Consumer complaint received 2025-12-02 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:
b'To Whom It May Concern I am filing this complaint because my consumer report contains these items I have no knowledge of. I previously disputed these items, but the credit bureau failed to correct or properly reinvestigate them as required under the FCRA. These errors are harming me and must be removedXXXX XXXX XXXX XXXX, MI XXXXThis address is not mine, I have never lived here or been connected to it in any way. Reporting this violates FCRA XXXX(b) because it is not accurate or verifiable. It must be deleted permanently.XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXThis address is completely unrelated to me. Continuing to report inaccurate identifying information violates FCRA XXXX(A) and XXXX. It must be removed.XXXX XXXX XXXX XXXX XXXX, MA XXXXThis is a wrong address and has no association with me. Under FCRA XXXX(b), unverifiable personal information must be deleted immediately.\XXXX XXXX XXXX Date Opened: XXXX Balance: $XXXXThe late payment reporting is false. I have never made a late payment on this account. FCRA XXXX(b) and XXXX  require accurate reporting, and this must be corrected.XXXX XXXX Date Opened: XX/XX/XXXX Balance: $XXXXThis late payment entry is inaccurate and unverified. I have never been late, and FCRA XXXX  and XXXX  require proper verification, which has not been provided.XXXX XXXX XXXX  Date Opened: XX/XX/XXXX Balance: $XXXXThis late payment record is incorrect. I have never made a late payment. Continued reporting violates FCRA XXXX  and XXXX(a)(XXXX)(A). Correct the payment history.XXXX XXXX XXXX Date Opened: XXXX Balance: $XXXXThis late payment status is wrong. I have never been late. Under FCRA XXXX(b) and XXXX, inaccurate payment history cannot be reported.XXXX XXXX XXXX  Date Opened: XXXX Balance: $XXXXThe late payment marking is false. I have never missed any payment and therefore this violates FCRA XXXX and must be corrected immediately.XXXX XXXX XXXX Date Opened: XXXX Balance: $XXXX have no knowledge of this account and have never authorized it. A charge-off that cannot be verified violates FCRA XXXX(A), XXXX(b), XXXX, and XXXX. It must be deleted.XXXX XXXX XXXX Date Opened: XXXX Balance: $XXXX do not recognize this account and have no connection to it. Reporting a charge-off I cannot verify is a violation of FCRA XXXX(b) and XXXX. Delete this account.XXXX XXXX XXXX XXXX Date Opened: XX/XX/XXXX Balance: $XXXXI have no knowledge of this account. It is inaccurate and unverifiable, which violates FCRA XXXX  and XXXX(A). It must be deleted.XXXX XXXX  Date Opened: XXXX Balance: $XXXXThis late payment claim is false. I have never made any late payments. FCRA XXXX(b) and XX/XX/XXXXprohibit the reporting of unverified derogatory information. Correct it immediately.XXXX XXXX XX/XX/2025\nI did not authorize this inquiry. Under FCRA 604, it must be deleted.XXXX FCU XXXX inquiry with no permissible purpose. Must be removed.XXXX XXXX XXXX never granted permission for this inquiry. Delete it under FCRA XX/XX/XXXX CU XXXX  and unauthorized. Must be deleted under FCRA XXXX  and XXXX XXXX XXXX permissible purpose exists. Remove this inquiry immediately.XXXX XXXX inquiry. Delete it under FCRA XX/XX/XXXX authorization was given. Must be removed.XXXX XXXX XXXX  and unverifiable inquiry. Delete immediately.XXXXXXXX XXXX XXXX XXXX  did not authorize this pull. Remove under FCRA 60XX/XX/XXXXThis inquiry is unauthorized and must be deleted.XXXX XXXX XXXX never authorized this inquiry and it must be removed under FCRA XX/XX/XXXX request CFPB assistance to require deletion of all wrong information that do not belong to me, and to ensure the bureau complies with the FCRA.'

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