Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint because several items on my credit report are being reported inaccurately, unfairly, and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. These errors are causing me severe financial and reputational harm. 

Below is a list of the disputed items currently appearing on my credit report : Wrong Address Reporting XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is not my address and should not be associated with my personal credit file. 

Inaccurate and Harmful Account Reporting XXXX XXXX XXXX XXXX XXXXXXXX | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Reported Late Payment ( Improper reporting, no balance exists ). 

XXXX XXXX Acct # XXXX | Date Opened : XX/XX/XXXX | Balance : {$5600.00} | Charge-Off ( Disputed ). 

XXXX XXXX Acct # XXXX | Date Opened : XX/XX/XXXX | Balance : {$6400.00} | Charge-Off ( Disputed ). 

XXXX Acct # XXXX | Date Opened : XX/XX/XXXX | Balance : {$3700.00} | Charge-Off ( Disputed ). 

XXXX Acct # XXXX | Date Opened : XX/XX/XXXX | Balance : {$640.00} | Charge-Off ( Disputed ). 

Credit Collection Acct # XXXX | Date Opened : XX/XX/XXXX | Balance : {$2000.00} | Collection ( Not valid and disputed ). 

Hard Inquiries Without Proper Authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me, and under FCRA guidelines , unauthorized inquiries must be removed immediately.

Legal Basis of My Complaint : FCRA 1681e ( b ) : Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report.

FCRA 1681i : Provides my right to dispute incomplete or inaccurate information and obligates the credit bureaus to correct or delete the disputed information within 30 days.

FCRA 1681b : Restricts credit inquiries to those with a permissible purpose ; these listed inquiries do not meet that standard. 

Requested Resolution : I am requesting that CFPB investigate this matter and take corrective action by requiring the credit bureaus and furnishers to : Delete the wrong address ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ). 

Remove all inaccurate late payment, charge-off, and collection entries listed above. 

Delete all unauthorized hard inquiries from my credit file. 

Ensure that any furnisher reporting these inaccurate accounts provides full documentation proving validity. If they can not, these items must be deleted immediately. 

These inaccuracies are significantly damaging my creditworthiness, limiting my access to fair financial opportunities, and violating my rights under federal law.

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