Consumer complaint received 2025-08-07 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To Whom It May Concern I am submitting this formal complaint regarding inaccurate, outdated, and unlawfully reported information across multiple accounts reflected on my consumer credit reports These accounts have caused me significant emotional and financial distress and have negatively impacted my ability to access basic credit services employment opportunities and housing These accounts are either being reported inaccurately contain wrong balances dates or statuses or have been reported without proper validation and in violation of federal consumer protection laws including the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 et seq and the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 et seq Despite my previous disputes and direct efforts to resolve these matters with the data furnishers and credit reporting agencies the following accounts remain incorrectly reported or unresolved and must be investigated and removed from my file immediately XXXX XXXX XXXX XXXX  XXXX, TN XXXX Issue : Wrong Address Law : FCRA ( Section 605B ) provides consumers the right to dispute incorrect personal information. 
Story : I have never lived at this address, and I have no connection to this property whatsoever. Presence of this address on my credit report could be a result of a clerical error or possible mixed file. This misinformation could misrepresent my residency history and affect lending decisions, which is unfair and prejudicial to me. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX Issue : Wrong Address Law : The FCRA mandates each credit bureaus responsibility to investigate disputed addresses under Section 611.

Story : To the best of my knowledge, I have never associated with this address in my personal or financial affairs. Inaccurate listing of such information may suggest possible fraud or identity confusion, neither of which is attributable to me. I request its immediate removal to protect my integrity. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$32000.00} Issue : Late Payment Law : According to FCRA, negative information must be accurate and verifiable. 
Story : The reported late payment does not reflect my records or my payment behavior. I believe this XXXX be a reporting error, and I request validation and removal if not fully substantiated. 

XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1900.00} Issue : Late Payment Law : FCRA allows consumers to dispute any item that is incomplete or inaccurate. 
Story : My history with XXXX has always demonstrated diligence. Any account delinquency as shown here is either incorrect in amount or not reported timely to me for dispute resolution. Please verify all documentation or remove. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$500.00} Issue : Charge Off Law : FDCPA and FCRA demand that information must be accurate, especially in derogatory entries. 
Story : I contest the accuracy of this charge-off. It is not reflective of any account I held deliberately in default ; there may have been communication gaps or errors in reporting. Kindly investigate and expunge unverifiable information. 

XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$720.00} Issue : Late Payment Law : Under FCRA Section 609 ( a ), consumers have the right to demand full validation of any derogatory remark.

Story : Any late payments on this account are either unreported to me or reflect system glitches, not willful non-payment. 

XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$21000.00} Issue : Late Payment Law : FCRA Section 611right to dispute, and requirement for the bureau to correct or delete unverified information. 
Story : I believe these reported late payments are a result of miscommunication or billing error, not intentional neglect. 

XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$2400.00} Issue : Charge Off Law : FCRA and Equal Credit Opportunity Act ( ECOA ) both stress accurate and timely disclosure. 
Story : To my knowledge, my XXXX account obligations were satisfied or alternative arrangements made. The charge-off is disputed for authenticity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Credit : {$520.00} Issue : Charge Off Law : FCRA Section 605B provides a mechanism for consumers to dispute account accuracy.

Story : This charge-off entry is unknown to menever did I receive any notices or bills. I ask for authentic documentation or immediate removal. 

SXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Credit : {$720.00} Issue : Late Payment Law : FCRA ensures fair credit reporting, including correcting inaccurate payment history. 
Story : My payment record was never intentionally missed. Any late record likely stems from reporting errors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Credit : {$550.00} Issue : Late Payment Law : Bureaus must promptly rectify any incorrect delinquency records ( FCRA ). 
Story : I have no knowledge of unresolved late payments for this account and contest the validity of this claim. 

XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$540.00} Issue : Charge Off Law : Unverifiable charge-off must quickly be corrected ( FCRA Section 611 ). 
Story : I only learned of this charge-off via my credit report. Earlier notification could have prevented this, making this entry both misleading and damaging. 

XXXX XX/XX/XXXX Issue : Hard Inquiry Law : Bureaus must ensure all inquiries are based on consumer consent.

Story : This credit inquiry was neither known nor authorized by me. I request it be removed unless a signed authorization is produced. 

XXXX XXXX XXXXXX/XX/XXXX Issue : Hard Inquiry Law : Any inquiry without consent is a violation of consumer rights.

Story : This entry indicates a hard pull I did not approve. Such unauthorized pulls can negatively impact my credit and must be corrected. 

I demand that a full investigation be conducted into all of these accounts and that each furnisher be required to provide proper documentation and validation within the timeline allowed by law If they are unable to do so these accounts must be permanently deleted from my credit reports per FCRA and FDCPA guidelines I am requesting full accountability and compliance with federal law as my rights under the FCRA and FDCPA have been continuously violated by these furnishers and the consumer reporting agencies responsible for reporting them

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