Consumer complaint received 2025-08-23 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: MI

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against inaccurate and unverifiable information being reported on my consumer credit file. The credit reporting agencies and furnishers are required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to ensure maximum accuracy of consumer information, yet multiple addresses and accounts appearing on my report are wrong, outdated, or unlawfully reported. These errors are damaging my creditworthiness, preventing me from accessing fair lending, and causing ongoing harm. I have never lived at the listed wrong addresses and the accounts in question either do not belong to me, are being reported inaccurately, or are in violation of federal law. I am requesting the CFPB to investigate and hold the bureaus and furnishers accountable for violating my consumer rights under FCRA, FDCPA, and related laws. 

Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( b ) Credit reporting agencies must ensure maximum possible accuracy of consumer information. 
Issue : This address is incorrectly listed as associated with me. I have never lived here, received mail here, or had any legal or financial connection to this property. Including this address on my credit file creates a false link that could confuse creditors, lenders, and debt collectors into thinking I may have obligations or accounts tied to this location. The inaccuracy also risks my credit file being mixed with someone elses history, which can harm my credit score and financial reputation.

Story : Reporting this incorrect address misrepresents my residency history. It creates potential mixed files, identity confusion, and the possibility of being contacted for debts I do not owe. Lenders and landlords may rely on this false information, negatively impacting my ability to obtain credit, housing, or employment. Keeping this inaccurate address violates the FCRAs accuracy requirement and must be removed immediately. 

Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( b ) Reporting agencies must ensure maximum possible accuracy. 
Issue : This XXXX address is not associated with me. Its inclusion creates a false residency record, which may mislead lenders or debt collectors. This misreporting can lower my credit score, create mixed file issues, and cause reputational harm.

Story : I have never lived or conducted business at this address. The continued presence of this inaccurate information misrepresents my identity and financial history. Immediate removal is necessary to ensure a fair and accurate credit report. 

Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reports must be fair and accurate, without misleading data. 
Issue : This address is inaccurate and unverified. Reporting it may wrongly associate me with accounts, debts, or financial obligations that are not mine, increasing the risk of misattribution or identity confusion. 
Story : Reporting this incorrect XXXX address misleads lenders and collection agencies. It can result in denial of credit, misapplied debt collection attempts, and identity confusion. Its presence violates the FCRA and must be deleted. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} Late Payment * * Law : FCRA XXXX ( a ) Disputed information must be verified with documentation. 
Issue : This late payment is inaccurately reported. I have always paid this account on time. Reporting a late payment that can not be verified is misleading, lowers my credit score, and misrepresents my payment history.

Story : This entry harms my financial reputation and affects my ability to secure loans, credit cards, or favorable interest rates. It misleads lenders about my financial responsibility. Without proper verification from the furnisher, this late payment must be deleted immediately. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3300.00} Chargeoff * * Law : FCRA 607 ( b ) and 623 ( a ) ( 1 ) Only accurate, verifiable information can be reported.

Issue : The chargeoff is inaccurate and unverified. It falsely portrays me as delinquent and financially irresponsible, potentially affecting all future credit applications.

Story : The furnisher has not provided any contract or billing record confirming this debt or its status. Its presence lowers my credit
score, misleads lenders, and impacts my financial opportunities. This account must be removed unless verified with documentation. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$26000.00} Chargeoff * * Law : FCRA 609 ( a ) ( 1 ) Consumers can request documentation to verify reported accounts.

Issue : No documentation was provided for this chargeoff. Reporting unverifiable debt is illegal under FCRA and FDCPA.

Story : This entry misrepresents my financial behavior, harms my creditworthiness, and may prevent approval for loans or other financial services. It must be removed unless valid documentation is provided. 

Account : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1500.00} Chargeoff * * Law : FCRA XXXX ( b ) Agencies must report only accurate information. 
Issue : No verification exists for this chargeoff. Reporting it falsely lowers my credit score.

Story : This account misrepresents my financial responsibility. It affects my access to credit, housing, and employment. The entry is inaccurate and must be deleted unless verified. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$1100.00} Collection * * Law : FCRA 623 ( a ) and FDCPA 809 ( b ) Debt must be validated before reporting.

Issue : This collection is unverified. Its reporting misleads lenders and harms my financial reputation.

Story : The account has not been validated. Keeping it on my report misrepresents my financial history, creates risk of wrongful collections, and violates FCRA. It must be removed. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$3200.00} Collection * * Law : FCRA XXXX ( a ) Agencies must reinvestigate disputed items thoroughly. 
Issue : The collection is inaccurate and unverifiable, causing credit harm. 
Story : Its inclusion misleads lenders, harms my creditworthiness, and risks wrongful collection attempts. Without verification, it must be deleted. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$610.00} Collection * * Law : FCRA XXXX ( a ) Agencies must reinvestigate disputed items thoroughly and remove unverifiable accounts. 
Issue : This collection is inaccurate and unverified. 
Story : I dispute this collection in full. I have never received notice of this debt nor authorized it. No documentation, contract, or proof has been provided to establish my obligation. Its inclusion on my credit file misrepresents my payment history, damages my credit score, and creates risk of identity confusion or wrongful collections. This inaccurate account must be removed unless properly verified.

I am requesting that the CFPB take immediate action to hold the credit bureaus and furnishers accountable. I demand deletion of all inaccurate addresses and removal or correction of the accounts that can not be properly verified according to federal law. The presence of these items is in violation of the FCRA and FDCPA, and they are causing financial harm, emotional distress, and blocking fair access to credit opportunities. I respectfully ask the CFPB to enforce compliance and ensure my consumer rights are fully protected.

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