Consumer complaint received 2025-08-09 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: NV

Complaint narrative:
I am submitting this complaint regarding inaccurate and unauthorized information being reported on my credit file. The following addresses, inquiries, and account details are being reported in error. These items are harming my creditworthiness, causing financial and emotional distress, and are in violation of federal consumer protection laws. I have already contacted the credit bureaus regarding these inaccuracies, but they have failed to properly investigate and correct the errors. I am now seeking the CFPBs assistance in ensuring my rights are protected under the law and that these items are removed immediately. 
ADDRESS XXXX XXXX XXXX XXXX, NV XXXX Law : FCRA Section 611 and Section 607 ( b ) require credit bureaus to maintain maximum possible accuracy and delete or correct unverifiable information.

Issue : This address is inaccurately reported and does not belong to me. I have never resided at or been associated with this address.

Story : This address is being wrongfully reported and is not connected to my current or past residence history. Including this false address may cause the wrong accounts to be linked to my file, creating a misleading credit profile and violating my consumer rights. Please delete this address immediately as it is not verifiable with any legitimate source. 

XXXX XXXX XXXX XXXXXXXX, NV XXXX Law : FCRA Section 611 and Section 607 ( b ) state that consumer reporting agencies must ensure accuracy and remove unverifiable data. 
Issue : This address is incorrect and falsely associated with my credit file. 
Story : I have no residency or financial connection to this address. Keeping it on my report could lead to mixing my file with another consumers data. This is an inaccurate and unverifiable address that must be removed in compliance with federal law. 

INQUIRIES XXXX XXXX XX/XX/2025 Law : FCRA Section 604 ( a ) ( 2 ) prohibits inquiries without the consumers written permission or permissible purpose. 
Issue : This hard inquiry was conducted without my consent and without a valid business purpose under the FCRA. 
Story : I never authorized XXXXXXXX XXXX to access my credit file on the stated date. The presence of this inquiry negatively affects my creditworthiness and violates my rights. Please remove it immediately. 

XXXX XX/XX/2025 Law : FCRA Section 604 ( a ) ( 2 ) requires a permissible purpose for obtaining a consumer report. 
Issue : This inquiry was made without my approval or any initiated application for credit.

Story : I did not apply for or request any product or service from CPS at any time near this date. This inquiry was unauthorized and must be deleted to protect the accuracy of my credit file. 

XXXX XXXX Law : FCRA Section 604 ( a ) ( 2 ) prohibits access to consumer reports without consent or a legitimate business need. 
Issue : This hard inquiry does not have my authorization. 
Story : I never gave permission for XXXX  to pull my credit report. This unauthorized action harms my credit profile and should be removed in compliance with the law. 

XXXX XXXX XXXX Law : FCRA Section 604 ( a ) ( 2 ) and Section 607 ( a ) require inquiries to have a permissible purpose and to be conducted accurately. 
Issue : This inquiry was placed on my credit file without my knowledge or approval. 
Story : I have no prior relationship or application with XXXX XXXX that would justify this access. This is an unauthorized inquiry and must be deleted to ensure my report remains accurate and fair. 

The above addresses and inquiries are being wrongfully reported, causing me significant harm. They are lowering my credit score, damaging my ability to obtain fair credit, and creating the impression that I am linked to fraudulent activity or other individuals ' credit histories. These are clear violations of my rights under the FCRA, as the credit bureaus and furnishers are obligated to ensure accuracy and completeness of reported information. I have already disputed these inaccuracies directly with the credit bureaus, providing them with detailed evidence proving these items do not belong to me. However, they have willfully ignored their duty to conduct a reasonable investigation and have instead continued to publish false and harmful data on my credit report. This behavior shows a reckless disregard for the law and my consumer rights. I am requesting that the CFPB compel the credit bureaus and furnishers to immediately remove these inaccurate addresses and unauthorized inquiries, and to confirm the permanent deletion in writing. Additionally, I am requesting an investigation into the practices of the credit bureaus and furnishers involved to ensure they implement proper verification procedures moving forward.

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