Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13774011
Complaint Overview
Complaint ID: 13774011
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: Ohio
ZIP Code: 43004
Date Received: 2025-05-28T12:00:00-05:00
Date Sent to Company: 2025-05-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint regarding multiple inaccurate and unverifiable accounts that are being reported on my consumer credit reports by the following furnishers : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Additionally, two addresses are inaccurately reported on my credit file : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX Timeline and Discovery : I discovered these inaccuracies while reviewing my credit reports from the three nationwide credit reporting agencies. I have never lived at the two addresses listed above and I do not recognize many of the accounts. This raises serious concerns that my identity may have been compromised. I submitted formal disputes to the credit bureaus and to each furnisher listed above, requesting investigation and removal of all unverifiable or incorrect information pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Legal Violations and Consumer Rights : Under 15 U.S.C. 1681s-2 ( a ) ( 3 ), furnishers must report the results of their investigations and correct any information found to be inaccurate. Despite this, many of these accounts continue to be reported without proper verification or evidence of my liability. If identity theft is involved, these accounts must be removed under the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) and the FTC 's guidelines for disputing fraudulent accounts. Personal Impact : These inaccuracies have severely damaged my credit score and impacted my ability to obtain housing, employment, and credit. I have suffered undue stress, emotional distress, and financial hardship as a result. Requested Resolution : I request that the CFPB investigate these matters and compel each listed furnisher to provide documented verification of the debt including signed contracts or documentation linking the debt to me. If they can not do so, I request immediate deletion of these accounts. I also request the removal of the two inaccurate addresses from my credit file. I have attached supporting documentation including prior dispute letters and identity theft report filings. I respectfully urge the CFPB to take appropriate regulatory action to ensure my rights as a consumer are upheld. Thank you for your assistance.
Frequently Asked Questions
What is Complaint #13774011 about?
Complaint #13774011 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 2025-05-28T12:00:00-05:00.
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.