Consumer complaint received 2025-11-01 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: PA

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint against the credit reporting agencies ( XXXX, XXXX, and TransUnion ) and the furnishers listed below for reporting false, unverifiable, and unauthorized information on my credit file. These inaccuracies have caused significant harm to my creditworthiness and are in violation of the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ). 
The following addresses are incorrect and should be removed from my credit file : XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX I have never lived at or been associated with these addresses. Please delete them immediately from my credit report. 
The following accounts are being reported inaccurately and require immediate correction : XXXX  XXXX XXXX Open Date : XX/XX/XXXXXXXX  High Credit : {$2000.00} This account is incorrectly reporting late payments. I have never been late on this account, and the reported payment history is false. Please update this account to show a perfect payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXXXXXX  High Credit : {$0.00} This account is also showing late payments that are inaccurate. I have maintained all payments as agreed. Please correct the reporting to reflect an on-time status. 
XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXXXXXX  High Credit : {$0.00} The reported late payment information is inaccurate. I have never missed or been late on this account. Please investigate and correct the payment history. 
Unverified or Unauthorized Hard Inquiries The following inquiries were not authorized by me and I have no prior relationship, application, or consent with any of these companies. Please investigate and remove all unauthorized inquiries immediately from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are causing unjustified harm to my credit profile. Under the FCRA 604 ( a ) ( 3 ), no inquiry may be made on a consumers credit report without a permissible purpose or my explicit consent. Please investigate and remove each inquiry that can not be verified with proof of a signed authorization or a legitimate credit application. 
Requested Resolution : 1. Remove all false late payments from DEPT OF EDUCATIONXXXX accounts. 
2. Delete the unverifiable XXXXXXXX XXXX XXXX XXXXXXXX charge-off account. 
3. Remove all unauthorized hard inquiries listed above.


4. Ensure all credit reporting agencies update my report to reflect accurate and verified information only.

These actions are required to restore the accuracy of my consumer file as guaranteed under the Fair Credit Reporting Act, 15 U.S.C. 1681i and 1681s-2.

Please investigate these matters promptly and provide me with a written confirmation of your findings and corrective actions. 
Thank you for your attention to this serious issue.

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