Consumer complaint received 2025-09-23 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: AZ

Complaint narrative:
To Whom It May Concern, This is a formal complaint regarding inaccurate and harmful credit reporting that violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act. My previous CFPB complaint remains open, but these accounts require separate attention. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Wrong Address I have never lived here, this is clear mixed file contamination and reporting such inaccurate data is a violation of FCRA 609 and 611. This Arizona address connects me to an area I have no personal, professional, or financial ties with. It creates the false impression that I have moved between states without stability. This damages my ability to rent, to open accounts, and to prove consistent credit history. Creditors who see this address are more likely to treat me as high-risk, which is unfair and unlawful since it is not my address. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX Wrong Address I have never lived or received mail at this address and its inclusion is damaging my creditworthiness. This Nevada address has no connection to my life. Its reporting makes it look like I may have resided at a place associated with potential unpaid debts or collections. This false association could make me appear irresponsible or evasive to future lenders. This is a severe violation of FCRA accuracy requirements. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Late Payment this reporting is inaccurate and unverifiable, no proof of contract or valid consumer credit agreement has been provided. Reporting a late payment without proper verification violates FCRA 609 and 611, and if this is related to a government debt it is misrepresented under FCRA 623 ( a ) ( 1 ) ( A ). This negative account is hurting my ability to access credit unfairly. Because of this false late payment, I was denied a line of credit and forced to accept higher interest rates. This entry is creating a false image that I am delinquent when I am not. I have never entered into a contract that would justify this balance, and no written proof has been provided. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$540.00} Collection this account is a collection placed by a known debt buyer. Under FDCPA 807 and 809, XXXX is required to validate the debt and provide proof of ownership, which they have not done. Reporting a debt they can not prove is deceptive and a willful violation of FCRA 623 ( b ). Because of this false collection, I have been harassed by collection calls, and my credit score has been unfairly damaged, resulting in higher costs for credit and lost opportunities. This entry creates the false impression that I avoid financial obligations, which is not true. 
XXXX XXXX OF A XXXX * * * Date Opened : XX/XX/XXXX Balance : {$690.00} Collection this collection account is unverifiable. No contract, proof of debt, or legal documentation has been provided linking me to this account. Reporting such an account is a violation of FCRA 607 ( b ) ( accuracy requirements ) and FDCPA validation requirements. Because of this reporting, I was declined for a credit card and treated unfairly in a housing application. The presence of this collection gives the false appearance that I have unpaid obligations when no valid evidence exists. 
XXXX XX/XX/XXXX Inquiry this hard inquiry was placed without my authorization. I did not apply for credit with XXXX, and under FCRA 604, inquiries can only be made with a permissible purpose. Reporting an unauthorized inquiry is a violation of my privacy and harms my credit by lowering my score without justification. This creates the false impression that I am aggressively seeking credit when I am not. 
I demand that the XXXX XXXX charge offs and the XXXX inquiry be fully investigated and that all supporting documentation be provided to me. If these accounts can not be verified with proper contracts, statements, and proof of permissible purpose, they must be deleted immediately under FCRA 611. If these violations are not corrected, I will pursue further remedies under 15 U.S.C. 1681n for willful noncompliance and 1681o for negligent noncompliance.

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