Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 

Bankruptcy U.S. Bankruptcy Court Reference # XXXX Law : Under FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611, I have the right to request that the credit bureau provide the source and method of verification for this bankruptcy entry. Bankruptcy information must be reported with complete accuracy and tied directly to verified court records. 
Issue : The bankruptcy listed is not properly verified and does not match my actual public record information. The reporting appears incomplete, inaccurate, or unverifiable. 
Story : I have never received documentation confirming that this bankruptcy entry is directly connected to me. Credit bureaus often rely on third-party data vendors rather than the actual U.S. Bankruptcy Court , which results in inaccurate reporting. Since you have not provided certified court records as proof, I am disputing this entry as unverifiable and demanding its deletion from my credit file.

Inquiry XXXX XXXX XXXXXX/XX/XXXX Law : FCRA Section 604 requires that inquiries must be authorized by the consumer. Any inquiry that can not be proven to have my written or electronic consent is considered unauthorized. 
Issue : This inquiry was not authorized by me and is damaging my credit profile. 
Story : I never gave permission to XXXX XXXX to access my credit report. An unauthorized inquiry is a violation of my rights under the FCRA. If you can not provide proof of permissible purpose, this inquiry must be deleted immediately. 

Inquiry XXXX XX/XX/XXXX Law : FCRA

Section 604 and Section 611 apply here, requiring the bureau to show proof that this inquiry was authorized. Issue : This inquiry was made without my consent or k
nowledge, and no account relationship exists that would justify it. 
Story : I never applied for credit with XXXX XXXX XXXX  on or around this date. This inquiry is causing harm to my creditworthiness. If you can not prove that I granted authorization, it must be removed. 

I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties 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