Consumer complaint received 2025-08-20 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. 

ADDRESS XXXX XXXX XXXX XXXX, CA XXXX Law/Issue : FCRA 609 ( a ) and 611 require accurate reporting and reinvestigation of disputed information. 
Story : I have never lived at or been associated with this address. Including this in my credit file is a mix-up of personal data that could belong to another consumer. This creates the appearance of possible identity confusion and damages my credit reputation. I demand immediate deletion. 

XXXX XXXX XXXX, CA XXXX Law/Issue : FCRA 607 ( b ) requires maximum possible accuracy. 
Story : This address is not and has never been linked to me. Its presence in my file misrepresents my true residential history, causes confusion, and could affect verification when applying for credit. Such misinformation must be removed immediately.

XXXX XXXX XXXX XXXX XXXX, CA XXXX Law/Issue : FCRA 609 ( a ) and 611 entitle me to deletion of unverifiable addresses. 
Story : This address is completely foreign to me and has no connection to my history. Keeping false addresses creates the false impression that I may have hidden accounts or obligations tied to that location. This is damaging and must be corrected.

ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} Collection * * Law/Issue : FCRA 611 requires reinvestigation ; FDCPA 809 requires validation of debts. 
Story : This account is listed as a collection but no validation or original documentation was ever sent to me. It is inaccurate, unverifiable, and misleading. Without full validation, this reporting is unlawful and must be deleted. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4700.00} Collection * * Law/Issue : FCRA 607 ( b ) requires accuracy ; FDCPA 809 requires debt validation. 
Story : I never had this account and strongly dispute its validity. This appears to be a case of mixed file or identity confusion. Reporting this as a collection without proof is damaging and illegal. It must be removed immediately. 

INQUIRY XXXX XXXX XXXXXX/XX/XXXX Law/Issue : FCRA 604 ( a ) prohibits unauthorized inquiries. 
Story : I did not apply for credit with this entity and did not authorize this inquiry. It is damaging my credit score and must be deleted immediately.

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 explanation