be enforced. 

I request a full investigation into all the above items, immediate correction or deletion of any inaccuracies, confirmation of actions taken, and monitoring to ensure compliance with FCRA and FDCPA. The inaccurate reporting, chargeoffs, and unauthorized inquiries have caused measurable financial harm, stress, and loss of credit opportunities. I rely on CFPB to ensure all my rights under federal law are protected and enforced.

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