Consumer complaint received 2025-11-28 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 submitting this formal complaint regarding multiple inaccuracies appearing on my credit report. These include wrong addresses, incorrect late payment reporting, and several Charge-Off and Collection accounts that I do not recognize or acknowledge as belonging to me. These reporting errors are causing significant harm to my creditworthiness and financial opportunities. I am requesting an immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ). 

1. Incorrect Addresses Not Mine & Must Be Removed The following addresses are appearing on my report, but they do not belong to me and are not connected to my identity in any way. Their presence raises concerns of identity inaccuracy and potential risk.

XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX I request that these addresses be removed immediately. 

2. Late Payment Accounts Reporting is Wrong & Must Be Corrected The following accounts are reporting late payments, which is inaccurate. I have never made late payments, and I request correction of the account historynot deletion, but accurate update only. 

XXXX XXXX High Balance {$390.00} | Opened XX/XX/XXXXXXXX XXXX XXXX High Balance {$120.00} | Opened XX/XX/XXXXXXXX XXXX XXXXXXXX High Balance {$28000.00} | Opened XX/XX/XXXX I am requesting proper investigation and update of my payment history to reflect accuracy. 

3. Charge-Off & Collection Accounts I Do Not Recognize These Accounts I have no knowledge of the following accounts, did not authorize or open them, and do not acknowledge them as mine. I request that these furnishers be required to provide documented proof of ownership and authorization. If they can not validate these accounts, they must be deleted.

Charge-Off Accounts Unknown to Me XXXXXXXX XXXX XXXXXXXX High Balance {$15000.00} | Opened XX/XX/XXXX XXXX  XXXX High Balance {$11000.00} | Opened XX/XX/XXXX Collection Accounts Unknown to Me XXXX XXXX XXXX XXXXXXXX High Balance {$120.00} | Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$7500.00} | Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$110.00} | Opened XX/XX/XXXXXXXX  If proper verification can not be produced, these accounts must be removed from my credit reports. 

4. Unauthorized Inquiry I did not authorize the following credit inquiry. I request removal and investigation : XXXX  XXXX XXXX XX/XX/XXXXXXXX  Request for Immediate Investigation & Resolution I request a full investigation into each of the items listed above. Please provide verification documentation for accounts and inquiries claimed to belong to me, and correct or remove all inaccurate data as allowed under the FCRA. 

Thank you for your prompt attention. I expect written results of your investigation.

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