Consumer complaint received 2025-08-09 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: MI

Complaint narrative:
I am filing this complaint because my credit report contains multiple inaccuracies, unverifiable accounts, and unauthorized credit inquiries, all of which violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and other applicable consumer protection laws. These errors are harming my credit score, creating the false appearance of negative credit history, and exposing me to potential identity theft. I am demanding immediate investigation and permanent removal of each inaccurate item listed below. 

XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Issue : This address is incorrect and does not belong to me, nor have I ever lived or received mail there Law : FCRA 605B and 611 ( a ) ( 1 ) ( A ) prohibit credit bureaus from reporting inaccurate address history and require deletion when disputed Story : I have verified all past residences with my ID, tax returns, and utility bills, and this address does not match any record of mine, and keeping it on file creates an impression of multiple identities or possible fraud which can lead to credit denials and compliance violations by the CRA XXXX XXXX XXXX XXXX XXXX, MI XXXX Issue : Unknown XXXX XXXX XXXX linked to my file without authorization Law : FCRA 603 ( p ) and FACTA Identity Theft Rules require consumer file security and prohibition of mixed or commingled files Story : I have never personally maintained nor applied for credit using this XXXX XXXX address, and its appearance creates the false narrative that I used undisclosed mailing addresses which may be connected to identity theft or creditor reporting errors XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Credit : {$610.00} Issue : Collection account is not mine and was never opened by me Law : FCRA 609 ( a ) ( 2 ) and FDCPA 809 ( b ) require full validation of debt before reporting Story : I have not received any original contract, signed agreement, or billing statement proving ownership of this debt, yet it is damaging my score and preventing me from obtaining fair credit offers XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$10000.00} Issue : Charge-off is unverified and contains incorrect details regarding opening date and balance Law : FCRA 611 and FDCPA 807 prohibit false credit reporting Story : This high-dollar account substantially harms my creditworthiness, and without verifiable proof including complete payment history and original signed agreement, it is illegally being furnished to XXXX XXXXXXXX XXXX  XX/XX/XXXX Inquiry Issue : Hard inquiry not authorized by me Law : FCRA 604 ( a ) ( 2 ) requires permissible purpose for credit inquiries Story : I never applied for credit with XXXX on that date , yet a hard inquiry was made, damaging my score by several points and impacting lending decisions unnecessarily XXXX  XX/XX/XXXX Inquiry Issue : Unauthorized or misattributed inquiry Law : Same as above Story : I have no record of any credit application with this entity ; failure to remove this constitutes willful noncompliance XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : No consent was given for this inquiry Law : FCRA 604 ( c ) ( 1 ) requires written authorization Story : The repeated appearance of XXXX XXXXXXXX  inquiries suggests possible application fraud using my identity XXXX  XX/XX/XXXX Inquiry Issue : Inaccurate inquiry record Law : FCRA 604 and CFPB guidance require CRA to correct or delete unverified inquiries Story : I had no dealings with XXXX ; ongoing listing is unjustified XXXX XXXX XX/XX/XXXX Inquiry Issue : No permissible purpose Law : Same Story : Appears to be linked with a dealer submission without my consent XXXX XX/XX/XXXX Inquiry Issue : Misreported hard pull Story : I have no contractual relationship with XXXX, making this a compliance breach XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Same as above Story : No proof of authorized application exists XXXX XX/XX/XXXX Inquiry Issue : Fraudulent or erroneous Inquiry Story : This entity has no business relationship with me I request the CFPB to direct the credit reporting agencies and furnishers to conduct a full investigation under FCRA 1681i, provide documented proof of accuracy and permissible purpose for each item, and permanently delete any unverifiable or unauthorized information. Continued failure to comply will result in further action including FTC complaints, Attorney General complaints, and pursuit of statutory damages in federal court.

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