Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
I am submitting this formal complaint to report multiple inaccuracies and unauthorized entries appearing on my credit report. These errors are negatively impacting my credit profile and must be investigated immediately in compliance with the Fair Credit Reporting Act ( FCRA ).

1. Wrong Address Reporting The following addresses are being incorrectly associated with my credit file : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I have no connection, residence history, or affiliation with these addresses. Reporting such inaccurate personal information constitutes a serious violation under the FCRA and must be promptly removed from all credit reporting agencies.

2. Inaccurate Account Information a. XXXX  ( Account XXXX. XXXXXXXX XXXX XXXX ) Late Payment Reported XXXX XXXX  Date Opened : XX/XX/XXXX | High Balance : {$210000.00} The payment history for this account is completely inaccurate. I have never made any late payments, and such reporting damages my payment record and overall creditworthiness. I request a thorough investigation and correction of this inaccurate payment history immediately, ensuring it reflects my accurate, timely payments. 

XXXX XXXX XXXX ( Account XXXX. XXXXXXXX XXXX XXXX XXXX  ) Late Payment Reported XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$11000.00} This account also shows false late payment entries. I have never been late on any payments to this creditor. This misinformation must be reviewed and corrected immediately to reflect a perfect payment record as required under FCRA 607 ( b ) for maximum possible accuracy.

3. Unrecognized Collection Accounts a. XXXX XXXX ( Account XXXX. XXXXXXXX XXXX  ) Collection Account Date Opened : XX/XX/XXXX | Balance : {$4600.00} XXXX XXXX XXXX ( Account No. XXXX ) XXXX Account Date Opened : XX/XX/XXXX | XXXX : {$190.00} I have no knowledge or association with either of these accounts. I have never received any documentation, billing statement, or notice of debt related to these collections. These entries appear to be erroneous and unauthorized, violating FCRA 602 and 611. I demand that these collection accounts be deleted entirely from my credit report across all bureaus.

4. Unauthorized Inquiries The following hard inquiries appear on my report without my consent : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX I did not authorize these inquiries. Under FCRA 604 ( a ) ( 3 ), a permissible purpose must exist for any credit inquiry. I request that these inquiries be removed immediately as they were made without my authorization.

Requested Action I am requesting that the CFPB conduct a full investigation into these violations and ensure the credit reporting agencies and furnishers correct or delete the inaccurate information immediately. I am exercising my rights under the Fair Credit Reporting Act to dispute and demand correction of all erroneous, unverifiable, and unauthorized data. 

Please provide me with written confirmation once the investigation has been initiated and concluded. 

Thank you for your time and attention to this matter. I expect this issue to be resolved promptly in accordance with federal law.

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