Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unverified, and unauthorized items being reported on my XXXX  credit file. XXXX  has failed to maintain the accuracy and integrity of my consumer information as required under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681i, 1681e ( b ), and 1681s-2. These errors have negatively affected my credit profile and have caused me unnecessary harm and frustration. 

XXXX  is reporting incorrect personal information, including the addresses XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, and XXXX XXXX XXXX, XXXX, TX XXXX XXXX I have never resided at or used these addresses for any credit or identification purposes. Their presence on my credit file represents inaccurate and misleading data that must be deleted immediately under FCRA 1681i ( a ). 

In addition, XXXX  is inaccurately reporting multiple accounts as having late payments when I have never made any late payments on them. These include XXXX account number XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$0.00} ; XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$220.00} ; XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$63.00} ; XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$29.00} ; XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX ; XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$27000.00} ; and TX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$0.00}. These accounts are being reported as having late payments that never occurred. Such reporting is false and violates the FCRAs requirement to ensure maximum possible accuracy of consumer information under 1681e ( b ), as well as 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know to be inaccurate. 

Furthermore, XXXX  is listing several unauthorized hard inquiries that were not initiated or approved by me. These include XXXX XXXX  XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were conducted without my consent and without a permissible purpose under FCRA 604 ( a ) ( 3 ). Unauthorized inquiries not only violate my rights but also unfairly lower my credit score. 

Despite my good faith attempts to dispute these inaccuracies directly with XXXX, the errors continue to appear on my credit report without proper verification or correction. XXXX  repeated failure to accurately report, verify, and remove incorrect or unauthorized data constitutes non-compliance with the FCRA. I am requesting the CFPBs assistance in compelling XXXX  to conduct a full and lawful reinvestigation of my file, to delete all unverifiable, inaccurate, and unauthorized information, and to provide me with written confirmation and an updated credit report showing these corrections. 

These inaccuracies have caused damage to my creditworthiness, personal reputation, and financial stability. I respectfully request that the CFPB take immediate action to ensure XXXX  complies fully with federal law and corrects all disputed information without delay.

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