Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
This complaint is being filed because XXXX  is reporting multiple false addresses false accounts false late payments false charge offs duplicate collections and unauthorized inquiries on my credit report which has caused severe financial and emotional harm I am the victim of inaccurate reporting and Experian has failed to maintain reasonable procedures under FCRA 607B failed to ensure maximum possible accuracy under FCRA 602A failed to verify accounts under FCRA 611 and failed to maintain proper reinvestigation and record-keeping standards I am requesting immediate investigation action and enforcement by the CFPB because Experian continues reporting items that do not belong to me even after multiple disputes WRONG ADDRESSES XXXX XXXX XXXX XXXX XXXX  Wrong Address I have never lived here and I have no connection to this location reporting it is false and puts my identity at risk and violates FCRA 607B XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address I have never lived here never used this address and it must be removed immediately ACCOUNTS ( ISSUES UNDER EACH ITEM ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed XXXX Late Payment this late payment status is completely false I have never made late payments and the history is inaccurately reported I demand correction not deletion because this information is wrong and unverified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off I have no knowledge or recollection of this account I never authorized it and I dispute the accuracy and ownership of this item remove it immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off I do not recognize this account and never had any agreement with this creditor this is fraudulent and must be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection this is a duplicate fraudulent account I do not owe it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection another duplicate account with different balance Experian is responsible for removing inaccurate duplicate reporting INQUIRIES ( UNAUTHORIZED ) XXXX XX/XX/XXXX Inquiry I never authorized this pull remove it XXXX XX/XX/XXXX Inquiry unauthorized inquiry remove it XXXX XX/XX/XXXX XXXX I did not give permission or initiate any application XXXX XX/XX/XXXX Inquiry unauthorized no permissible purpose XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry I never applied here remove it I am requesting CFPB intervention because XXXX has failed to follow the law failed to verify accounts failed to remove false information and failed to correct errors despite my disputes I am asking the CFPB to investigate XXXX for violations of FCRA 602A 607B 609 611 and 623 and require XXXX  to remove all inaccurate items including wrong addresses false late payments unknown charge offs fraudulent collections duplicate accounts and all unauthorized inquiries I also request enforcement action penalties and compliance review against XXXX for repeated negligence that continues to harm me financially and emotionally

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