Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15735891
Complaint Overview
Complaint ID: 15735891
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: Tennessee
ZIP Code: 37130
Date Received: 2025-09-04T12:00:00-05:00
Date Sent to Company: 2025-09-04T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a formal complaint regarding multiple inaccuracies, unauthorized inquiries, and improper reporting on my credit file that violate the Fair Credit Reporting Act ( FCRA ) and have caused significant distress. Despite my efforts to resolve these issues directly with the involved creditors, they have remained uncorrected, compelling me to seek your assistance. XXXX. Address Errors : My current and correct address is : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX However, my address has been inaccurately reported multiple times. These errors create confusion, can lead to identity verification issues, and negatively impact my credit reliability. FCRA XXXX ( a ) ( XXXX ) requires consumer reporting agencies to ensure accurate reporting of personal information. XXXX. Incorrect Charge-Off Accounts : XXXX XXXX Account # : XXXX Opened XX/XX/XXXX Balance : {$17000.00} Reported as Charge-Off Integra Credit Account # XXXX XXXX Opened XX/XX/XXXX Balance : {$0.00} Reported as Charge-Off These accounts have been inaccurately reported as charged off. FCRA XXXX mandates that any unverifiable or inaccurate information must be corrected or deleted immediately. The reporting of these accounts as charged off misrepresents my creditworthiness and is causing tangible harm. XXXX. Collection Account : XXXX XXXX XXXX ( Original Creditor : XXXX Credit Card ) Account # : XXXX Opened XX/XX/XXXX Balance : {$2300.00} This account is inaccurately reported in collection. I dispute the validity and accuracy of this debt. Under FCRA XXXX and XXXX, I request verification of this debt, and if unverifiable, it must be removed from my credit report immediately. XXXX. Unauthorized Inquiries : The following inquiries were made without my authorization, violating FCRA XXXX ( a ) ( XXXX ), which states that a consumer report XXXX only be accessed for a permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me and are negatively impacting my XXXX XXXX. I request immediate removal of all these unauthorized inquiries. Conclusion and Request : I respectfully request the CFPB to investigate these matters, ensure all inaccurate information is corrected or deleted, and that unauthorized inquiries are removed from my credit file. These violations are causing significant harm to my financial reputation and creditworthiness.
Frequently Asked Questions
What is Complaint #15735891 about?
Complaint #15735891 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 2025-09-04T12:00:00-05:00.
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.