Consumer complaint received 2025-06-22 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: SC

Complaint narrative:
I am writing to file a formal complaint concerning multiple inaccurate and potentially unlawful entries being reported on my credit report by various furnishers and credit reporting agencies. These inaccuracies include incorrect account statuses, erroneous addresses, and unauthorized credit inquiries, all of which have negatively impacted my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws, I am entitled to accurate and verified information on my credit report. The reporting entities and credit bureaus have failed to meet these legal obligations, and I request immediate investigation and correction of the following items : Incorrect Addresses Being Reported : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Wrong Address XXXX. XXXX XXXX  XXXX XXXX, XXXX XXXX, SC XXXX Wrong Address These addresses are inaccurate and do not belong to me. Reporting inaccurate personal information violates FCRA Section 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 
Disputed Accounts and Violations : XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX High Balance : {$610.00} Open Date : XX/XX/XXXX Issue : Late Payment Violation : FCRA Section 611 and 623 Furnishers must report accurate data ; investigation requested but errors remain. 
XXXX. XXXX XXXX  Account Number : XXXX High Balance : {$650.00} Open Date : XX/XX/XXXX Issue : Charge Off Violation : FCRA Section 623 Charge-off is disputed and should not remain without proper validation or investigation. 
XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX High Balance : {$400.00} Open Date : XX/XX/XXXX Issue : Late Payment Violation : FCRA Section 607 ( b ) No proper validation of debt or reporting accuracy. 
XXXX XXXX XXXX Account Number : XXXX High Balance : {$280.00} Open Date : XX/XX/XXXX Issue : Late Payment Violation : FCRA XXXX XXXX Inaccurate data still being reported despite dispute. 
XXXX. XXXX XXXX XXXX Account Number : XXXX High Balance : {$35000.00} Open Date : XX/XX/XXXX Issue : Late Payment Violation : FCRA Section 623 and 611 Verification of delinquency requested, but no proof was provided. 
XXXX. XXXX XXXX XXXX Account Number : XXXX High Balance : {$36000.00} Open Date : XX/XX/XXXX Issue : Late Payment Violation : Repeated violation of FCRA 607 ( b ) and failure to correct inaccurate reporting after dispute. 
7. DEPT OFEDXXXX Account Number : XXXX High Balance : {$7600.00} Open Date : XX/XX/XXXX Issue : Late Payment Violation : FCRA Section 611 ( a ) No proper investigation or documentation provided during reinvestigation. 
8. XXXX XXXX Account Number : XXXX High Balance : {$4500.00} Open Date : XX/XX/XXXX Issue : Charge Off Violation : FCRA and FDCPA violations due to unvalidated charge-off and continued reporting without proof of ownership or accuracy. 
Unauthorized/Unverified Hard Inquiries : XXXX. XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX These inquiries were made without my knowledge or permissible purpose, which is a direct violation of FCRA Section 604 ( a ) ( 3 ). Under the law, inquiries must be made only with the consumer 's explicit consent or for a permissible purpose.

Requested Action : 1. Immediately remove all inaccurate addresses from my credit file.

2. Delete or correct the above-listed accounts with late payments and charge-offs unless verifiable proof is provided.

3. Remove the unauthorized or unverified inquiries listed above.

4. Provide written confirmation of these changes.

Failure to comply with these legal obligations may result in further legal action. I have retained documentation of all correspondence and evidence for submission in any future litigation or arbitration if necessary.

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