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: CA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized and inaccurate information reported on my credit reports. I am a victim of identity theft and severe misreporting, resulting in fraudulent accounts, incorrect addresses, and unauthorized hard inquiries appearing across all three major credit bureaus. I did not authorize any of these entries, and they are causing substantial harm to my credit standing and personal well-being. Below are the specific items I am disputing : XXXX  Account : XXXXXXXX XXXX High Balance : {$1400.00} | Date Opened : XX/XX/XXXX Issue : Late payment reported on an account I never opened Law : FCRA 1681s-2 ( a ), FCRA 611 Furnishers must report accurate data and credit bureaus must investigate disputes Story : I never had any credit relationship with XXXX XXXX XXXX XXXX XXXX. I did not authorize this account nor did I make any payments. I became aware of this only while checking my credit report. I believe someone used my identity to open this account without my permission, or it was wrongfully merged with another consumers account. 
XXXX XXXX Account : XXXX * High Balance : {$5600.00} | Date Opened : XX/XX/XXXX Issue : Charge-off on a fraudulent credit card Law : FCRA 605B Credit reporting agencies must block information resulting from identity theft Story : I have never opened a credit card with XXXX XXXX XXXX This charge-off entry is fraudulent and has severely impacted my credit standing. I suspect my identity was compromised and used to open this account without my consent. I request an immediate block under the FCRA. 
XXXX XXXX  XXXX Account : XXXX XXXX High Balance : {$7800.00} | Date Opened : XX/XX/XXXX Issue : Unauthorized account charged off and misreported Law : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must report data accurately Story : I have never had a loan, credit card, or any financial relationship with XXXX XXXX XXXX XXXX. This charge-off is fraudulent and appears to be linked to identity theft. I demand its removal and full investigation to prevent further misuse of my credit file. 
XXXX Account : XXXX * High Balance : {$1000.00} | Date Opened : XX/XX/XXXX Issue : Fraudulent charge-off account listed Law : FCRA 605B and 602 ( a ) Identity theft protections and right to accuracy Story : I never took out any loan from XXXX XXXX or related institutions. I did not apply, receive, or use any credit related to this account. I was shocked to discover this on my credit report and believe this entry is due to identity misuse or false reporting. 
XXXX XXXX  Account : XXXX XXXX High Balance : {$47000.00} | Date Opened : XX/XX/XXXX Issue : Unauthorized vehicle loan charge-off Law : FCRA 605B Must block account opened due to identity theft Story : I have never applied for any vehicle loan with Ally Financial. This account, which appears to be auto-related, is fraudulent. Someone may have used my personal data to fraudulently obtain credit in my name. I did not authorize or know about this account. 
XXXX XXXX XXXX Account : XXXX * High Balance : {$2200.00} | Date Opened : XX/XX/XXXX Issue : Fraudulent collection account from a third-party debt collector Law : FDCPA and FCRA 623 Debt collectors must validate debts before reporting Story : I have never received a notice or verification of any debt from XXXX XXXX  XXXX This account appeared on my credit report unexpectedly. I believe this collection was filed in error or due to fraud. I request validation or immediate deletion of this tradeline. 
XXXX XXXX XX/XX/XXXX Issue : Unauthorized hard inquiry Law : FCRA 604 ( a ) ( 3 ) Permissible purpose required before pulling a credit report Story : I never applied for any loan or credit product from XXXX XXXX. I did not provide written or verbal consent for them to access my credit. This inquiry occurred without my knowledge and harmed my credit score. This is either an act of identity theft or an FCRA violation by the company. 
XXXX XX/XX/XXXX Issue : Unauthorized credit pull Law : FCRA 604 ( a ) ( 3 ) ( A ) A creditor must have a permissible purpose and authorization Story : I did not initiate any credit application with Flagship Credit. I was unaware of this inquiry until reviewing my credit report. I believe my personal information may have been misused or mistakenly submitted without my consent. 
XXXX XXXX XX/XX/XXXX Issue : Unauthorized auto-related credit inquiry Law : FCRA 604 Credit bureaus must confirm permissible use Story : I have no auto loan or credit application with XXXX XXXX XXXX XXXX This inquiry was not initiated by me, and I consider this an unauthorized and damaging entry. 
XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Issue : Credit inquiry without my knowledge or consent Law : FCRA 604 Consumer consent is mandatory Story : I did not authorize XXXX  XXXX XXXX to access my credit file. I did not apply for any credit products or loans. This must be classified as unauthorized and removed. 
XXXX  XX/XX/XXXX Issue : Inquiry conducted without application or consent Law : FCRA 604 All inquiries must be lawful and verified Story : I never applied for a Destiny card or gave permission for any credit review. This inquiry was done without my knowledge and is negatively impacting my credit score. 
Conclusion : Under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws, I am requesting the immediate investigation and permanent deletion of all inaccurate, fraudulent, and unauthorized items listed above. These items are false, damaging, and were added to my credit report without lawful purpose or consent. I respectfully request that the CFPB take urgent action to hold the reporting agencies and furnishers accountable for these violations. I am attaching this complaint along with supporting documents and plan to report the matter to the FTC and local authorities.

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