Consumer complaint received 2025-09-24 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: WI

Complaint narrative:
To Whom It May Concern, I am filing this complaint because my credit report contains serious inaccuracies and violations of consumer protection laws. These errors involve wrong addresses, an unverified charge off, an unvalidated collection account, and multiple unauthorized hard inquiries. Each of these issues violates the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Billing Act ( FCBA ). They are causing me severe harm including credit denials, higher costs of borrowing, and emotional distress. Below are the specific items I am disputing : Wrong Addresses ( FCRA 604, 607 ( b ) ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Wrong Address These addresses do not belong to me at all. I never lived at these properties, never received mail there, and never used them for employment, housing, or credit applications. Their presence on my credit report creates confusion and risk of identity theft. I have already faced situations where lenders and landlords questioned my identity due to these false addresses. This is a direct violation of FCRA 607 ( b ), which requires credit bureaus to maintain maximum possible accuracy. By allowing false addresses to remain, my consumer file becomes tainted and unreliable. These must be removed immediately to protect me from further harm. 
XXXX XXXX ( Acct : XXXX, Open Date XX/XX/XXXX, High Credit {$300.00} ) Charge Off This account is showing as a charge off, which is extremely misleading and damaging. I was never provided with a proper billing statement or notice of delinquency as required by FCBA. I never received validation of this debt despite multiple disputes. This makes the reporting incomplete and unverifiable under FCRA 607 ( b ). The alleged balance is small, but the damage from a charge off is massiveit lowers my score, prevents me from qualifying for credit cards, auto loans, and even affects job opportunities. I recently applied for financing and was denied specifically because of this charge off. That denial created emotional stress, embarrassment, and financial strain. Since no creditor has validated the account, it must be removed as unverified and illegally reported. 
XXXX XXXX ( Acct : XXXX, Date Opened XX/XX/XXXX, Balance {$970.00} ) Collection This collection account is inaccurate, unverifiable, and in violation of FDCPA 809. I never received a dunning notice or any attempt at validation from this company. No contract, proof of ownership, or accounting of the debt has been provided. Yet, the account is damaging my report and reputation. I was recently denied housing because this collection showed up during a background check. Landlords considered me a high-risk tenant even though the debt is not mine or has not been validated. This is unfair, deceptive, and unlawful. Reporting a collection without proof is harassment under FDCPA and a violation of FCRA accuracy requirements. This account is causing me ongoing harm and must be deleted. 
Unauthorized & Excessive Inquiries ( FCRA 604, 607 ( a ) ) XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These hard inquiries are inaccurate and many are unauthorized. I never applied for credit with some of these companies. Several are duplicative ( XXXX appears twice on the same date ) which unfairly lowers my score multiple times for one event. Under FCRA 604, a permissible purpose must exist for each inquiry, yet I never gave permission for many of these. These inquiries are damaging because every hard pull reduces my score and signals credit risk to lenders. As a result, I have been denied credit cards, faced higher insurance premiums, and suffered embarrassment when trying to finance necessary items. The repeated inquiries create the false impression that I am desperate for credit, which is not true. These are unauthorized, inaccurate, and must be removed immediately. 
Requested Resolution 1. Permanently delete all wrong addresses from my credit file 2. Remove the XXXX XXXX charge off as unverified 3. Delete the XXXX XXXX collection account as unvalidated 4. Remove all unauthorized and duplicate inquiries 5. Provide written confirmation of corrections within 30 days

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 explanation