Consumer complaint received 2025-08-29 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:
Consumer Financial Protection Bureau ( CFPB ) is entrusted with ensuring accuracy, fairness, and compliance with consumer reporting laws. I am submitting this formal complaint because my credit report contains false addresses, unauthorized inquiries, and inaccurate information that violates the Fair Credit Reporting Act ( FCRA ). I demand immediate investigation, deletion, and correction of these inaccurate items because they are damaging my creditworthiness and causing ongoing harm. 

Wrong Address XXXX XXXX XXXX, XXXX, SC XXXX Law : FCRA 607 ( b ) requires credit bureaus to maintain maximum accuracy. FCRA 611 requires unverifiable information to be deleted. 
Issue : This address is not mine, yet it is being reported as associated with me. It misrepresents my identity and creates risk of being linked to accounts or debts that are not mine. 
Story : I have never lived at this location, nor have I ever received mail, bills, or official documentation tied to this address. By reporting this false address, the bureau is violating my consumer rights under the FCRA. Leaving it on my credit file may lead to me being wrongfully associated with debts, fraudulent activities, or obligations that have no connection to me. This damages my creditworthiness, invades my privacy, and increases the chance of identity theft. The law requires you to delete this immediately if you can not provide verifiable proof that I resided here. 

AccounXXXX XXXX XXXXXXXX High Balance : {$940.00} Date Opened : XX/XX/XXXX Late Payment Law : FCRA 607 ( b ), 611, and 602 ( A ).

Issue : The reported late payment is inaccurate and unverifiable. No valid evidence has been provided to prove that this delinquency actually occurred. 
Story : I dispute this late payment because I have never received any official notice of delinquency tied to this account. Creditors are required to report accurate data, and without billing statements, due dates, and payment records, this claim can not be substantiated. False late payment reporting unfairly damages my payment history, which is one of the most important factors in my creditworthiness. By law, if the creditor can not prove this delinquency with valid records, the late payment must be deleted or the account corrected. 

XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ) requires inquiries to have a permissible purpose.

Issue : This inquiry was unauthorized. I never gave permission for this credit pull. 
Story : I did not apply for any product with XXXX  on or around this date. No contract, no application, and no written consent exists for this inquiry. By reporting it, you are violating my privacy and exposing me to risk of identity misuse. This inquiry harms my credit score by lowering points unfairly. Since it lacks a permissible purpose, it must be deleted. 

Inquiry XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ).

Issue : Unauthorized credit inquiry. 
Story : I never sought credit with XXXX XXXX on this date. This inquiry appears fraudulent or done without my consent. Without proof of authorization, this inquiry must be deleted immediately under the law. 

Inquiry XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604.

Issue : No permissible purpose for this inquiry. 
Story : I never applied for a mortgage with XXXX XXXX on this date. This inquiry damages my credit unfairly and exposes me to potential fraud. Delete immediately. 

XXXX XXXX XX/XX/XXXX Law : FCRA 604.

Issue : Unauthorized inquiry. 
Story : I never granted XXXX access to my report. No valid application exists. This must be deleted under federal law. 

Inquiry XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604.

Issue : Unauthorized inquiry. 
Story : I never applied for credit with this company. Since no proof exists, it must be deleted. 

Inquiry XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604.

Issue : Unauthorized inquiry. 
Story : I never gave XXXX permission to access my file. Since no permissible purpose exists, this is unlawful and must be deleted. 

Inquiry XXXX XX/XX/XXXX Law : FCRA 604.

Issue : Unauthorized inquiry.

Story : I did not authorize this inquiry and no permissible purpose exists. It must be deleted immediately. 

This complaint is being filed because my repeated efforts to correct these issues directly with the credit reporting agency have failed. The listed items are clearly wrong and harmful. I trust CFPB to intervene, enforce the law, and ensure a fair resolution to restore the accuracy of 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