Consumer complaint received 2025-07-09 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 due to serious inaccuracies and harmful reporting practices on my credit file that have led to financial, emotional, and personal distress. The listed credit reporting agencies have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. These accounts and addresses were reported inaccurately, without proper verification, and have continued to impact my credit unfairly. Below is a detailed breakdown of each issue : XXXX XXXX XXXX XXXX XXXX, CA XXXX Issue : This address is inaccurately reported and does not belong to me Law : FCRA 1681c ( a ) ( XXXX ) prohibits outdated or incorrect address reporting Story : I have never resided at or been affiliated with this address. Its presence on my report is damaging and misleading and must be removed XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Status : Late Payment * * Issue : Late payment is inaccurately reported or unverified Law : FCRA 1681s-2 requires furnishers to report data accurately and investigate disputes Story : I dispute this derogatory remark. I never received proper notice of delinquency and request documented proof of this late payment. Without such evidence, this entry should be removed for failure to comply with reporting obligations XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized hard inquiry Law : FCRA 1681b ( c ) permits inquiries only with explicit consent or credit application Story : I never authorized this credit pull or applied for credit with XXXX. This inquiry was done without my permission and must be deleted immediately XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unpermitted inquiry appearing on my credit Law : FCRA 1681b requires a permissible purpose for all credit access Story : I have no relationship with XXXX  XXXX XXXX XXXX and never requested credit from them. This inquiry must be removed XXXX XXXX XXXXnquiry Date : XX/XX/XXXX Issue : Inaccurate and unauthorized credit access Law : FCRA 604 ( a ) ( 2 ) restricts access to consumer reports Story : I do not recognize this lender. No application was submitted and I consider this an invasion of privacy. Remove it immediately XXXX  Inquiry Date : XX/XX/XXXX Issue : Firm inquiry without valid reason Law : FCRA 1681b prohibits inquiries without legitimate intent Story : I did not initiate this request for credit with XXXX XXXX XXXX XXXX  and this was done without my authorization. Please delete this inquiry REQUEST FOR RELIEF I respectfully request that the Consumer Financial Protection Bureau fully investigate these matters. I request the removal of all the above incorrect addresses and inaccurate account entries from my credit file. The reporting agencies and creditors have repeatedly failed to meet their legal obligations under the FCRA and FDCPA. These entries have caused me financial harm, mental distress, and reputational damage. 
Thank you for your attention to this matter.

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