Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13702165
Complaint Overview
Complaint ID: 13702165
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Nebraska
ZIP Code: 685XX
Date Received: 2025-05-24T12:00:00-05:00
Date Sent to Company: 2025-05-24T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint due to repeated violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically relating to the continued inaccurate reporting of addresses, tradelines, and unauthorized hard inquiries by the major credit reporting agencies : Experian, TransUnion, and Equifax. Despite prior disputes and supporting documentation, the following inaccurate addresses remain listed on XXXX or more of my credit reports : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX addresses do not reflect my verified residential history and their continued presence risks misidentification and fraud. The credit bureaus are in violation of FCRA XXXX ( b ), which mandates accurate personal identification information. Additionally, the following tradelines are inaccurately reported with late payments or unverifiable debt : XXXX XXXX # XXXX * * * * * * ( opened XX/XX/XXXX ) Incorrect late payment XXXX XXXX # XXXX * * * * * * ( opened XX/XX/XXXX ) Incorrect late payment XXXX # XXXX * * * * ( opened XX/XX/XXXX ) Incorrect late payment XXXX XXXX XXXX # XXXX * * * * * * * * ( opened XX/XX/XXXX ) Unverified collection account without original creditor documentation I have also identified multiple hard inquiries on my reports that were not authorized by me and appear to lack permissible purpose as defined under FCRA XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) These inquiries are damaging my credit and were conducted without my consent. The credit bureaus failed to remove or investigate them upon dispute, violating FCRA XXXX and XXXX. Requested Resolution : I am requesting immediate correction and permanent removal of the false addresses, unverified tradeline information, and unauthorized hard inquiries from all credit reporting agencies. I further request a thorough reinvestigation with documentation provided to me, as required by FCRA. Continued noncompliance should be met with regulatory enforcement.
Frequently Asked Questions
What is Complaint #13702165 about?
Complaint #13702165 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-05-24T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.