Consumer complaint received 2025-09-11 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: NV

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies and unauthorized items on my credit report, including an incorrect address and several charge-off accounts I never authorized. These items violate the Fair Credit Reporting Act ( FCRA ) Sections XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ( b ), XXXX, XXXX, and XXXX, which guarantee accurate, complete, and verifiable reporting. The false reporting has caused financial harm, emotional distress, and denial of credit opportunities. I request immediate CFPB oversight to ensure reinvestigation, verification, and correction or removal of all inaccurate items. 

ADDRESSES : XXXX XXXX XXXX XXXX, NV XXXX This is another address that does not belong to me. I have no record of ever residing at this location, no utility bills, rental agreements, or government documents link me to this address. Reporting it gives the false impression that I am associated with activities or accounts tied to this location, which could be damaging to my credit profile and reputation. Under FCRA Section XXXX, you must reinvestigate disputed information and remove anything that can not be verified with documentation from the original source. If you can not provide proof tying me to this address, you are legally required to delete it. Its continued presence violates my right to have only accurate and verifiable information in my consumer report. 

XXXX XXXX XXXX XXXX XXXX, NV XXXX This address is also inaccurate, and its inclusion on my credit report is causing confusion and misrepresentation. I have never lived at this address and have no connection to any accounts or applications tied to this location. Reporting this incorrect address makes my file appear mixed with another consumers data, which is exactly what FCRA seeks to prevent. You must take steps to ensure my report is accurate and does not include personal data belonging to someone else. If this address can not be 100 % verified with signed documentation proving my residency, it must be permanently deleted. This is a critical step in ensuring my report is accurate and does not damage my ability to obtain fair credit. 

INQUIRIES : XXXX XXXX XX/XX/year> This XXXX  inquiry was not authorized by me and has no permissible purpose under FCRA XXXX XXXX. I did not apply for credit, insurance, or employment that would justify this inquiry. Each unauthorized inquiry lowers my XXXX XXXX and misrepresents my credit-seeking behavior to potential lenders. If you can not provide written proof that I gave consent for this inquiry, you must remove it immediately from my report. 

XXXX XX/XX/year> I did not authorize this inquiry, and its reporting is harmful and inaccurate. XXXX  inquiries can only remain on file when there is a permissible purpose, which does not exist in this case. Keeping this inquiry on file without proof of my authorization is a violation of my rights under the FCRA. You must remove it to maintain maximum possible accuracy. 

XXXX XX/XX/year> This inquiry was not initiated by me and therefore should not be reported. Its presence is damaging my score and creating a misleading impression that I am actively seeking credit I never requested. If you can not provide a signed application proving my consent, it must be removed. 

XXXX  XXXX  XX/XX/year> I never authorized this XXXX  inquiry. The continued reporting of this inquiry is unlawful under the FCRA and harms my credit profile by artificially lowering my score. You are obligated to remove it if you can not prove I gave explicit authorization. 

I respectfully request the CFPB to ensure that all disputed items, including the incorrect address and all unauthorized accounts, are fully reinvestigated, verified, and corrected or removed in compliance with the FCRA. The ongoing reporting of these inaccuracies has caused substantial financial and emotional harm. I request written confirmation of all corrections and monitoring of responsible agencies and creditors.

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