Consumer complaint received 2025-09-01 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: OH

Complaint narrative:
I am submitting this complaint to the CFPB to address multiple inaccuracies, fraudulent entries, and misreported accounts on my credit report. These errors are severely impacting my creditworthiness, ability to obtain financial products, and overall financial reputation. Despite my efforts to resolve these disputes directly with the credit bureaus and creditors, the inaccuracies persist. I am requesting the CFPBs oversight and intervention to ensure full compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and to hold all relevant parties accountable for reporting accurate information. 


Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Law : FCRA 1681e ( b ) Maximum possible accuracy required Issue : This address is not mine and has never been associated with me. Its inclusion misrepresents my identity. 
Story : Reporting this address falsely suggests I have residency history I do not, causing confusion with lenders and landlords. This false reporting has delayed my loan applications, created verification problems, and put me at risk for identity fraud. It is essential that this incorrect address be removed immediately. 

Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Law : FCRA 1681e ( b ) Accuracy of reported information Issue : This address is not connected to me and is incorrect. 
Story : Its presence on my credit report has led to repeated questions during credit checks, negatively impacting my credibility with financial institutions. The false address suggests a residency history I never had, causing misrepresentation of my personal data. Immediate deletion is required to restore accuracy. 

Account : XXXX XXXX # XXXX Chargeoff {$1300.00} Opened XX/XX/XXXX Law : FCRA 1681i Right to dispute and verify accounts Issue : Reported as a charge-off in error without proper verification. 
Story : I have never received any validation, original contract, or proof of this account. Reporting this charge-off falsely damages my credit score and creates the impression that I am delinquent on payments, which is untrue. It has led to loan denials, increased interest rates, and unnecessary stress during financial planning. This incorrect reporting also misrepresents my reliability to lenders, landlords, and other institutions. Immediate removal or full validation is required to restore accuracy to my credit file. 

Account : XXXX XXXX  # XXXX Collection {$250.00} Opened XX/XX/XXXX Law : FCRA 611 & FDCPA 809 Verification of disputed debt required Issue : This collection account is not mine and lacks any supporting documentation. 
Story : Reporting an unverifiable debt falsely portrays me as having unpaid obligations, which can harm my ability to secure credit or housing. It has already caused delays in loan processing and created confusion during background checks. The false collection account increases my stress and forces me to spend time and resources disputing it. Maintaining this account without verification violates my rights and misrepresents my financial responsibility. Immediate deletion is necessary to correct my credit report. 

Inquiry : XXXX XXXX XX/XX/XXXX Law : FCRA 604 Inquiry must have permissible purpose Issue : This inquiry was made without my consent and is unauthorized.

Story : This unauthorized inquiry falsely suggests that I applied for credit, which can negatively affect my credit score and make lenders question my financial responsibility. It has caused me to delay legitimate credit applications due to the confusion this creates. Moreover, repeated unauthorized inquiries increase the risk of identity theft and misrepresentation of my financial behavior. The stress and time wasted disputing this inquiry are considerable. Immediate removal is required to protect my credit integrity. 

Inquiry : XXXX XXXX XX/XX/XXXX Law : FCRA 604 Consent required for any credit inquiry Issue : No written authorization or application exists for this inquiry.

Story : This inquiry misrepresents my credit activity and falsely indicates that I was seeking new credit on this date. As a result, it may have lowered my credit score and impacted loan approvals, making it appear as if I am taking on additional financial risk. The presence of unauthorized inquiries undermines the accuracy of my credit report, creates unnecessary stress, and forces me to spend time correcting this error. Deletion is essential to restore the accuracy of my credit file. 

I am requesting that the CFPB take immediate action to address these inaccuracies. All inaccurate addresses and account entries should be fully reinvestigated and corrected or removed in accordance with the FCRA. I also request the CFPB to provide confirmation of actions taken and updated credit report copies reflecting the corrected information. My intent is to ensure fair, accurate, and legally compliant credit reporting, and I trust the CFPB will enforce these rights on my behalf.

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