Consumer complaint received 2025-08-21 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: IL

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against inaccurate and unverifiable information being reported on my consumer credit file. The credit reporting agencies and furnishers are required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to ensure maximum accuracy of consumer information, yet multiple addresses and accounts appearing on my report are wrong, outdated, or unlawfully reported. These errors are damaging my creditworthiness, preventing me from accessing fair lending, and causing ongoing harm. I have never lived at the listed wrong addresses and the accounts in question either do not belong to me, are being reported inaccurately, or are in violation of federal law. I am requesting the CFPB to investigate and hold the bureaus and furnishers accountable for violating my consumer rights under FCRA, FDCPA, and related laws. 

ACCOUNT XXXX - XXXX XXXX * * Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Status : Late Payment Law : FCRA 1681i ( a ), FCRA 1681e ( b ) Issue : Reported late payment without providing verifiable and accurate records, failure to maintain maximum accuracy standards, continued reporting despite lack of proper validation in the first dispute Story : I have disputed this account previously, yet no sufficient proof has been provided to confirm the accuracy of the alleged late payments. According to the law, the bureau must provide proper validation, including complete payment history from the original creditor. Simply verifying through an automated system does not meet the requirements of a lawful investigation. Reporting unverifiable late payments severely harms my creditworthiness and violates my rights under the FCRA. 

XXXX XXXX XXXX Date : XX/XX/XXXX Law : FCRA 1681b ( c ), FCRA 1681i ( a ) ( 1 ) Issue : Unauthorized hard inquiry with no permissible purpose, not related to any credit application I authorized Story : This inquiry was made without my knowledge or consent, and I have never initiated or applied for credit with this entity. Reporting unauthorized inquiries lowers my score and misrepresents my credit activity. Under the law, such inquiries must be removed if no verifiable permissible purpose can be proven. 

I am requesting that the CFPB take immediate action to hold the credit bureaus and furnishers accountable. I demand deletion of all inaccurate addresses and removal or correction of the accounts that can not be properly verified according to federal law. The presence of these items is in violation of the FCRA and FDCPA, and they are causing financial harm, emotional distress, and blocking fair access to credit opportunities. I respectfully ask the CFPB to enforce compliance and ensure my consumer rights are fully protected.

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