Consumer complaint received 2025-09-22 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: PA

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccurate and unverifiable items on my credit report which have caused significant damage to my creditworthiness and financial standing. The Fair Credit Reporting Act ( FCRA ) Section 609 and 611 mandates that all information reported to credit bureaus must be accurate, verifiable, and complete, and I am exercising my rights to demand proper reinvestigation. 

Addresses XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is reported in error and has never been mine. Reporting incorrect addresses violates FCRA 1681e ( b ), which requires accurate and complete reporting. Despite previous disputes, this false address persists, demonstrating failure to reinvestigate under 1681i ( a ). Its presence misleads creditors and can result in misattribution of accounts, identity confusion, and denial of credit. Repeated reporting of this inaccuracy continues to harm my credit score and financial reputation. The ongoing inclusion of this address is unlawful and materially damaging. I demand that this address be fully verified with proper documentation or removed entirely. Its continued reporting after multiple disputes reflects negligence and failure to meet your statutory obligations. This notice serves as a formal request under FCRA for immediate correction. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is inaccurate and has no association with me. Continued reporting of false addresses is a violation of FCRA 1681e ( b ), which mandates maximum possible accuracy. Previous disputes have failed to remove this address, showing noncompliance with 1681i ( a ) regarding reinvestigation. Its presence creates confusion among creditors and potential lenders, potentially misattributing accounts or inquiries. The ongoing reporting has negatively impacted my creditworthiness and ability to access financial opportunities. Repeated errors indicate failure in the credit bureaus reinvestigation process. I demand immediate verification or complete deletion of this address. Documentation must be provided if it is claimed to be associated with me, otherwise it must be removed. The continued presence of this address is materially harmful and unlawful. Immediate action is required to comply with FCRA obligations. 

Accounts : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, XXXX : {$0.00}, XXXX XXXX XXXX  This charge-off is falsely reported and unverified. FCRA 1681i ( a ) requires that all disputed information be reinvestigated thoroughly. Previous disputes did not resolve this issue, and its continued reporting continues to harm my credit profile. The inclusion of unverified negative information violates 1681e ( b ) and is materially harmful. Repeated errors suggest negligence in the reinvestigation process. I demand immediate removal or correction. Documentation verifying the charge-off must be provided ; otherwise, it must be deleted. Failure to act constitutes a continuing violation of my legal rights. This inaccurate reporting misleads creditors, affects credit scoring, and creates unjust financial harm. Immediate written confirmation of correction is required. 

XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, XXXX : {$1000.00}, XXXX XXXX XXXX  The reported charge-off is inaccurate and has never been verified. Prior disputes under FCRA 1681i ( a ) have not corrected this error. Reporting false negative information violates 1681e ( b ) and continues to damage my creditworthiness. The presence of this account in my credit report misleads lenders, delays credit approvals, and impacts financial opportunities. I demand complete reinvestigation, proper verification, or immediate deletion. Repeated errors indicate negligence and failure to comply with legal obligations. Documentation linking me to this charge-off must be provided if claimed ; otherwise, it must be removed. Continued reporting constitutes repeated violations, materially harms my credit, and violates my rights. Immediate action is required. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, XXXX : {$0.00}, XXXX XXXX XXXX This account is inaccurately reported as a charge-off. FCRA 1681i ( a ) mandates a complete reinvestigation of disputed information. Previous disputes have failed to remove or correct this item. Reporting false negative information violates 1681e ( b ) and harms my credit. Its continued presence misleads lenders and delays financial opportunities. I demand immediate verification or deletion. Documentation must be provided if the charge-off is claimed ; otherwise, it must be removed. Repeated failure to correct constitutes repeated violations and material harm. Immediate action is required. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, XXXX : {$0.00}, XXXX XXXX XXXX The charge-off is false and unverified. FCRA 1681i ( a ) requires thorough reinvestigation of all disputed information. Previous disputes did not correct this error. Reporting unverified negative information violates 1681e ( b ) and materially harms my credit profile. Its presence misleads lenders and affects credit scoring. I demand immediate removal or verified correction. Documentation must be provided to substantiate this charge-off ; otherwise, it must be deleted. Continued reporting constitutes repeated violations and unjust financial harm. Immediate written confirmation of correction is required. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, XXXX : {$0.00}, XXXX XXXX XXXX This charge-off is inaccurately reported. FCRA 1681i ( a ) requires complete reinvestigation of disputed information. Previous disputes have failed to resolve this error. Reporting unverified negative information violates 1681e ( b ) and causes material harm to my credit profile. Its presence misleads lenders and impacts financial opportunities. I demand removal or verified correction immediately. Documentation must be provided if claimed ; otherwise, deletion is required. Repeated reporting shows negligence and violation of statutory obligations. Immediate action is required. 

XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX, XXXX : {$1100.00}, XXXX XXXX XXXX  The reported charge-off is inaccurate and unverifiable. FCRA 1681i ( a ) guarantees the right to dispute and reinvestigate. Prior disputes failed to correct this item. Reporting false negative information violates 1681e ( b ) and continues to harm my creditworthiness. Its presence misleads lenders and delays approvals. I demand complete reinvestigation or removal. Documentation must be provided if claimed ; otherwise, deletion is required. Continued reporting constitutes repeated violations and material harm. Immediate confirmation of correction is required. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, XXXX : {$890.00}, XXXX XXXX XXXX  The charge-off is falsely reported. FCRA 1681i ( a ) mandates thorough reinvestigation of disputed accounts. Previous disputes did not correct this item. Reporting unverified negative information violates 1681e ( b ) and causes material harm to my credit. Its presence misleads lenders and negatively affects financial opportunities. I demand immediate removal or verified correction. Documentation must be provided if claimed ; otherwise, deletion is required. Continued reporting constitutes repeated violations. Immediate action is legally required.

U.S. Bankruptcy Court The bankruptcy reporting is inaccurate and unverified. FCRA 1681i ( a ) requires thorough reinvestigation of disputed information. Prior disputes did not resolve this error. Reporting false negative information violates 1681e ( b ) and materially harms my creditworthiness. Its presence misleads lenders and affects financial opportunities. I demand immediate correction or removal. Documentation must be provided to substantiate this claim ; otherwise, deletion is required. Continued reporting constitutes repeated violations. Immediate confirmation is required.

CFPB, I request your immediate attention and enforcement to ensure the reporting bureaus and furnishers comply with federal law, fully verify all accounts listed, and correct or delete any unverifiable or inaccurate information. The repeated reporting of these inaccurate charge-offs and bankruptcy information continues to cause substantial harm to my financial opportunities and violates my rights under the Fair Credit Reporting Act.

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