Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
Dear CFPB, I am filing this complaint because my credit report contains serious inaccuracies that are harming my financial reputation. I have disputed these items with the credit bureaus and the furnishers of information, yet they remain uncorrected. Under the Fair Credit Reporting Act ( FCRA ), Section 602 ( A ) and 611 ( 15 U.S.C. 1681i, 1681s-2 ), I have the right to accurate, fair, and fully verified reporting. Below are the specific accounts and inquiries I dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Wrong Address I have no connection to this residence. Including it on my credit report links me to people and activity that are not mine. This damages my credit reputation and raises concerns about fraud. Having an XXXX address tied to me when I never lived there makes lenders question my identity. I demand its deletion under FCRA 1681i. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX Wrong Address This address is completely unrelated to me. I have no personal, professional, or financial connection to it. Yet its presence suggests that I have multiple addresses in XXXX, which is false and misleading. This false reporting makes it seem like I have moved around excessively, which harms my credibility and financial standing. The FCRA clearly prohibits such inaccuracies. 
DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXXXXXX   Balance : {$940.00} Late Payment I dispute the late payment history being reported. At no time did I make payments late on this account. The reporting of late payments is false and damaging. Because of this error, I have been denied credit and unfairly judged as irresponsible. The FCRA 1681s-2 requires furnishers of information to only report accurate data, and this clearly violates that standard. I demand the late payments be removed and the history corrected to show on-time payments. 
DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$1800.00} Late Payment This account is also misreported with late payments that never occurred. These errors hurt my ability to refinance loans and apply for credit. Having false late payments reported makes it seem as though I failed to honor my obligations, which is untrue. Under the Fair Credit Billing Act ( FCBA ), consumers are protected from billing errors, and misreporting of account history falls under this protection. This must be corrected. 
DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$4000.00} Late Payment The claim of late payments on this account is inaccurate and unverifiable. These false reports damage my credit score, increase my cost of borrowing, and unfairly paint me as financially irresponsible. I request a full reinvestigation, and if the furnisher can not prove these late payments with proper records, they must be deleted immediately as required under FCRA 611. 
DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$5000.00} Late Payment This account is reported with false late payments as well. Such misreporting is extremely damaging to me because student loans play a major role in credit history evaluation. Showing late payments that never happened lowers my score, makes me appear unreliable, and denies me fair access to credit. I demand correction under FCRA and removal of any unverifiable entries. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Collection I dispute this account entirely. I have no knowledge of this alleged collection, never received any bills, notices, or validation of debt from XXXX XXXX XXXX. Reporting an unverified collection is damaging to my credit and violates the Fair Debt Collection Practices Act ( FDCPA ) 809, which requires proper validation of debts. Since no validation was provided to me, this collection is inaccurate and must be deleted immediately. 
XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Charge Off This is another inaccurate charge-off, reported with a {$0.00} balance. It is impossible for an account with no balance to be legally considered charged off. This reporting is false and damages my credit standing. I demand its deletion unless the furnisher can provide complete validation and evidence that I am responsible for this account. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$10000.00} Charge Off I dispute this account completely. I never had a financial relationship with XXXX XXXX XXXX, and I deny knowledge of this debt. This may be a case of mistaken identity or mixed-file reporting. If the furnisher can not produce original documents such as the loan agreement, payment history, and signed application, then this account must be deleted as unverified under FCRA 611. 
XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$2000.00} Charge Off I strongly dispute this account. I never opened or authorized a XXXX XXXX account under this number. I have not received any billing statements or notices proving the existence of this debt. Reporting this account without proper verification is unlawful and must be deleted. FCRA and FDCPA both require that only valid debts with proof be reported. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Charge Off This is a duplicate of the above XXXX XXXX entry, which makes the reporting even more inaccurate. Duplicate charge-offs exaggerate negative reporting and cause unnecessary harm to my credit. This is misleading, unfair, and must be deleted immediately. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$7600.00} Charge Off I dispute this alleged XXXX XXXX account. I never signed any agreement, nor do I recognize this debt. No statements or contract have ever been provided. This looks like an unverified or fraudulent entry. Unless XXXX XXXX can prove with full documentation that this is my account, it must be removed as unverified. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off I dispute this account. I have no recollection of opening any account with XXXX XXXX  XXXX. Reporting a charge-off with a {$0.00} balance is contradictory and misleading. This reporting unfairly damages my credit by suggesting delinquency where no debt exists. If the furnisher can not produce full account records, including signed agreements, payment history, and billing statements, then this account must be deleted as unverified under FCRA 611. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$580.00} Charge Off I strongly dispute this account. I have no knowledge of this alleged XXXX XXXX XXXX XXXX debt. No validation or records have been provided to me. Reporting an unverified charge-off violates FCRA 1681e ( b ), which requires maximum possible accuracy. Unless the furnisher can provide original account documentation, this entry must be removed immediately. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Charge Off I dispute this entry completely. I never had an account with this balance at XXXX XXXX. The amount is large, and I deny responsibility for it. Without proper verification such as loan agreements, signed contracts, and account statements, this account can not legally remain. This looks like a case of mixed-file reporting or identity theft. It must be deleted unless fully validated. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$500.00} Collection I dispute this collection account. I have no knowledge of owing XXXX XXXX XXXX any money, nor have I received proper validation of this debt. Under the Fair Debt Collection Practices Act ( FDCPA ) 809, debt collectors must provide validation upon request. Since no validation has been provided, this reporting is unlawful and must be deleted. 
XXXX XXXX XX/XX/XXXX I did not authorize XXXX XXXX XXXX to access my credit on this date. This hard inquiry is inaccurate and must be deleted immediately. Unauthorized inquiries are a direct violation of FCRA and can not remain on my file. 
XXXX XXXX Inquiry XX/XX/XXXXXXXX  I did not give permission for this inquiry. I never initiated any credit application with XXXX XXXX. This unauthorized access to my credit file must be deleted immediately. 
XXXXXXXX Inquiry XXXX  This inquiry was unauthorized. I never applied for credit with XXXXXXXX XXXX XXXX on this date. This entry is inaccurate and must be deleted. 
XXXXXXXX XXXX XXXX Inquiry XX/XX/XXXXXXXX  I dispute this inquiry as unauthorized. I never gave permission for XXXX XXXX XXXX to access my credit file. This is harmful to my score and misleading. It must be deleted immediately. 
Relief Requested : 1. Immediate reinvestigation of all listed accounts and inquiries.

2. Deletion of unverifiable, inaccurate, or unauthorized accounts/inquiries.

3. Written confirmation of corrective actions taken. 
I respectfully request CFPBs urgent intervention, as my consumer rights under the FCRA and FDCPA are being violated.

Thank you for your time and assistance.

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