Consumer complaint received 2025-12-09 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: MS

Complaint narrative:
I am filing this complaint because my consumer report contains multiple inaccurate and unverified items that are causing ongoing harm, denial of credit, and emotional XXXX. I am requesting immediate investigation, enforcement of my FCRA rights, and deletion or correction of all disputed information. 

XXXX XXXX XXXX XXXX, GA XXXX Wrong Address This is not my address and I have never lived at this location. Continuing to attach this address to my profile violates the accuracy requirements of FCRA 607 ( B ) and must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off I have no knowledge of this account and never opened it. Reporting a charge-off for an account that does not belong to me violates FCRA 602 ( A ) and FCRA 611 because no verifiable documentation exists proving ownership. This account must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off I do not recognize this account and never had any relationship with this lender. Reporting this false information violates FCRA 607 ( B ) and FCRA 611 because unverifiable data can not legally remain. This item must be removed. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off I have no knowledge of this account and never opened it. Since no evidence exists to prove it belongs to me, its continued reporting violates FCRA 602 ( A ) and 611. This account must be permanently deleted. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off I never opened this account and do not authorize its reporting. Maintaining this false charge-off violates FCRA 607 ( B ) and the reinvestigation requirements under FCRA 611 . This item must be removed immediately. 

XXXX  XXXX Bankruptcy XXXX Court : XXXX Bankruptcy XXXX Bankruptcy I have never filed for bankruptcy and this record is not mine. Associating me with a federal bankruptcy that does not belong to me violates FCRA 602 ( A ) and 607 ( B ). Since no documentation exists linking me to this record, it must be deleted under FCRA 611. 

XXXX XXXX XXXXXX/XX/XXXX Inquiry I did not authorize this inquiry. FCRA 604 requires permissible purpose, and since none exists, this must be deleted. 

XXXX XX/XX/XXXX Inquiry I did not authorize this inquiry and never applied for credit with this entity. Since there is no permissible purpose under FCRA 604, it must be removed. 

XXXX XXXX XX/XX/XXXX Inquiry I did not authorize this inquiry, and no permissible purpose exists under FCRA 604. This must be deleted.

I am requesting immediate intervention and enforcement by the Consumer Financial Protection Bureau. These inaccuracies continue to inflict financial harm, emotional distress, and loss of credit opportunities. I am demanding a full investigation and correction or deletion of all disputed items listed above in compliance with the FCRA.

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