Consumer complaint received 2025-11-08 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: SC

Complaint narrative:
I am submitting this complaint because I have discovered multiple serious inaccuracies on my credit report that violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. These errors have caused significant damage to my credit reputation and financial standing. 

XXXX. Incorrect and Unfamiliar Addresses The following addresses are being reported on my credit file, and I have no connection or residence history with them : XXXX XXXX, XXXX, SC XXXX XXXX XXXX, XXXX, SC XXXX These addresses are completely inaccurate and suggest possible mixed or fraudulent file activity. I demand that these addresses be immediately removed from all credit reports. 

2. Collection Accounts I Have No Knowledge Of The following accounts are appearing as collection accounts, which I have no knowledge of, never authorized, and never received any valid verification or documentation for : XXXX XXXX High Balance : {$1100.00}, Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX High Balance : {$8200.00}, Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX High Balance : {$1700.00}, Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX High Balance : {$5600.00}, Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX High Balance : {$2100.00}, Date Opened : XX/XX/XXXX I have no prior dealings with these creditors or collection agencies. These accounts appear to be either identity theft, mixed file errors, or completely inaccurate reporting. I request that these accounts be fully deleted from my credit file and that each furnisher provide proof of ownership, signed contracts, and complete payment history if they claim validity. 

3. Unfamiliar and Possibly Unauthorized Credit Inquiries The following inquiries were made without my consent or authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have not applied for credit with these entities on the listed dates. These inquiries are unauthorized and should be immediately removed from my file as per FCRA 604. 

Requested Resolution I am requesting that the CFPB investigate these matters immediately and ensure that all credit reporting agencies ( XXXX, XXXX, and TransUnion ) and furnishers : Delete all inaccurate addresses listed above. 

Delete all unverified or fraudulent collection accounts listed above. 

Remove all unauthorized hard inquiries from my report. 

Provide written confirmation of the corrective actions taken. 

These inaccurate and unauthorized items are causing me ongoing harm, including credit denials and higher interest rates. I expect full compliance with FCRA 611 ( 15 U.S.C. 1681i ) for reinvestigation and correction within the required timeframe.

Thank you for your prompt attention to this matter. I request written confirmation of your receipt and a copy of any responses from the data furnishers or credit bureaus involved.

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 explanation