Consumer complaint received 2025-11-22 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 formal complaint because multiple credit reporting agencies continue to report inaccurate, unverifiable, and unauthorized information on my consumer credit profile in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

Despite multiple disputes submitted directly to the credit reporting agencies and furnishers, the following items continue to appear without proper verification or correction : WRONG ADDRESS REPORTING These addresses do NOT belong to me and should not appear in my credit file : XXXX XXXX XXXX, NY XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address These are inaccurate and unauthorized personal identifiers and pose a risk of mixed files and identity confusion. Under FCRA 604 & 609 ( a ) ( 1 ), the CRA must maintain only accurate consumer profile information. 

UNAUTHORIZED & UNVERIFIED ACCOUNTS The following accounts are appearing on my report, and I have no knowledge of these accounts. No documentation proving legal ownership, signed agreement, or chain of custody has been provided : XXXX XXXX Acct Ending XXXX High Balance : {$21000.00} | Date Opened : XX/XX/XXXX | Charge-Off XXXX XXXX Acct Ending XXXX High Balance : {$1800.00} | Date Opened : XX/XX/XXXX | Collection XX/XX/XXXX Acct Ending XXXX High Balance : {$430.00} | Date Opened : XX/XX/XXXX | Collection Since these furnishers have failed to provide validation under FCRA 611, 615 ( b ), and 623 ( a ) ( 1 ) ( A ), these accounts must be deleted immediately. 

SUSPICIOUS & UNAUTHORIZED INQUIRIES The following hard inquiries were performed without my written permission. I did not authorize these entities to access my consumer file : PATHFWD/OPOR Date : XX/XX/XXXX XX/XX/XXXX Date : XX/XX/XXXX XXXX FCRA 604 ( a ) ( 2 ) and 615 ( a ), no creditor or third party may pull my credit report without permissible purpose. These inquiries must be removed. 

REQUESTED ACTION I am requesting the CFPB to require the furnishers and credit reporting agencies to : Conduct a full reinvestigation compliant with FCRA 611 Provide documented proof of all disputed accounts ( signed contract, application, chain of assignment ) Remove unverifiable accounts immediately Delete unauthorized addresses and inquiries Provide written confirmation of corrections within 15 business days HARM SUFFERED These inaccurate and illegally reported items have negatively impacted : My credit scores My ability to obtain financing My financial reputation This ongoing negligence constitutes willful and negligent non-compliance under FCRA 616 and 617, and I reserve the right to pursue legal action if these violations are not corrected. 

I request that the CFPB hold all furnishers and reporting agencies accountable and ensure full compliance with federal consumer protection laws. 

Thank you for your time and attention.

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