Consumer complaint received 2025-09-23 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: MI

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, misleading, and unverifiable items being reported on my consumer credit reports in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. These errors are negatively affecting my creditworthiness and financial stability. 

Below are the specific disputed items : Wrong Address Reporting XXXX XXXX XXXX XXXX, MI XXXX This is not my address and must be removed immediately. Reporting incorrect personal identifying information violates FCRA 607 ( b ), which requires maximum possible accuracy. 

Erroneous Accounts & Misreporting XXXX XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX  ) * Date Opened : XX/XX/XXXX | Balance : {$26000.00} Reported as Late Payment despite being inaccurate and unverified. 

XXXX XXXX XXXX  ( Acct # XXXXXXXX XXXX XXXX XXXX ) * Date Opened : XX/XX/XXXX | Balance : {$0.00} Improperly marked as Charge-off. This is contradictory and must be deleted. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX, Acct # XXXXXXXX XXXX XXXX XXXX ) * Date Opened : XX/XX/XXXX | Balance : {$61.00} Reported as Collection, yet no valid proof of ownership, contract, or itemized billing has been provided. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX ) * Date Opened : XX/XX/XXXX | Balance : {$2000.00} Reported as Collection without proper validation. XXXX has a documented history of inaccurate reporting. 

XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX, Acct # XXXXXXXX XXXX XXXX XXXX  ) * Date Opened : XX/XX/XXXX | Balance : {$1600.00} Another duplicate collection for the same account, constituting double reporting, which is deceptive and unlawful. 

XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX  ) * Date Opened : XX/XX/XXXX | Balance : {$1800.00} Reported as Collection without validation or contract documentation. 

Bankruptcy Misreporting U.S. Bankruptcy Court ( XXXX # XXXX & # XXXX ) These entries are reported in a misleading manner and are not properly verified. Reporting duplicate or unverifiable bankruptcies is harmful and violates FCRA 611. 

Unauthorized/Excessive Inquiries XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX  XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) These inquiries were made without my written authorization, which violates FCRA 604 ( a ) ( 2 ). They must be investigated and removed.

Legal Basis for Complaint Under FCRA 607 ( b ), consumer reporting agencies are required to ensure the maximum possible accuracy of information. These items clearly fail this standard. Furthermore, FCRA 611 grants me the right to dispute inaccurate items, and furnishers of information are obligated to conduct proper investigations and delete unverifiable data. 

The continued reporting of false, duplicate, and unverifiable information constitutes negligent and willful noncompliance under FCRA 616617. This has directly caused me financial harm, including higher interest rates, credit denials, and emotional distress. 

Requested Resolution I respectfully demand that the CFPB enforce the following actions : Immediate deletion of the wrong address.

Deletion or correction of all inaccurate and unverifiable accounts listed above. 

Removal of duplicate/erroneous bankruptcy entries. 

Removal of unauthorized inquiries. 

Confirmation that all furnishers and credit reporting agencies comply with FCRA obligations.

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