Consumer complaint received 2025-10-28 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: NC

Complaint narrative:
I am filing this formal complaint to report multiple severe inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., committed by the credit reporting agencies and furnishers that have willfully reported false information under my credit profile. These errors have caused substantial harm to my credit reputation, financial opportunities, and peace of mind. 

Inaccurate Personal Information ( Wrong Addresses Reported ) The following addresses are being inaccurately reported under my credit file, and I have never lived, worked, nor received any correspondence at these locations : XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX, XXXX, NC XXXX Reporting inaccurate identifying information is a direct violation of FCRA 602 ( A ) and 607 ( B ), which require consumer reporting agencies to maintain and report only maximum possible accuracy in consumer files. The continued reporting of these false addresses raises serious concerns about data integrity and possible identity theft exposure. 

Inaccurate Account Information ( Charge-Offs, Late Payments, and Collections ) Additionally, my credit report lists the following accounts that are either unverified, inaccurate, or unlawfully reported without proper validation or proof of contractual liability : XXXX XXXX  High Balance : {$260.00} | Opened : XX/XX/XXXX | Charge Off XXXX XXXX High Balance : {$3000.00} | Opened : XX/XX/XXXX | Charge Off XXXX / XXXX XXXX High Balance : {$1300.00} | Opened : XX/XX/XXXX | Charge Off XXXX XXXX High Balance : {$18000.00} | Opened : XX/XX/XXXX | Charge Off XXXX XXXX High Balance : {$400.00} | Opened : XX/XX/XXXX | Charge Off XXXX XXXX High Balance : {$500.00} | Opened : XX/XX/XXXX | Late Payment XXXX XXXX XXXX High Balance : {$1300.00} | Opened : XX/XX/XXXX | Collection Each of these accounts must be fully validated as per FCRA 611 ( a ) and 623 ( a ) ( 1 ) ( A ), which require furnishers of information to investigate disputes and report only verified and complete data. Many of these furnishers have failed to provide any documentation proving the existence of a valid contractual relationship, the accuracy of the alleged debt amount, or the legitimacy of the reporting status ( such as charge-off or collection ). 

By reporting and verifying these accounts without adequate validation, the furnishers and credit bureaus have engaged in negligent and willful noncompliance under FCRA 616 and 617, entitling me to damages for the harm caused. 

Improper and Excessive Credit Inquiries In addition to the above, my credit report reflects several unauthorized and unverified inquiries that were conducted without my consent and have adversely affected my credit score : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 604 ( a ), credit inquiries are permissible only when authorized by the consumer or in connection with a legitimate credit transaction initiated by the consumer. The presence of these inquiries suggests possible unauthorized access to my personal data, which may also constitute a violation of FCRA 609 ( a ) ( 1 ) and 610.

Requested Action I respectfully request that the CFPB conduct a thorough investigation into the following issues : Immediate removal of all inaccurate addresses from my credit profile. 

Verification or deletion of the above-mentioned unverified charge-offs, collections, and late payment accounts.

Deletion of unauthorized and non-permissible credit inquiries.

Enforcement of compliance against the furnishers and credit reporting agencies under FCRA 621 for systemic violations of federal consumer protection laws. 

These errors have caused significant emotional distress, credit denials, and reputational damage. I am seeking the full restoration of accuracy and integrity to my credit report and any corrective actions deemed appropriate by your office. 

Thank you for your immediate attention to this matter. I trust the CFPB will ensure that all responsible entities are held accountable and that my rights under the FCRA 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