Consumer complaint received 2025-11-20 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:
I am filing this complaint to formally report multiple violations of the Fair Credit Reporting Act ( FCRA ) by the credit reporting agencies and the furnishers listed below. My credit reports contain wrong addresses, charge-off and collection accounts I have NO knowledge of, and late payment histories that are completely inaccurate, as I have never made a late payment on those accounts. I am requesting immediate investigation and correction/deletion as required under the FCRA.

1. WRONG / FRAUDULENT ADDRESSES ( I NEVER LIVED HERE ) These addresses do not belong to me and indicate a failure to maintain accurate identifying information : XXXX XXXX, XXXX XXXX, GA XXXX WRONG ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX WRONG ADDRESS These addresses must be removed immediately, as they are false, misleading, and potentially tied to fraudulent or mixed-file activity. 

2. CHARGE-OFF & COLLECTION ACCOUNTS I HAVE NO KNOWLEDGE OF THESE ACCOUNTS Per my standing instruction, I am reporting these accounts as unknown to me, and I am demanding full deletion as required under FCRA 609 & 611 because the furnishers have failed to provide proof of ownership or a valid contract : XXXX XXXXXXXX XXXX XXXX Charge Off XXXX XXXX XXXX XXXX  Charge Off XXXX XXXXXXXX XXXX XXXX Charge Off XXXXXXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXXXXXX XXXX XXXX  Collection XXXX XXXX XXXX XXXX XXXX XXXX  Collection XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX  Collection These accounts are not mine, I have no knowledge of them, and no furnisher has provided any legally required validation or signed documentation. These must be removed in full. 

3. LATE PAYMENT ACCOUNTS REPORTING IS FALSE & MUST BE CORRECTED These accounts are reporting late payments I NEVER made. The reported delinquencies are inaccurate, damaging, and violate FCRA 623, which requires complete and accurate reporting : XXXX XXXXXXXX XXXX XXXX XXXX  Late Payment DEPTEDXXXX XXXX XXXX XXXX  ( multiple accounts ) Late Payments XXXX XXXXXXXX XXXX XXXX  Late Payment XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment DEPTEDXXXX accounts with dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I dispute ALL late payments listed. These histories are inaccurate and must be corrected immediately. 

4. UNAUTHORIZED / QUESTIONABLE INQUIRY XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry appears suspicious and unauthorized. Please investigate and remove if improperly placed. 

REQUESTED ACTIONS UNDER THE FCRA I am requesting the following under my rights in the Fair Credit Reporting Act : Remove all WRONG addresses immediately These addresses do not belong to me and may indicate identity issues or mixed-file errors.

Delete ALL charge-off and collection accounts listed above I have no knowledge of these accounts, and no creditor has provided validation.

Correct ALL inaccurate late payment reporting I have never made a late payment, and the furnishers must correct or delete these entries.

Provide full results of your investigation within 30 days As required under FCRA 611.

LEGAL NOTICE If these inaccurate items are not corrected or deleted within the FCRA-regulated timeline, I will escalate this matter further to include : FTC State Attorney General Legal counsel for willful and negligent violations under FCRA 616617 I expect full compliance with federal law.

Thank you for your prompt attention.

I look forward to receiving written confirmation of the 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