Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against multiple furnishers and credit reporting agencies due to the reporting of inaccurate, unverifiable, and misleading information on my credit report. These inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have suffered severe harm as a result, including credit denials, emotional distress, and loss of financial opportunities. 
Below are the details of the issues I am disputing : XXXX XXXX XXXX XXXX XXXX, FL XXXX WRONG ADDRESS Issue : I have never lived at or been associated with this address. 
Law : Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ), the reporting of inaccurate personal information constitutes a violation of my rights.

Story : This address appeared on my report without my knowledge or consent. It is completely unfamiliar to me, and I suspect it may be linked to identity theft or mixed files. Its presence misrepresents my residential history and damages my creditworthiness. 
XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX WRONG ADDRESS Issue : This address is incorrect and not associated with me. 
Law : FCRA 607 ( b ) mandates consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

Story : I have never resided at this location. The continued reporting of this false address leads to confusion and discredits my true residency. I believe this was added in error and request its immediate removal. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX WRONG ADDRESS Issue : This address does not belong to me and is misleading. 
Law : FCRA 611 ( a ) gives me the right to dispute incomplete or inaccurate information and to have it promptly corrected or removed.

Story : I am concerned this incorrect listing may have resulted from a reporting error or fraud. I have no ties to XXXX XXXX, and including this address seriously affects the credibility of my credit profile. 
XXXXXXXX XXXX XXXX XXXX XXXX LATE PAYMENT * * Issue : This account inaccurately shows late payments. 
Law : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know to be inaccurate.

Story : I made timely payments and have proof through bank records and statements. I believe this is a reporting error and demand a full reinvestigation. This false late mark has caused denials in other loan applications. 
XXXX XXXX XXXXXXXX XXXX XXXX LATE PAYMENT * * Issue : Unfairly marked late when payment was made. 
Law : Under the FCRA 623 ( b ), furnishers must promptly investigate and correct any disputed data. 
Story : I was temporarily affected by a financial hardship due to a medical emergency but made payment arrangements, which were ignored in the reporting. I request correction to reflect true payment history. 
XXXX XXXXXXXX XXXX XXXX  LATE PAYMENT * * Issue : Reporting account as late despite {$0.00} balance. 
Law : FCRA 607 ( b ) mandates maximum possible accuracy in reporting.

Story : This account had no due balance at the time of alleged delinquency. Listing it as late is misleading and wrongfully impacted my credit profile during job applications. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Account marked charged off after reported errors. 
Law : FCRA 623 ( a ) ( 5 ) requires the correct date of first delinquency and proper charge-off reporting.

Story : I disputed previous late payments that were never addressed, and suddenly it was charged off. This led to rejection from rental applications and credit denials. 
XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Unjust charge off on a closed account.

Law : As per FCRA 609 ( a ), I am entitled to full account information verification.

Story : I closed this account voluntarily and owed nothing. Seeing a charge-off devastates my credit and reputation. I need immediate correction or deletion. 
XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Inaccurate and unresolved charge-off. 
Law : FCRA 611 ( a ) allows the consumer to dispute and demand evidence of accuracy.

Story : I was wrongly charged off after reporting a faulty product dispute. This issue escalated and was never handled fairly. My credit is now paying the price for this negligence. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Issue : Duplicate entry for the same debt. 
Law : FDCPA XXXX requires validation of debt within 30 days of notice. 
Story : I never received any collection notice for this duplicate listing. It is damaging and unfairly lowers my credit twice for the same account. This is harassment and must be removed. 
CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Account charged off without proper notice. 
Law : FCRA 623 ( a ) ( 1 ) ( B ) requires furnishers to correct any previously reported information found to be inaccurate. 
Story : I was never notified about delinquency, and no opportunity to cure the debt was given. The charge-off came out of nowhere and has blocked me from qualifying for a mortgage. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  * Issue : Charge-off listed despite active dispute.

Law : FCRA 611 requires timely reinvestigation of any disputed information.

Story : I disputed fees that were inaccurately assessed. Instead of addressing them, the bank moved to charge-off status. I was victimized and reported unfairly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Collection reported for an unknown account.

Law : FDCPA 809 ( b ) states I have the right to request verification of a debt.

Story : I have no knowledge of this account, and no letter or notice was sent. I believe this is either fraudulent or a case of mistaken identity. It is severely harming my profile.

Relief Requested : Immediate investigation of the listed inaccurate addresses and account entries.

Removal of any unverifiable, duplicate, or misreported accounts.

Enforcement of compliance with FCRA 1681e ( b ), 1681i and FDCPA 809.

Sanctions or warnings issued to data furnishers and CRAs violating federal law.

Updated credit reports reflecting deletions and corrections. 
I have included supporting documentation and copies of my previous disputes. I respectfully ask for your assistance in holding these furnishers and reporting agencies accountable and restoring accuracy to my credit file.

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