Consumer complaint received 2025-12-07 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: FL

Complaint narrative:
I am filing this complaint because the credit reporting agencies and the furnishers listed below are reporting inaccurate, unverifiable, unauthorized, and damaging information on my credit report. These errors violate the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ), 607 ( B ), and 611, which require accurate reporting and proper reinvestigation.

I have attempted to dispute these items with the credit bureaus, but they remain on my report despite being inaccurate, unverified, or unauthorized. These errors are causing financial harm, emotional distress, and denial of credit. 
WRONG ADDRESSES NEVER LIVED THERE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address I have never lived at this location, never used it on applications, and have no connection to this address. Any accounts linked to this address are the result of clear identity mismatch. This must be removed immediately. 
XXXX XXXX TE XXXX XXXX XXXX, FL XXXX Wrong Address This address has no association with me. I have never resided, worked, or received mail there. Its presence on my report is a violation of FCRA accuracy requirements. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address I do not recognize this address and it is not part of my history. Reporting unknown addresses is causing lenders to assume identity inconsistencies, harming my creditworthiness. 
ACCOUNTS WITH INACCURACIES FULL REINVESTIGATION REQUIRED XXXX Account : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00} Issue : Late Payment reporting is false and inaccurate. I never submitted late payments on this account, and the negative reporting is damaging my reputation. If you can not provide validated, time-stamped payment records showing lateness with my signature, you must correct the payment history immediately. This is harming my credit score unfairly and violates FCRA accuracy standards. 
XXXX Account : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account is reporting a Charge Off, but I have no knowledge of opening or maintaining this account. I never authorized it. If the bureau can not provide original signed application documents proving this is my account, it must be deleted. Reporting unverifiable accounts is a federal violation. 
XXXX Account : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This Charge Off is not mine and appears to be part of an identity mix-up. I never owned or used this account. If you can not certify its accuracy through original lender documents, this must be removed immediately for being false and misleading information. 
XXXX  Account : XXXX Date Opened : XX/XX/XXXX Balance : {$4.00} Issue : The Late Payment being reported is completely inaccurate. I always paid this account responsibly and never missed any payment. If accuracy can not be proven through complete ledger history, the incorrect late payment must be corrected or deleted from the record. 
XXXX  Account : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Issue : This Charge Off does not belong to me. I did not authorize this account and do not recognize the lender. If the bureau can not produce verified application records, identity validation, and payment history with my confirmed information, the item must be deleted for being unverifiable. 
XXXX  Account : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This Charge Off is being falsely reported. I never opened this account and have no knowledge of it. Any unverifiable account under FCRA must be deleted. This item is creating unnecessary damage to my score. 
XXXX XXXX XXXX Account : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} Issue : This Collection is not mine. I never received any bills, notices, or communications regarding this debt. If the original creditor and collector can not validate the debt in writing, it must be deleted under FCRA and FDCPA requirements. 
XXXX Account : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Issue : This Collection is unknown to me and appears to be reported in error. I never had any financial relationship with this company and demand deletion unless full validation is provided, including signed contracts and billing history. 
XXXX XXXX  Account : XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} Issue : This Collection account is not mine. I never received any communication, validation notice, or billing from this company. I do not recognize this debt, I never authorized it, and it appears to be a result of identity mix-up. Unless you can produce full documentation including the original creditors contract with my signature, billing records, and proof of assignment, this item must be deleted. 
XXXX XXXX Account : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} Issue : This Collection is falsely reporting under my name. I never had an account with this creditor, never received bills, and do not acknowledge this debt. The reporting is harming my score and violating FCRA accuracy standards. If no signed contract or full validation exists, delete this item immediately. 
UNAUTHORIZED / UNVERIFIED HARD INQUIRIES XXXX XXXX Hard Inquiry Date : XX/XX/XXXX I did not authorize this inquiry. It must be removed because I never applied for credit with this company. 
XXXX XXXX XXXX Date : XX/XX/XXXX Unauthorized inquiry. I did not apply for credit with XXXX on this date. 
XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX I did not give permission for this inquiry. Remove immediately. 
XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Unauthorized and unrecognized inquiry. I never applied for XXXX credit. 
OFF LEASE ON Hard Inquiry Date : XX/XX/XXXX This inquiry was not authorized by me and must be removed. 
REQUEST FOR CFPB ACTION I am requesting the CFPB to : Require all furnishers to provide full documentation supporting each account and inquiry Require the credit bureaus to perform a complete reinvestigation Remove all items that can not be verified with original legal proof Correct all false late payments and mixed-file inaccuracies Ensure compliance with FCRA standards These inaccurate items have caused emotional distress, unfair denials, increased interest rates, and long-term financial damage. I am requesting full intervention by the CFPB to protect my rights.

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