Consumer complaint received 2025-08-13 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:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to dispute inaccurate and incomplete information reported on my credit file that is causing me substantial harm and affecting my ability to access credit fairly. The addresses listed above are incorrect and do not belong to me, which violates my right to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy in consumer reports. Inclusion of these wrong addresses creates confusion, suggests possible fraud, and lowers my creditworthiness unfairly.

ACCOUNTS XXXX XXXX XXXX  High Balance : {$1400.00} Date Opened : XX/XX/XXXX Late Payment * * Law & Issue : FCRA 607 ( B ), 611 Information must be accurate and verifiable ; late payment entries must have supporting evidence from the original creditor.

Story : This account is reporting late payments that are inaccurate and unverifiable. I have no record of these alleged late payments, and the creditor has failed to provide proper documentation proving the delinquency. This damages my creditworthiness and must be corrected or removed immediately. 

XXXX XXXX XXXX XXXX XXXX High Balance : {$7800.00} Date Opened : XX/XX/XXXX Chargeoff * * Law & Issue : FCRA 607 ( B ), 611, FDCPA 807 Reporting must be accurate and not misleading ; charge-offs must be supported with complete payment history and contractual proof.

Story : This charge-off is inaccurate and unverifiable. The reporting creditor has failed to validate the alleged debt, the balance, and the dates. Without complete validation, the continued reporting violates the FCRA and FDCPA, and it must be deleted.

INQUIRIES XXXX XXXX XX/XX/XXXX Unauthorized Inquiry Law & Issue : FCRA 604 Credit inquiries require permissible purpose ; without authorization, they must be removed.

Story : I did not apply for credit or authorize this inquiry. It is unauthorized and damaging to my credit profile. 

XXXX XX/XX/XXXX Unauthorized Inquiry Law & Issue : FCRA 604 No permissible purpose.

Story : I never authorized this credit pull ; it must be deleted. 

XXXX XXXX XX/XX/XXXX Unauthorized Inquiry Law & Issue : FCRA 604 No permissible purpose.

Story : Inquiry made without my permission. 

XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiry Law & Issue : FCRA 604 No permissible purpose.

Story : I did not approve this inquiry. 

XXXX XXXXXX/XX/XXXX Unauthorized Inquiry Law & Issue : FCRA 604 No permissible purpose.

Story : Inquiry made without my permission. 

XXXX XXXX XX/XX/XXXX Unauthorized Inquiry Law & Issue : FCRA 604 No permissible purpose.

Story : I did not authorize this inquiry.

I request the Consumer Financial Protection Bureau ( CFPB ) to investigate these inaccuracies promptly and ensure that all erroneous information is corrected or deleted from my credit file in accordance with federal law. I reserve all rights to take further action if these violations continue, including reporting to the Federal Trade Commission and pursuing legal remedies under 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 explanation