Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and unverifiable items being reported on my credit file by the credit reporting agencies and furnishers. These inaccuracies are severely damaging my credit profile, and despite my attempts to address them, they remain unresolved. 

1. Wrong/Unverified Addresses Reported The following addresses have never belonged to me and are inaccurately associated with my credit file : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX Willow, XXXX, TX XXXX These are false and misleading. The presence of unverified addresses on my credit report raises serious concerns about mixed files, identity errors, or improper data furnishing. 

XXXX. Inaccurate Account Reporting The following accounts are being reported inaccurately, many as late payments, charge-offs, or collections without proper validation or compliance with the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX  High Balance : {$250.00} Date Opened : XX/XX/XXXX Reported Late Payment XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX High Balance : {$350.00} Date Opened : XX/XX/XXXX Reported Charge Off XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$870.00} Date Opened : XX/XX/XXXX Reported Charge Off XXXX XXXX XXXXXXXX  XXXX XXXX  High Balance : {$26000.00} Date Opened : XX/XX/XXXX Reported Late Payment XXXX XXXX XXXX XXXX XXXX  High Balance : {$25000.00} Date Opened : XX/XX/XXXX Reported Charge Off XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$21000.00} Date Opened : XX/XX/XXXX Reported Charge Off XXXX XXXX XXXXXXXX XXXXXXXX XXXX High Balance : {$3100.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXX XXXX XXXXXXXX XXXX  High Balance : {$770.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXX XXXX XXXXXXXX XXXX High Balance : {$680.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXXXXXX XXXX XXXX High XXXX  XXXX {$390.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXX XXXX XXXXXXXX XXXX  High Balance : {$350.00} Date Opened : XX/XX/XXXX Collection * * These accounts are either inaccurately reported, not properly validated, or beyond the allowable reporting period under the FCRA. 

XXXX. Questionable & Unauthorized Inquiries The following hard inquiries appear on my file without my authorization or a permissible purpose as defined under the FCRA ( 15 U.S.C. 1681b ) : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX These inquiries are damaging my creditworthiness and must be investigated and removed. 

Legal Basis of My Complaint Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) : Credit reporting agencies must ensure maximum possible accuracy in consumer reports. 

Furnishers must report information that is complete and verifiable. 

Inaccurate, incomplete, or unverifiable information must be corrected or deleted within 30 days of dispute. 

These violations represent failures by the furnishers and credit bureaus to meet their obligations. 

Requested Relief I respectfully request that the CFPB : Investigate the credit reporting agencies and furnishers responsible for these inaccuracies. 

Require deletion or correction of all inaccurate, unverified, and unauthorized items listed above. 

Ensure compliance with the FCRA, FDCPA, and other applicable laws. 

Hold furnishers and bureaus accountable for negligent and harmful reporting practices.

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