Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
I am submitting this complaint because multiple items appearing on my credit report are inaccurate, not mine, and have been reported without verification. These errors violate my rights under the FCRA and continue to harm my credit profile. I am requesting immediate investigation, correction, or deletion as required by federal law. 

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This address is not mine and has never been associated with me. Reporting a false address violates 15 USC 1681e ( b ) because you are required to maintain maximum possible accuracy and remove any unverifiable or incorrect identifying information. You are required under 15 USC 1681i to reinvestigate and delete this address immediately because it does not belong to me and can not be verified through any lawful method. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$340.00} I have no knowledge of this account and have never opened any account with this creditor. Reporting an unknown account violates 15 USC 1681e ( b ) because it is not accurate, and under 15 USC 1681i the bureaus must delete any account that can not be verified with my actual records. This appears to be a mixed-file error and must be removed entirely. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00} I have no knowledge of this account, and it has never belonged to me. Any reporting of this account is in violation of 15 USC 1681e ( b ) and must be deleted immediately under 15 USC 1681i because the creditor can not verify an account that does not belong to me. This account is inaccurate, unverified, and must be removed. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$770.00} This account does not belong to me, and I have never opened any account with this company. Reporting this inaccurate data violates 15 USC 1681e ( b ). Because it can not be verified with my identity or records, it must be deleted under 15 USC 1681i. 

XXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Balance : {$170.00} I have never had any account or obligation with this company. Reporting this collection violates 15 USC 1681e ( b ) because it is inaccurate, and 15 USC 1681i requires immediate deletion since it can not be verified with my actual history. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} I have no knowledge of this account and never authorized any debt with this entity. Under 15 USC 1681e ( b ) this reporting is inaccurate, and under 15 USC 1681i you must reinvestigate and delete this item because it can not be verified as belonging to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1700.00} I do not recognize this account and have never opened or authorized it. This reporting violates 15 USC 1681e ( b ) and requires deletion under 15 USC 1681i because the information is not mine and can not be verified. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} This medical collection is not mine, and I have no knowledge of any such service or bill. Reporting this violates 15 USC 1681e ( b ) and must be deleted under 15 USC 1681i due to unverifiable status and misreporting. 

XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} I do not recognize this account, have never received services tied to this amount, and it is incorrectly associated with my file. This violates 15 USC 1681e ( b ), and you must delete it under 15 USC 1681i. 

XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} This account is not mine, and reporting it is a violation of the accuracy requirement under 15 USC 1681e ( b ). Because it can not be verified, you are required under 15 USC 1681i to delete it immediately. 

INQUIRY XXXX  XX/XX/XXXX I did not authorize this inquiry, and it was made without my permission. Under 15 USC 1681b, no party may pull my credit report without a permissible purpose. This inquiry is unauthorized and must be deleted. 

XXXX  XXXX XX/XX/XXXX I did not authorize this inquiry. Reporting an inquiry without a permissible purpose violates 15 USC 1681b, and you are required to delete it.

I request immediate investigation and removal of all items that can not be verified with original-source documentation. These inaccuracies violate my rights and continue to cause ongoing harm.

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