Consumer complaint received 2025-09-26 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:
To Whom It May Concern, I am filing this formal complaint under the authority of the Consumer Financial Protection Bureau regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). My consumer rights are being willfully ignored as my credit file contains false addresses, incorrect late payment reporting, unverified collection accounts, and unauthorized inquiries that were made without my consent. These errors are severely damaging my financial reputation, causing me stress, denial of credit opportunities, and reputational harm. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address has never belonged to me and I have no connection to this location. Reporting this address is reckless and harmful to my credit profile, creating confusion, misidentification, and the potential mixing of files. FCRA 609 requires you to maintain accurate identifying information. Keeping this wrong address violates FCRA accuracy standards and puts me at risk for fraud and misrepresentation. 
XXXX XXXX  XXXX  XXXX, TX XXXX Wrong Address I have no ties or residence history to this address. Including this in my file is inaccurate and misleading. Such errors damage my credibility and are in direct violation of FCRA 607 ( b ) which mandates reasonable procedures to assure maximum possible accuracy of the information reported. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$8200.00} Date Opened : XX/XX/XXXX Late Payment I dispute the claim of late payments. I have no knowledge of ever being delinquent on this account. Unless you can provide signed, verifiable, and dated records proving a late payment, this reporting is inaccurate and must be corrected. 
XXXX XXXX XXXXXXXX XXXX High Balance : {$24000.00} Date Opened : XX/XX/XXXX Late Payment The reported late payments are inaccurate and defamatory. I have no recollection of being late. Continued reporting without validation is unlawful under FCRA 611 ( a ) and 623 ( b ). You must correct the payment history immediately. 
XXXX XXXX XX/XX/XXXX Inquiry I did not authorize this inquiry. It was done without my consent, which is a violation of FCRA Section 604. Unauthorized inquiries damage my credit score and must be removed. 
XXXX XXXX XX/XX/XXXX Inquiry This is an unauthorized inquiry. I did not apply for credit with XXXX XXXX and no permissible purpose exists. It must be deleted immediately. 
XXXX XX/XX/XXXX Inquiry This inquiry is unauthorized. I never gave XXXX permission to pull my report. Any inquiry made without consent is unlawful and must be removed. 
XXXX  XXXX  XX/XX/XXXX Inquiry This inquiry was not authorized by me. There is no permissible purpose. I demand immediate deletion. 
XXXX XXXX XX/XX/XXXX Inquiry Unauthorized inquiry. I never consented to this. You must remove it. 
XXXX XX/XX/XXXX Inquiry This inquiry is not authorized. I did not give consent, and there is no permissible purpose under FCRA 604. Delete immediately. 
XXXX XX/XX/XXXX Inquiry This inquiry is unauthorized. I never applied for credit with XXXX on that date. This must be removed at once. 
XXXX XX/XX/XXXX Inquiry Unauthorized inquiry. I did not approve this. Delete immediately. 
These repeated violations of my consumer rights are unacceptable. I am demanding that CFPB investigate these matters and compel the credit reporting agencies and furnishers to correct, remove, or delete all inaccurate, unverifiable, and unauthorized items. 
The continued reporting of false addresses, unverified late payments, unlawful collections, and unauthorized inquiries is in direct violation of FCRA Sections 602, 604, 607, 609, 611, 623 and FDCPA Section 809 ( a ). These actions have caused me ongoing financial and emotional harm. 
I respectfully request that the CFPB take immediate action to hold these entities accountable and require full correction of my credit file.

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