Consumer complaint received 2025-08-08 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: HI

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) I am filing this formal complaint against certain credit reporting agencies and furnishers for reporting inaccurate, unverifiable, and misleading information on my credit file in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 604, 607, 609, and 611, and in some cases, the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ).

The following personal addresses are being falsely reported as my past or current residences, which is completely inaccurate : XXXX XXXX XXXX XXXXXXXX, AL, XXXX Issue : Wrong Address Law : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure all addresses reported are accurate and up-to-date to protect consumer rights. 
Story : This incorrect address has been unfairly listed on my credit file without my consent. It causes significant damage to my financial reputation, resulting in difficulties with banking, loan approval, and identity verification. Despite repeated requests for correction, no remedial action has been taken, severely affecting my credit profile. 

XXXX XXXX XXXX XXXX, XXXX, AL, XXXX Issue : Wrong Address Law : According to Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ) rules, consumer credit information must be accurate and verifiable. 
Story : I have never resided at or used this address. Its erroneous presence on my credit report confuses creditors and government agencies. The incorrect data negatively impacts my credit score and leads to unauthorized credit accounts registered under my name. 

XXXX XXXX XXXX XXXX XXXX, AL, XXXX Issue : Wrong Address Law : FCRA requires immediate removal of inaccurate address information from consumer credit reports. 
Story : There is no association between me and this address. Its inclusion creates repeated barriers when applying for credit or financial services. This false data raises concerns about identity theft, fraud, and problematic accounts linked to my credit report. 

XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$19000.00} Issue : Charge Off Law : FCRA ( 15 U.S.C. 1681i ) grants consumers the right to dispute inaccuracies and have them investigated and corrected. 
Story : The XXXX XXXX account erroneously shows a charge-off status despite my timely payments and good standing. This false report has lowered my credit score, denied me financial opportunities, including loans and employment prospects. Regulatory complaints remain unresolved. 

XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Issue : Charge Off Law : Verification requirements under FCRA must prevent misreporting of accounts not belonging to the consumer. 
Story : This account does not belong to me but is flagged as " Charge Off '' on my credit file. This misattribution damages my creditworthiness, causing financial hardship despite my repeated disputes. 

XXXXXXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$10000.00} Issue : Late Payment Law : FCRA 1681c-2 and the Equal Credit Opportunity Act provide for error correction and equal treatment in credit reporting. 
Story : The reported late payment is incorrect ; I have made all payments on time. This inaccurate reporting harms my credit score and reduces my access to further credit. The error remains despite formal disputes demanding prompt correction. 

XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$520.00} Issue : Late Payment Law : FCRA dispute provision ( 1681i ) requires erroneous information to be corrected upon dispute. 
Story : The late payment record shown is false. It negatively affects my financial history with no basis. Despite my disputes, the incorrect data is still present, causing unwarranted damage. 

XXXX XXXX Open Date XX/XX/XXXX High Balance {$4500.00} Issue : Charge Off Law : CFPB Regulation V ensures fair dispute resolution processes. 
Story : I do not own or have any responsibility for this account, yet it is reported as charged off. This error could stem from identity theft or reporting mistakes. I demand immediate deletion in compliance with the law. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX High Balance {$330.00} Issue : Collection Law : FDCPA and FCRA protect against inaccurate debt collection reporting and grant dispute rights.

Story : The collection status reported is invalid as I do not recognize any debt with this creditor. The account was added without a proper investigation, obstructing my financial opportunities unfairly. 

XXXX XXXX Date Opened XX/XX/XXXX High Balance {$210.00} Issue : Collection Law : CFPB and FDCPA prohibit deceptive collection practices and inaccurate reporting. 
Story : This collection record is baseless. Despite my dispute, inaccurate and harmful information persists, continuously lowering my credit score and financial credibility. 

XXXX XXXX Date Opened XX/XX/XXXX High Balance {$200.00} Issue : Collection Law : FCRA 1681s-2 and FDCPA require accuracy in reporting and fair debt collection practices.

Story : This collection entry was added without proper verification or my involvement. No supporting documentation was provided, violating my rights and credit reporting laws. 
Requested Resolution : I request that the CFPB investigate these violations, require the credit reporting agencies and furnishers to provide complete validation with original documentation, and if they can not, order the immediate deletion of these inaccurate entries. Furthermore, I request a written confirmation of all actions taken. 
If these errors are not corrected, I reserve the right to pursue legal action for damages under FCRA 616 & 617.

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