Consumer complaint received 2025-08-07 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:
To the Consumer Financial Protection Bureau, I am filing this formal complaint regarding multiple inaccurate, unauthorized, and misleading items reporting on my credit report, which are severely damaging my creditworthiness and causing me significant financial harm. Despite my attempts to resolve these matters with the credit reporting agencies and furnishers, these errors persist. I request immediate intervention and enforcement of my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address This address is completely unfamiliar to me and I have never resided, worked, or had any association with this location. Reporting such an inaccurate address violates FCRA Section XXXX A which obligates consumer reporting agencies to ensure the maximum possible accuracy of information. This type of misinformation is extremely alarming as it suggests potential identity confusion or fraud. I request you immediately delete this incorrect address and investigate how it got associated with my profile without my authorization. 
XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$5100.00} Late Payment I strongly dispute the late payment being reported on this account. Under FCRA 15 U.S.C XXXXi, if any information is incomplete or inaccurate, the credit bureau must correct or delete it. I have consistently made timely payments, and any late reporting is either in error or caused by internal misreporting. This false derogatory mark is unjustly affecting my credit profile and financial credibility. I demand this account be reinvestigated with original payment history and corrected. The presence of this error is not only damaging but constitutes negligent data handling. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1000.00} Late Payment I am disputing the reported late payment on this account. This account had payment arrangements in place and any late mark violates the original terms agreed upon. As per FCRA XXXX ( a ) ( XXXX ) ( B ), furnishers must not report information they know or have reasonable cause to believe is inaccurate. Moreover, as a consumer I was never notified or warned of potential delinquency in the proper manner, as required by law. This inaccurate information is harmful and must be rectified. 
XXXX XXXX XX/XX/XXXX Inquiry I never consented to this hard inquiry and did not apply for credit from XXXX XXXX XXXX. This inquiry is a breach of consumer rights under FCRA and must be deleted as it is negatively impacting my credit profile. 
XXXX XX/XX/XXXX Inquiry I did not give authorization to XXXX XXXX XXXX to access my credit file. This inquiry was not initiated by me and therefore must be removed. The Fair Credit Reporting Act mandates permissible purpose which this clearly violates. 
XXXX XXXXXX/XX/XXXX Inquiry This credit pull is unauthorized. I did not apply for any loan or credit product with XXXX XXXX. FCRA XXXX requires consumer consent before pulling a credit report. This inquiry has no legal basis and is hurting my credit score unjustly.

I request the CFPB to investigate these violations of the FCRA, ensure correction or deletion of all inaccurate information, enforce compliance with consumer protection laws, and provide remedies for the damages caused. 
Thank you for your immediate attention to this serious matter.

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