Consumer complaint received 2025-12-08 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: MI

Complaint narrative:
I am submitting this complaint to report multiple inaccurate, unverified, and unlawfully reported items that have severely harmed my credit profile, financial stability, and personal well-being. I have been repeatedly affected by reporting practices that violate federal law, and despite my good-faith attempts to correct these issues, the furnishers have continued reporting harmful and inaccurate information. These errors have created substantial obstacles in my daily life, causing emotional distress, financial loss, and unjust denials, and I am requesting immediate review, correction, and enforcement of my rights under all applicable federal consumer protection laws. 

ADDRESSES XXXX XXXX PA XXXX, MI XXXX This address is not mine and has never been associated with me. I have never lived here, received mail here, or used this address for any purpose. Reporting an address that has no connection to me violates 15 U.S.C. 1681e ( b ) because accuracy can not be maintained when unverified personal identifiers are attached to my file. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX I have no relationship to this address whatsoever. This creates mixed-file confusion and violates the requirement that only accurate and verifiable information be reported under my profile. 

XXXX XXXX XXXX XXXX XXXX, MI XXXX This location has never belonged to me and is appearing without my authorization. It must be removed because it fails the verification requirement established under 15 U.S.C. 1681i. 

ACCOUNTS XXXX XXXX XXXX IN XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} Collection I have no knowledge of this collection account and have never entered into any agreement with this entity. Without original signed documentation proving ownership and liability, this account can not be reported. Any unverified collection violates 1681e ( b ) and 1681i. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff I have no knowledge of this account. I never authorized, opened, or used this account in any manner. A charge-off with no proof of ownership is a direct violation of the FCRAs accuracy requirements. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff This account is unknown to me. No contract or proof exists showing that I am responsible for it. Any unverifiable negative item must be deleted. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} Chargeoff I do not recognize this account and never established it. Reporting a charge-off that can not be linked to me with verified documentation is unlawful. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Chargeoff I have no knowledge of this account. There is no valid documentation proving it belongs to me. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Chargeoff Unknown account. No contract, no authorization, and no verification has been provided. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Chargeoff This account is completely unfamiliar and must be removed if verification can not be proven. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$64.00} Chargeoff I have no knowledge of this account. Reporting it violates the standard of maximum possible accuracy. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment This reporting is inaccurate because I have never made any late payment on this account. The late-payment history must be corrected immediately. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} Chargeoff Unknown account. No authorization or contract exists showing this belongs to me. 

XXXX / XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} Chargeoff I do not recognize this account and have never entered into any agreement related to it. Unverified data must be deleted. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Chargeoff I have no knowledge of this account. It can not remain without legal verification. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment This late-payment history is inaccurate because I have never been late. The reporting must be corrected immediately. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Collection I have no knowledge of this collection. Without proof of ownership, it must be removed under 1681e ( b ). 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Collection Unknown account. I never authorized or created any account that could result in this alleged collection. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$670.00} Collection This collection is not mine and must be deleted if verification can not be produced. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection I have no knowledge of this account and never authorized any transaction linked to it. Unverified collections can not remain. 

INQUIRIES XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me and lacks permissible purpose under 1681b. 

XXXX XXXX XX/XX/XXXX Unauthorized and must be removed. 

XXXX XXXX XX/XX/XXXX I did not authorize this inquiry. It must be deleted. 

XXXX XXXX XX/XX/XXXX Unauthorized access violates permissible-purpose requirements. 

XXXX XXXX XX/XX/XXXX No authorization was ever given for this inquiry. 

XXXX XXXXXX/XX/XXXX Unverified and unauthorized inquiry. 

XXXX XXXX XX/XX/XXXX I did not authorize this credit pull and it must be removed. 

I respectfully request immediate intervention, full enforcement of my rights, removal of all unverified and inaccurate items, and corrective action against any furnisher or entity failing to comply with federal law. The continuing harm caused by these unlawful reporting practices has been significant, and resolving these violations is necessary to restore the accuracy and integrity of my credit file and protect me from further financial and personal damage.

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