Consumer complaint received 2025-11-08 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: NY

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint to bring to your attention multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by credit bureaus and certain furnishers of information. The information listed below has been inaccurately and wrongfully reported on my credit file, causing significant harm to my credit reputation, financial stability, and personal peace of mind. Despite my good faith efforts to resolve these issues directly with the credit bureaus, the inaccuracies remain. 
WRONG ADDRESSES REPORTED ( Violation of FCRA 605 ) : The following addresses are not mine and were never authorized for use in connection with my personal or financial records. These must be deleted from my report immediately as they are signs of potential mixed files or identity confusion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address I have never lived, worked, or received mail at these locations. The presence of these addresses raises serious security and identity concerns. I demand their immediate removal from all three credit bureau databases. 
ACCOUNT DISPUTES ( Under FCRA 611 and 623 ( a ) ( 1 ) ( A ) ) : The following accounts are being disputed because they are either inaccurate, incomplete, or can not be verified. 
XXXX XXXXXXXX XXXX ( Acct : XXXX ) Opened : XX/XX/XXXX | High Balance : {$1300.00} | Reported Issue : Late Payment I strongly dispute the reporting of any late payment on this account. I have always maintained timely payments, and no verified documentation supports any delinquency. Reporting false payment history violates FCRA XXXX ( B ), which requires data furnishers to ensure accuracy. Please correct this record to reflect an on-time payment history. 
XXXX XXXX ( Acct : XXXX ) Opened : XX/XX/XXXX | High Credit : {$580.00} | Reported Issue : Charge Off I have no knowledge of this account. I never entered into any agreement or received any services or credit from XXXX XXXX. This account appears to be fraudulent or incorrectly merged into my file. Under FCRA 609 ( A ) ( 1 ), please provide the original signed contract or any proof of authorization. If no such proof exists, this account must be permanently deleted. 
XXXX XXXX  ( Acct : XXXX ) Opened : XX/XX/XXXX | High Balance : {$420.00} | Reported Issue : Late Payment I dispute this late payment as it is factually inaccurate. XXXX XXXX  has been contacted and has confirmed no delinquent history. Please correct this reporting immediately as it is damaging my payment record and overall credit score. 
XXXX XXXX XXXX  ( Acct : XXXX ) Opened : XX/XX/XXXX | High Balance : {$1000.00} | Reported Issue : Collection I have no knowledge or recollection of this debt. I never received any notice or validation letter per 15 U.S.C. 1692g ( FDCPA ). This account is likely fraudulent or misattributed. Please delete it from my file immediately as unverified. 
XXXX XXXX XXXX  ( Acct : XXXX ) Opened : XX/XX/XXXX | High Balance : {$620.00} | Reported Issue : Collection This is another fraudulent or duplicate collection entry by XXXX XXXX XXXX. There is no valid debt agreement under my name. This entry is duplicative, unverifiable, and misleading, violating FCRA 602 ( A ). I demand its immediate removal.

UNAUTHORIZED INQUIRIES ( Violation of FCRA 604 ) : The following inquiries appear on my credit report without my knowledge or authorization. These are to be removed immediately as unauthorized hard pulls : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry I never granted permission for these entities to access my credit file. According to FCRA 604 ( a ) ( 2 ), inquiries without explicit written consent are illegal. 
SUMMARY OF VIOLATIONS 1. FCRA 607 ( a ) Failure to maintain maximum possible accuracy.

2. FCRA 611 ( a ) Failure to properly investigate disputed items.

3. FCRA 609 ( a ) ( 1 ) Failure to provide full disclosure and documentation of accounts.

4. FCRA 604 ( a ) ( 2 ) Unauthorized access to credit file.

5. FDCPA 809 ( b ) Failure to validate debts before collection reporting.

RELIEF REQUESTED I respectfully request the CFPB to open an immediate investigation into these violations and ensure that : All inaccurate addresses, unverifiable accounts, and unauthorized inquiries are permanently deleted from my credit report.

The data furnishers involved ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and any others ) are held accountable for failing to maintain accurate consumer reporting data. 
Credit bureaus ( XXXX XXXX and TransUnion ) are directed to provide a corrected copy of my credit report reflecting all removals and corrections. 
I am attaching copies of my government-issued ID, proof of current address, and any supporting documentation to verify my identity and assist with your investigation. 
Thank you for your prompt attention to this matter. I trust the CFPB will ensure that these repeated violations are investigated thoroughly and corrected in compliance with federal law.

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