Consumer complaint received 2025-09-25 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: NV

Complaint narrative:
Dear CFPB, I am filing this formal complaint to report multiple inaccuracies on my credit report that have caused substantial financial harm, reputational damage, and denial of credit opportunities. These entries include inaccurate charge-offs, misreported bankruptcy, and unauthorized hard inquiries. I invoke my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and demand urgent investigation, correction, or deletion of all inaccurate items Wrong Addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address has never been associated with me. Reporting this address falsely creates confusion about my residence history and could imply fraudulent activity under my name. I have never lived, received mail, or conducted any business at this address. This misreporting violates FCRA 1681e ( b ) requiring accuracy in consumer reporting. Immediate removal is required XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This address is completely incorrect. Its presence on my credit report can mislead creditors and lenders, resulting in denial of credit and unjustified suspicion of identity misuse. I demand an urgent investigation and deletion of this false entry Accounts with Charge Offs/ Erroneous Reporting : XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$1500.00} Charge Off reported incorrectly. I have maintained records proving that payments were made according to the agreed schedule. Misreporting this account as charged off negatively impacts my credit score, affects loan approvals, and creates undue stress. I dispute the validity of this reporting and demand deletion or correction XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX High Credit {$500.00} Charge Off is falsely reported. Documentation exists that this account was either paid or settled in accordance with the agreement. Reporting this incorrectly is misleading to future creditors and violates FCRA 1681i ( a ). Immediate removal is required XXXX  XXXX XXXX Open Date XXXX XXXX, XXXX High Credit {$1500.00} Charge Off reporting is inaccurate. The account status has been misrepresented, causing significant damage to my financial reputation. This inaccurate reporting may result in denial of credit, higher interest rates, and unwarranted financial scrutiny. I demand investigation and correction XXXX XXXXXXXX XXXX Date XX/XX/XXXX High Credit {$4200.00} Charge Off reported erroneously. I dispute this account reporting due to improper recording of payments, failure to notify me of issues, and lack of verification. This has caused undue stress and hindered my ability to secure credit. Correct this reporting immediately XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$2200.00} Charge Off reporting is inaccurate, incomplete, and misleading. My payment history shows that the account was managed responsibly, and incorrect reporting harms my reputation. I demand investigation, validation, and correction XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off reported is false. I dispute the legitimacy of this reporting. Reporting this account incorrectly can result in financial losses, denial of credit, and undue stress. Immediate removal or correction is required XXXX XXXX Open Date XX/XX/XXXX High Credit {$5000.00} Charge Off is incorrectly reported. I dispute this reporting because all payment records indicate compliance with the account agreement. Misreporting this account is a direct violation of FCRA 1681i ( a ) requiring accurate reporting and verification of disputed items. This false reporting can lead to denial of loans, higher interest rates, and damage to my professional reputation. I demand immediate deletion or correction, including notification to all recipients of this false information XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$8000.00} Charge Off is falsely reported. FCRA 1681e ( b ) mandates maximum possible accuracy of reported consumer information. Misreporting of this account violates federal law, harms my creditworthiness, and exposes me to financial and personal hardship. Investigation, verification, and permanent removal are required XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off reporting is inaccurate. I have no record of default. Reporting this falsely is unlawful under FCRA, creates a misleading credit history, and may result in civil liability for damages caused. Immediate correction demanded XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off reported inaccurately. Misrepresentation of this account is harmful, unlawful under FCRA 1681s-2, and could mislead lenders and employers. I demand verification with supporting documentation and permanent correction XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off is false. Reporting this inaccurately violates my rights under FCRA 1681i, exposes me to financial risk, and undermines my credibility. Immediate removal required XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off reporting is erroneous. FCRA mandates that inaccurate information must be promptly corrected or deleted. This misreporting affects my credit approvals, insurance rates, and potential employment. Investigation and correction are demanded XXXX  XXXX XXXX Open Date XX/XX/XXXX High Credit {$4000.00} Charge Off is reported inaccurately. This false reporting violates FCRA 1681i and 1681e ( b ), misleads creditors, and causes financial harm. I demand prompt investigation, deletion, and written confirmation of corrections. 
XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$1700.00} Charge Off is incorrectly reported. I have maintained all payment records and account statements proving compliance with the account agreement. Misreporting this account violates FCRA 1681i ( a ) which requires verification of disputed items, and 1681e ( b ) which mandates maximum possible accuracy. This misreporting damages my credit score, affects loan eligibility, and may be considered willful noncompliance under federal law. Immediate deletion or correction is required along with written confirmation of action taken XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off inaccurately reported. I have no record of default or delinquency. Reporting this falsely violates FCRA 1681e ( b ) and misleads creditors, creating undue financial hardship. Misrepresentation of mortgage accounts can also affect insurance and employment approvals. Investigation and permanent correction demanded XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off reported erroneously. Misreporting affects creditworthiness, mortgage eligibility, and financial trustworthiness. FCRA 1681s-2 requires that furnishers provide accurate information. Failure to verify and correct is a violation, and may lead to civil liability. Immediate removal required XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off inaccurately reported. This false reporting is damaging, violates FCRA 1681i ( a ) and 1681e ( b ), and exposes me to financial harm including loan denial, higher interest rates, and reputational damage. Investigation and deletion demanded XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off reported incorrectly. Misrepresentation affects credit score and borrowing capacity. FCRA 1681i mandates prompt investigation and correction of inaccurate information. Misreporting may constitute willful violation under federal law. Immediate removal required XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off reported erroneously. I dispute this entry as inaccurate and unverifiable. Misreporting under FCRA 1681i ( a ) and 1681e ( b ) harms credit opportunities, creates financial hardship, and may be actionable under federal law. Immediate correction required XXXX  : XXXX XXXX XXXX Docket Identifier XXXX XXXX XXXX XXXX XXXXXXXX Reporting of this XXXX may be inaccurate, incomplete, or misrepresented. FCRA 1681e ( b ) requires maximum possible accuracy. Misreporting XXXX  status can cause undue harm to credit approvals, employment opportunities, and insurance rates. Verification, correction, or clarification of this entry is required Hard Inquiries/ Unauthorized or Inaccurate : XXXX XX/XX/XXXX Inquiry is inaccurately reported. I did not authorize this inquiry. FCRA 1681b requires permissible purpose for all inquiries. Remove immediately XXXX XX/XX/XXXX Inquiry reported inaccurately and without consent. Remove as mandated by FCRA 1681b ( f ) XXXX XX/XX/XXXX Unauthorized or inaccurate inquiry. Remove immediately to comply with FCRA XXXX XXXX XX/XX/XXXX Inquiry reported erroneously or without consent. Immediate removal required to prevent credit harm Each of these entries is factually incorrect, inaccurately attributed, or unverifiable. Under FCRA and FDCPA, I am entitled to : 1. Immediate deletion or correction of all inaccurate items ( 15 U.S.C. 1681i ( a ) & 1681e ( b ) ) 2. Notification to all parties who received the inaccurate information 3. Written confirmation of all corrections within 30 days 4. Full compliance with federal law to ensure accuracy, completeness, and proper verification Failure to correct these inaccuracies will result in formal legal action under FCRA and FDCPA for willful violation, statutory damages, and recovery of attorneys fees. I demand urgent resolution, permanent correction, and written confirmation of all actions taken

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