Consumer complaint received 2025-11-11 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:
Dear CFPB XXXX, I am submitting this formal complaint against several creditors, debt XXXX, and credit reporting agencies ( Experian, Equifax, and TransUnion ) for reporting inaccurate, unverifiable, and misleading information on my credit report. Despite my good financial standing and compliance, the following items are being misreported, and they continue to damage my creditworthiness and financial stability. 
Under FCRA 602 ( a ), the accuracy of credit reporting is fundamental to maintaining fairness and transparency. Under FCRA 611, I have the right to dispute and request reinvestigation of any inaccurate information. I am requesting XXXX assistance to investigate and ensure full compliance from the parties involved. 
XXXX XXXX XXXX XXXX, TN XXXX Wrong Address This address does not belong to me and has never been associated with my personal residence or employment. Reporting such an address is a violation of FCRA 607 ( b ), which requires the credit reporting agency to maintain maximum possible accuracy in consumer files. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address I have no connection to this address. Including it in my credit file creates confusion and may associate me with accounts or activities that are not mine. Please delete this address immediately to ensure compliance with FCRA 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX | Balance Owed : {$900.00} | Late Payment * * This account is inaccurately reported as late. I have never been delinquent on this account. The creditors reporting is damaging and misleading. Under FCRA 602 ( a ) and 607 ( b ), only verifiable and accurate information should appear in my report. Please correct the record to show a perfect payment history. 
HARD INQUIRIES XXXX XXXX XXXX XX/XX/XXXX SYNCB/SAMS XX/XX/XXXX These inquiries were conducted without my explicit consent. Unauthorized inquiries are a violation of FCRA 604 ( a ) ( 2 ) which allows access to a consumers credit file only with a permissible purpose. I request that all the above unauthorized inquiries be immediately removed from my credit report to restore my credit integrity.

These inaccuracies are severely affecting my creditworthiness, employment opportunities, and overall financial stability. The credit bureaus and furnishers have failed to comply with FCRA 611 ( a ) ( duty to reinvestigate ), 623 ( b ) ( duty of furnishers to investigate ), and FDCPA 807 ( false or misleading representation ). 
I am respectfully requesting the CFPB to conduct a full investigation into these violations and to compel all involved parties creditors, XXXX, and credit bureaus to correct, delete, or verify the disputed information immediately. 
Please provide me with a written confirmation of your findings and the corrective actions taken by the involved entities.

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