Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #17109014
Complaint Overview
Complaint ID: 17109014
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: 32712
Date Received: 2025-11-07T12:00:00-05:00
Date Sent to Company: 2025-11-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a formal complaint regarding several inaccurate and unauthorized items that are appearing on my credit reports. Despite my efforts to maintain accurate and up-to-date information, my credit file reflects serious errors that are damaging my credit reputation and violating my rights under the Fair Credit Reporting Act ( FCRA ). The following items are incorrect and must be investigated immediately : XXXX. Wrong Addresses Reported : XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX These addresses are not mine and I have no connection to them. The credit bureaus are reporting false location information, which suggests a serious lapse in their verification process. XXXX. Inaccurate Account and Payment Reporting : XXXX XXXX ( XXXXXXXX XXXX XXXX ) High Balance : {$240.00}, Date Opened : XX/XX/XXXX Reported as Late Payment This reporting is false. I have never made a late payment on this account. The payment history must be corrected immediately to accurately reflect my on-time record. XXXX. Unauthorized Collection Accounts ( No Knowledge of These Accounts ) : XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) High Balance : {$210.00}, Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX ) High Balance : {$4400.00}, Date Opened : XX/XX/XXXX I have no knowledge or association with these accounts. I have never opened, authorized, or conducted business with these entities. These accounts appear to be fraudulent or erroneously reported, and I demand their immediate removal from all credit bureaus. XXXX. Questionable Credit Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not authorize these credit inquiries, and they were made without my consent. These hard inquiries are violating my privacy and damaging my creditworthiness. These errors represent a serious violation of my consumer rights under the FCRA ( 15 U.S.C. 1681 ), which requires credit reporting agencies and furnishers to ensure maximum possible accuracy of information. I am requesting that the CFPB conduct a full investigation and compel the credit bureaus and furnishers to : Delete all incorrect addresses. Correct the inaccurate payment reporting on the XXXX XXXX account. Delete all fraudulent or unauthorized collection accounts. Remove any unauthorized or unverifiable credit inquiries. Please provide written confirmation of your receipt of this complaint and keep me updated on the progress and findings of your investigation. Thank you for your time and attention to this matter. I expect a prompt and thorough review to ensure my consumer rights are upheld.
Frequently Asked Questions
What is Complaint #17109014 about?
Complaint #17109014 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 2025-11-07T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.