Consumer complaint received 2025-09-25 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: NJ

Complaint narrative:
To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to formally dispute multiple inaccuracies appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any information I believe to be incorrect, incomplete, or unverifiable. I demand that all inaccurate information be investigated, corrected, and permanently removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Wrong Address. I have never lived at this address. Its reporting has caused repeated confusion when financial institutions attempt to verify my identity. I have experienced delays in loan approvals and increased scrutiny when applying for essential services. Continued reporting of this false information constitutes a violation of FCRA 1681i ( a ) ( 1 ), which requires consumer reporting agencies to maintain accurate and complete information. 
XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Wrong Address. I have never resided here, yet this address is listed on my credit report. This false reporting has resulted in unnecessary inquiries into my credit history, inaccurate background checks, and potential denial of credit opportunities. FCRA 1681e ( b ) mandates that information reported must be accurate, and this inclusion is a clear violation. 
XXXX XXXX Open Date XX/XX/XXXX High Credit {$570.00} Late Payment. I have never been late on this account. The reporting of a late payment has caused my credit score to drop, delayed approvals for financial assistance, and created undue stress. Under FCRA 1681s-2 ( b ), furnishers must report accurate information, and this false late payment is a violation. I demand immediate removal of this inaccuracy. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$300.00} Late Payment. I have always maintained timely payments on this account. The inaccurate reporting of late payments has resulted in higher interest rates, loan denials, and personal financial hardship. FCRA 1681i ( a ) requires investigation of disputed information, and I demand deletion of this erroneous report. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$1600.00} Charge Off. This account has been falsely reported as a charge off. I have never defaulted on this account. The false reporting has significantly harmed my credit profile and violated my rights under FCRA 1681i. I request immediate investigation and removal of this charge off. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off. I have never defaulted on this account, yet it is falsely reported as a charge off. This incorrect reporting has caused financial harm, delayed approvals for loans and services, and negatively impacted my credit reputation. Under FCRA 1681i ( a ), unverifiable or inaccurate information must be removed. I demand immediate deletion of this false charge off. 
XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment. I have never made a late payment on this account. The false reporting has led to a drop in my credit score, increased scrutiny from lenders, and unnecessary stress. FCRA 1681s-2 ( b ) requires accurate reporting by furnishers, and this violation must be corrected immediately. 
XXXX XXXX XXXX XXXX Open Date XXXX XXXX, XXXX High Credit {$0.00} Late Payment. This account has been inaccurately reported with late payments that never occurred. The false information has caused financial inconvenience, potential loan denial, and emotional distress. Immediate correction and removal are required under FCRA 1681i ( a ). 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment. I have never missed a payment on this account. The false reporting has negatively affected my ability to access credit and has caused undue stress. This violates FCRA 1681s-2 ( b ), and I request immediate deletion of this inaccurate information. 
XXXX XXXX Open Date XXXX XXXX, XXXX High Credit {$200.00} Charge Off. I dispute this charge off as entirely false. Its reporting has harmed my credit reputation, delayed loan approvals, and caused emotional and financial distress. FCRA 1681i ( a ) requires immediate correction. 
XXXX XX/XX/XXXX Inquiry. I did not authorize this inquiry. Unauthorized hard inquiries negatively impact my credit score and violate FCRA 604 ( a ) ( 3 ). I demand deletion of this inquiry immediately. 
XXXX XX/XX/XXXX Inquiry. I never authorized this inquiry, and it has caused unnecessary harm to my credit report. FCRA 604 ( a ) ( 3 ) requires my consent for all inquiries. Remove it immediately. 
XXXX XX/XX/XXXX Inquiry. This inquiry was unauthorized and has negatively affected my creditworthiness. Under FCRA 604 ( a ), all unauthorized inquiries must be deleted. I demand immediate removal. 
XXXX XX/XX/XXXX Inquiry. I did not authorize this inquiry, and it is a violation of my rights under FCRA 604 ( a ) ( 3 ). I request immediate deletion to restore the accuracy of my credit file.

These inaccurate reports, late payments, charge offs, and unauthorized inquiries have caused substantial financial harm, including denial of credit, higher interest rates, delays in financial approvals, unnecessary investigations, and severe emotional distress. Under FCRA, I am entitled to accurate reporting and am exercising my right to demand immediate correction and deletion of all disputed items. I expect verification of all accounts and inquiries, and any unverifiable or inaccurate information must be permanently deleted from my credit report within the timeframe mandated by law.

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