Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To Whom It May Concern I am submitting this formal dispute under the Fair Credit Reporting Act regarding multiple inaccurate late payments, charge-offs, and wrong addresses appearing on my credit report. These entries are unverifiable, misleading, and violate federal law. I request immediate reinvestigation and permanent deletion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address Issue Wrong Address Law FCRA 609 ( a ) ( 1 ) applies Story This address does not belong to me and has been incorrectly reported on my credit profile. Reporting wrong addresses misleads creditors, harms my creditworthiness, and violates federal law. Immediate correction is required XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Issue Wrong Address Law FCRA 609 ( a ) ( 1 ) applies Story This address is inaccurately associated with my report. Reporting inaccurate addresses without verification misrepresents my credit history and violates FCRA. Delete or correct immediately XXXX XXXX XXXX Date Opened XX/XX/XXXX High Credit XXXX Late Payment Issue Unverified late payment Law FCRA 623 applies XXXX XXXX XXXX reports a late payment without providing account statements or proof. Reporting unverified late payments misrepresents my creditworthiness and violates FCRA. Deletion is required XXXX XXXXXXXX Date Opened XX/XX/XXXX High Credit XXXX Late Payment Issue Inaccurate reporting Law FCRA 623 applies Story XXXX reports a late payment I did not incur. No documentation or notice was provided. Reporting unverifiable late payments violates FCRA and misleads creditors. Delete immediately XXXX XXXXXXXX Date Opened XX/XX/XXXX High Credit XXXX Late Payment Issue Unverified late payment Law FCRA 623 applies Story Duplicate late payment is inaccurately reported. No verification exists, misrepresenting my credit profile and violating FCRA. Immediate correction is required XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX High Credit XXXX Charge Off Issue Unverified charge-off Law FCRA 623 applies Story XXXX XXXX  reports a charge-off without supporting documentation. This misrepresents my creditworthiness and violates federal law. Delete immediately XXXX XXXXXXXX Date Opened XX/XX/XXXX High Credit XXXX Late Payment Issue Inaccurate late payment Law FCRA 623 applies XXXX XXXX XXXX XXXX reports a late payment without verification. This misleads creditors and violates FCRA. Remove immediately XXXX XXXX Date Opened XX/XX/XXXX High Credit XXXX Late Payment Issue Inaccurate reporting Law FCRA 623 applies XXXX XXXX XXXX reports a late payment without proper documentation. Misreporting unverifiable late payments violates FCRA and harms my credit. Immediate deletion required XXXX XXXX Date Opened XX/XX/XXXX High Credit XXXX Charge Off Issue Inaccurate charge-off Law FCRA 623 applies Story XXXX reports a charge-off without validation. Reporting unverified charge-offs is misleading and violates FCRA. Immediate removal required XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX High Credit XXXX Charge Off Issue Unverified charge-off Law FCRA 623 applies Story XXXX XXXX XXXX reports a charge-off without providing statements or verification. This misrepresents my credit history and violates federal law. Delete immediately XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX High Credit XXXX Late Payment Issue Inaccurate reporting Law FCRA 623 applies XXXX XXXX XXXX reports a late payment without verification. Misreporting unverifiable late payments violates FCRA. Remove immediately XXXX XXXX Date Opened XX/XX/XXXX High Credit XXXX Late Payment Issue Unverified late payment Law FCRA 623 applies Story XXXX XXXXXXXX XXXX XXXX XXXX with no supporting documents or notices. Reporting unverifiable information violates FCRA. Immediate deletion required XXXX XXXXXXXX Date Opened XX/XX/XXXX High Credit XXXX Charge Off Issue Unverified charge-off Law FCRA 623 and 611 apply Story XXXX reports a charge-off with no documentation. Account was fully paid/settled. Continuing to report this violates FCRA. Immediate correction or deletion required XXXX Inquiry Date XX/XX/XXXX Issue Unauthorized inquiry Law FCRA 604 applies XXXX XXXX XXXX XXXX  pulled my credit report without consent. Reporting unauthorized inquiries is a violation of FCRA. Delete immediately XXXX XXXX Inquiry Date XX/XX/XXXX Issue Unauthorized inquiry Law FCRA XXXX applies XXXX XXXX XXXX XXXX XXXX accessed my credit report without my knowledge or permission. Immediate removal required Final Statement Under FCRA 604 ( a ) and 623 all addresses, late payments, and charge-offs listed above are inaccurate, unverifiable, and harmful. The credit bureaus are legally obligated to reinvestigate and delete all unverifiable or misleading entries. Continued reporting without proper verification constitutes willful noncompliance and violation of consumer protection laws

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief