Consumer complaint received 2025-07-15 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: MI

Complaint narrative:
I am submitting this formal complaint against the credit reporting agencies for reporting multiple inaccurate addresses, accounts with incorrect or misleading statuses such as charge-offs and late payments, and unauthorized or unverified hard inquiries that have harmed my creditworthiness and financial standing. These errors are serious violations of my rights under federal law including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. I have never lived at or been associated with several of these addresses and the accounts and inquiries in question contain inaccurate or unverifiable information. Despite prior disputes, these items remain unresolved. XXXX XXXX XXXX XXXX MI XXXX Law : FCRA Section 609 ( c ), 611 ( a ) Issue : This address is being reported inaccurately and I have never resided here Story : I have never lived at this location and its presence is damaging my identity verification and causing confusion with lenders XXXX XXXX XXXX XXXX XXXX, MI XXXX Law : FCRA Section 609 ( a ), 611 ( a ) Issue : This address is not mine and is incorrectly tied to my profile Story : I do not recognize this address and request that it be removed from my report as it XXXX be related to fraudulent activity or reporting error XXXX XXXX XXXX XXXX, MI XXXX Law : FCRA Section 609 ( a ) ( 1 ), 610 ( b ) Issue : This address is not associated with me and is factually incorrect Story : I have never lived or received mail at this address and its inclusion is harming my creditworthiness XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} * * Law : FCRA Section 605 ( a ) ( 5 ) Issue : Account shows late payments but balance is {$0.00} and account is too old Story : This tradeline is obsolete and reporting late payments on a {$0.00} balance misleads lenders and violates credit aging rules XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} * * Law : FCRA Section 623 ( a ) ( 1 ) ( A ), 611 ( a ) Issue : Late payments reported without verified delinquency Story : I have no memory of this delinquency and no proof has been provided, and thus the derogatory status must be removed XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Law : FDCPA Section 807 ( 2 ) ( A ), FCRA XXXX XXXX ( a ) Issue : This collection appears to be a duplicate of a charge-off entry listed above Story : Reporting the same debt in two different statuses by two different furnishers is misleading and considered deceptive debt collection practice XXXX XXXX XX/XX/XXXX Law : FCRA Section 604 ( a ) ( 3 ) ( A ) Issue : Unfamiliar hard inquiry not authorized by me Story : I never applied for credit with this institution on this date and this inquiry is unauthorized and damaging to my credit score I am requesting that the Consumer Financial Protection Bureau take immediate action to investigate these serious violations of the Fair Credit Reporting Act and ensure that the credit bureaus and furnishers involved correct or delete all inaccurate, unverifiable, and unauthorized information listed above. These errors have caused significant harm to my credit profile, financial stability, and overall well-being. I demand full compliance with federal law, proper reinvestigation under FCRA 611, and timely written confirmation of the actions taken. Failure to address these issues appropriately may result in further legal actions to protect my rights as a consumer.

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