Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
To Whom It May Concern this is a formal complaint filed with the Consumer Financial Protection Bureau regarding serious inaccuracies on my credit report that are causing me harm and distress the information being reported is not only outdated but also misleading and does not accurately reflect my financial conduct I am disputing the following address and accounts which are appearing on my credit report without my authorization or are being inaccurately reported despite previous attempts to correct them I am now seeking the intervention of the CFPB to enforce my rights under federal law and demand a reinvestigation and immediate correction.

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Address Law : FCRA 602 A states consumers have the right to privacy and accurate reporting.

Issue : I have never resided at or been affiliated with this address, yet it appears on my credit report. 
Story : This address is unfamiliar and unrelated to me and its presence has caused confusion and may lead to misattribution of account data. I request immediate deletion and reinvestigation under FCRA 611.

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Address Law : FCRA 607 ( b ) mandates furnishers must ensure maximum possible accuracy. 
Issue : I have no connection to this address and its inclusion is erroneous. 
Story : This address does not belong to me and may result in the mixing of files. I request its deletion and an investigation to verify the validity as per FCRA 611.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Chargeoff * * Law : FCRA 607 ( b ) & 611 give consumers the right to dispute inaccurate negative entries. 
Issue : The charge-off status is inaccurately assigned to this account. 
Story : This account was closed with a zero balance and should not have been charged off. I request you verify with the furnisher and correct or remove the item if unsubstantiated.

XXXX XXXX Inquiry Law : FCRA 604 ( a ) ( 2 ) requires user certification before pulling credit. 
Issue : This credit inquiry is unauthorized and harmful. 
Story : I never initiated or approved this inquiry and request proof of permissible purpose or its immediate deletion. 

XXXX XXXX XX/XX/XXXX Inquiry Law : FCRA 604 mandates consumer authorization or permissible purpose for credit inquiries. 
Issue : This inquiry was made without my knowledge or consent. 
Story : I did not apply for any financial product from this institution and believe this was a mistake or fraud. Please remove the inquiry or provide documentation of consumer consent. 

I am requesting the CFPB to intervene and enforce my rights under the Fair Credit Reporting Act to ensure that all disputed items above are properly investigated corrected or deleted I request documentation of the reinvestigation process and a written response confirming the final outcome of each dispute I am prepared to escalate this matter legally if the inaccuracies are not resolved in compliance with federal law.

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