Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15156389
Complaint Overview
Complaint ID: 15156389
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: Florida
ZIP Code: 32034
Date Received: 2025-08-07T12:00:00-05:00
Date Sent to Company: 2025-08-07T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To the Consumer Financial Protection Bureau, I am filing this formal complaint regarding multiple inaccurate, unauthorized, and misleading items reporting on my credit report, which are severely damaging my creditworthiness and causing me significant financial harm. Despite my attempts to resolve these matters with the credit reporting agencies and furnishers, these errors persist. I request immediate intervention and enforcement of my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address This address is completely unfamiliar to me and I have never resided, worked, or had any association with this location. Reporting such an inaccurate address violates FCRA Section XXXX A which obligates consumer reporting agencies to ensure the maximum possible accuracy of information. This type of misinformation is extremely alarming as it suggests potential identity confusion or fraud. I request you immediately delete this incorrect address and investigate how it got associated with my profile without my authorization. XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$5100.00} Late Payment I strongly dispute the late payment being reported on this account. Under FCRA 15 U.S.C XXXXi, if any information is incomplete or inaccurate, the credit bureau must correct or delete it. I have consistently made timely payments, and any late reporting is either in error or caused by internal misreporting. This false derogatory mark is unjustly affecting my credit profile and financial credibility. I demand this account be reinvestigated with original payment history and corrected. The presence of this error is not only damaging but constitutes negligent data handling. XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} Late Payment I am disputing the reported late payment on this account. This account had payment arrangements in place and any late mark violates the original terms agreed upon. As per FCRA XXXX ( a ) ( XXXX ) ( B ), furnishers must not report information they know or have reasonable cause to believe is inaccurate. Moreover, as a consumer I was never notified or warned of potential delinquency in the proper manner, as required by law. This inaccurate information is harmful and must be rectified. XXXX XXXX XX/XX/XXXX Inquiry I never consented to this hard inquiry and did not apply for credit from XXXX XXXX XXXX. This inquiry is a breach of consumer rights under FCRA and must be deleted as it is negatively impacting my credit profile. XXXX XX/XX/XXXX Inquiry I did not give authorization to XXXX XXXX XXXX to access my credit file. This inquiry was not initiated by me and therefore must be removed. The Fair Credit Reporting Act mandates permissible purpose which this clearly violates. XXXX XXXXXX/XX/XXXX Inquiry This credit pull is unauthorized. I did not apply for any loan or credit product with XXXX XXXX. FCRA XXXX requires consumer consent before pulling a credit report. This inquiry has no legal basis and is hurting my credit score unjustly. I request the CFPB to investigate these violations of the FCRA, ensure correction or deletion of all inaccurate information, enforce compliance with consumer protection laws, and provide remedies for the damages caused. Thank you for your immediate attention to this serious matter.
Frequently Asked Questions
What is Complaint #15156389 about?
Complaint #15156389 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 2025-08-07T12:00:00-05:00.
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.