Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
I am submitting this formal complaint against the credit reporting agencies and the furnishers listed below for the continued reporting of inaccurate, unverifiable, and misleading information on my credit report, which has caused me significant harm and distress. These violations are in direct breach of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which requires all information reported to be accurate, verifiable, and complete.

Despite my previous disputes with the credit bureaus, the following accounts and items remain incorrectly reported : Incorrect Personal Information ( Addresses ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address These addresses are not associated with me, and I have never lived or received mail at these locations. Continuing to display false addresses constitutes a violation of FCRA 607 ( b ), which requires credit bureaus to maintain maximum possible accuracy.

Accounts Reported in Error ( Charge-Offs and Collections ) The following accounts are reported as charge-offs or collections, but I have no knowledge of these accounts, and no creditor has provided any verifiable documentation proving my ownership or liability. Reporting unverifiable accounts is a clear violation of FCRA 611 ( a ) and 623 ( a ) ( 1 ) ( A ) : XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX XXXX XXXX XXXX  Charge Off XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off XXXX XXXX XXXX XXXX XXXX  Charge Off XXXX XXXX XXXX XXXX XXXX  Charge Off XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX XXXX Charge Off XXXX XXXX XXXX Charge Off XXXX XXXX XXXXXXXX XXXX XXXX  Charge Off XXXX XXXX XXXX XXXX  Charge Off XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX  Collection XXXX XXXXXXXX XXXX  Collection Each of these furnishers has failed to provide proper validation, original account-level documentation, or signed contracts showing I am legally responsible for these debts. Under FCRA 623 ( b ), furnishers are obligated to verify the accuracy of disputed data. Failure to do so constitutes willful noncompliance.

Late Payment Reporting Error XXXX XXXX XXXX XXXX XXXX XXXX Late Payment This account history is false and inaccurate. I have never made any late payments on this account. The reporting of false payment history is damaging my credit reputation and violates FCRA 607 ( b ) and FCRA 611 ( a ) ( 1 ) ( A ). I request immediate correction of the payment history to reflect an on-time record.

Bankruptcy Reporting Error U.S. Bankruptcy Court XXXX Filed/Reported XX/XX/XXXX I have never filed for bankruptcy, nor have I ever been involved in any such proceeding. This record is false and defamatory and must be deleted immediately. Reporting inaccurate public records without verification violates FCRA 605 ( a ) and 607 ( b ).

Unfamiliar or Improper Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my consent or authorization and were never connected to any application I submitted. Reporting unauthorized hard inquiries violates FCRA 604 ( a ), which restricts access to consumer reports without a permissible purpose.

Requested Action I request that the CFPB conduct a thorough investigation into these violations and require the credit bureaus and furnishers to : Delete or correct all unverifiable and inaccurate items listed above.

Provide documentation proving that each disputed account and inquiry is legitimate and authorized by me.

Confirm removal of the false addresses from my credit file.

Ensure compliance with FCRA sections 602 ( A ), 607 ( B ), 611 ( A ), and 623 ( B ).

Conclusion These repeated violations have severely damaged my credit profile and reputation. I am exercising my rights as a consumer under federal law to demand immediate corrective action and accountability from all involved entities.

Please investigate this matter urgently and provide a written resolution confirming that the inaccurate and unverifiable data has been deleted or corrected.

Thank you for your prompt attention to this serious issue.

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 explanation