Consumer complaint received 2025-07-21 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: NV

Complaint narrative:
I am filing this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, misleading, and unverifiable entries appearing on my credit report. These include erroneous addresses, invalid charge-offs and collections, and unauthorized hard inquiries. These issues are causing unjust harm to my creditworthiness and violate multiple provisions under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting a full reinvestigation, immediate deletion of the inaccurate information, and enforcement of my rights under federal law. Below I have listed the items individually with their respective law violations and explanations : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX Address Law Issue : FCRA 607 ( b ) requires credit bureaus to maintain maximum possible accuracy Story : I have never resided at this address nor do I have any financial or personal connection to it. Its presence on my report is misleading and may associate me with accounts or activity that are not mine XXXX XXXX XXXX XXXX XXXX, NV XXXX Address Law Issue : FCRA 607 ( b ) mandates credit bureaus to remove inaccurate addresses Story : This is not my residence and I have never used it in any official or financial capacity. Its listing is an error that could impact my credit profile XXXX  XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} Chargeoff * * Law Issue : FCRA 609 ( a ) ( 1 ) ( A ) grants me the right to full documentation of this account Story : I have no documents or agreements related to this account. I believe this account may be outdated, fraudulent, or incorrectly linked to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Law Issue : Reporting a {$0.00} balance with a chargeoff status violates FCRA 607 ( b ) due to misleading information Story : This account should no longer appear as a charge-off if it is fully paid or settled. Keeping it as a negative item is deceptive and unfairly harming my report XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$63.00} Chargeoff * * Law Issue : FCRA 611 and 609 require complete validation and verification of negative items Story : I do not recognize this account and have never conducted business with this lender. It may be an error or fraudulently opened in my name XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$610.00} Collection * * Law Issue : FDCPA 809 and FCRA 611 state collections must be validated upon dispute Story : I never received a final bill or collection notice from XXXX XXXX XXXX, and I believe this account was prematurely or incorrectly sent to collections XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$72.00} Collection * * Law Issue : FCRA XXXX mandates that debt XXXX must provide verifiable proof of a valid debt Story : This amount was never communicated to me. I had no unresolved billing with XXXX and suspect this collection is due to account closure issues or billing error XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Collection * * Law Issue : Unverified third-party debt reporting without proof violates FCRA 611 and FDCPA Story : I never had a financial relationship with XXXX NV XXXX I suspect this may be linked to a stolen identity or inaccurate furnishing of information DEPT OF ED XX/XX/XXXX Inquiry Law Issue : FCRA 604 ( a ) ( 3 ) requires all hard inquiries to be made with permissible purpose and my consent Story : I did not apply for any loans or services with the Department of Education on this date. This inquiry was made without my knowledge or authorization DEPT OF ED XX/XX/XXXX Inquiry Law Issue : Repeated unauthorized inquiries violate my consumer rights under FCRA 604 Story : Again, I did not authorize this inquiry. It could be a system error or the result of prior educational activity not linked to this date or purpose XXXX XXXX XXXX XX/XX/XXXX Inquiry Law Issue : Inquiries require specific consent under FCRA 604 ( a ) Story : I have not applied for any loans with XXXX XXXX. This hard pull was done without my permission, and I believe it XXXX be fraud or a misattributed entry XXXX XXXX  XX/XX/XXXX Inquiry Law Issue : Duplicate unauthorized credit pulls violate the FCRA Story : I did not authorize even one inquiry from this dealership, and yet my report shows two. This is an abuse of access to my credit report XXXX XXXX XX/XX/XXXX Inquiry Law Issue : FCRA 604 requires clear proof of permissible purpose for each inquiry Story : I did not initiate any credit-related activity with Ally on this date. This is an unauthorized access to my personal financial data XXXX  XXXX XX/XX/XXXX Inquiry Law Issue : FCRA 604 ( a ) ( 3 ) ( A ) requires consumer-initiated credit request for a hard inquiry Story : I never applied for credit with XXXX  XXXX at this time. This inquiry is causing my score to drop unfairly without my action or knowledge XXXX XXXX  XX/XX/XXXX Inquiry Law Issue : Improper access to my credit file without authorization violates FCRA 604 Story : I was not seeking credit with XXXX XXXX on this date and had no interaction with them. This appears completely unauthorized I respectfully request the Consumer Financial Protection Bureau to investigate the matters listed above in accordance with the FCRA and FDCPA. I am asking that you compel the credit reporting agencies and furnishers to provide adequate proof of accuracy or permanently delete the disputed information from my credit file. Each of these errors is affecting my financial standing and ability to obtain fair credit. I am asserting my rights under 15 U.S.C 1681i, 1681s-2, and 604, and under FDCPA 809 and 807, and request full compliance from all parties involved. Please assist in holding the furnishers and credit bureaus accountable.

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