Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and demand immediate correction of multiple inaccuracies on my credit report that have caused me severe financial harm, XXXX, and emotional XXXX. This letter is submitted under the rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16921692p. 
Wrong Addresses : XXXX XXXX XXXX XXXXXXXX, CA XXXX This address has never been my residence. Its inclusion on my credit report has caused me identity confusion and has led to potential denial of credit. Reporting incorrect addresses is a direct violation of FCRA 1681i, which requires consumer reporting agencies to ensure maximum possible accuracy. The presence of this incorrect address not only misrepresents my personal information but also exposes me to potential fraud or identity theft. I have never lived or conducted any financial transactions linked to this location. The continued reporting of this false information is harmful and unacceptable. 
XXXX XXXX XXXXXXXX, CA XXXX This address is incorrectly associated with me and has caused repeated complications with financial institutions, including credit verification problems and loan denials. This reporting is misleading and violates my rights under FCRA, causing tangible financial and emotional harm. I demand its immediate removal and written confirmation once corrected. 
Collections : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$350.00} XXXX dispute the validity of this collection account. I have never been provided proper verification of this debt. Continued reporting without proper verification is a violation of FCRA 1681i ( a ) and FDCPA 809, which require debt collectors and credit reporting agencies to substantiate claims. This erroneous entry has caused severe XXXX, XXXX, and has negatively affected my ability to secure financial services. The inclusion of this collection account is unfair, inaccurate, and unlawful. I demand its removal unless verified with proper documentation. 
Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX I never authorized this inquiry. Unauthorized hard inquiries reduce my credit score and are illegal under FCRA 604 ( a ) ( 3 ). 
XXXX XXXX XX/XX/XXXX I never applied for or authorized any credit check with this institution. Unauthorized reporting of this nature is misleading and harmful. 
XXXX XXXX  XX/XX/XXXX Unauthorized and without my consent, causing damage to my credit profile. 
XXXX XXXX  XX/XX/XXXX This inquiry was not authorized by me and is a violation of my rights. 
XXXX XXXX XX/XX/XXXX Unauthorized and negatively affecting my creditworthiness. 
XXXX XXXX XX/XX/XXXX I did not initiate or authorize this inquiry. It constitutes an illegal reporting under FCRA 604. 
The repeated appearance of these unauthorized inquiries has caused denial of loans, higher interest rates, emotional XXXX, and confusion in my financial life. I have maintained careful financial behavior, yet these illegal actions continue to harm me. I demand their immediate removal and written confirmation of correction.

Action Requested : I request that the credit reporting company immediately : 1. Investigate and remove all inaccurate addresses from my credit file.

2. Delete all collections entries that can not be verified or are inaccurate.

3. Remove all unauthorized inquiries from my credit report.

4. Provide me with written confirmation of all corrections within the legally mandated timeframe.

Failure to correct these errors promptly constitutes a violation of my rights under FCRA and FDCPA, and I reserve the right to pursue all available legal remedies, including filing complaints with state and federal authorities and seeking damages. I insist that my credit report reflect only accurate, verifiable, and lawful information.

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