Consumer complaint received 2025-06-24 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 writing to file a formal complaint regarding multiple inaccurate and potentially unlawful entries on my credit reports as maintained by the national credit reporting agencies. These entries include incorrect personal identifying information, duplicate and unverified charge-off accounts, and unauthorized hard inquiries. These errors are damaging my credit profile and have negatively impacted my financial opportunities. 

Inaccurate Personal Information The following addresses are incorrect and must be permanently removed from all of my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wrong Address Violation : Under the FCRA Section 602A and Section 607 ( b ), credit reporting agencies are required to maintain accurate personal identifying information. Reporting addresses that are not associated with me constitutes a clear violation. 

Disputed Charge-Off Accounts ( Unverified or Duplicated ) XXXX XXXX  Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$1300.00} | Status : Charge Off Violation : No debt validation provided. Violates FCRA 611 and FDCPA 809. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$410.00} | Status : Charge Off Violation : Incomplete records and no proper adverse action notice. Violates FCRA 623 ( a ) ( 1 ) ( A ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$1000.00} | Status : Charge Off Violation : Data unverifiable. Violates FCRA 611 and FDCPA 809. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$940.00} | Status : Charge Off Violation : Duplicated with another account. Violates FCRA 607 ( b ) and 623. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$580.00} | Status : Charge Off Violation : Duplicate entry of same tradeline. Violates FCRA 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$1200.00} | Status : Charge Off Violation : No debt validation ever provided. Violates FCRA 611 and FDCPA 809. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$9200.00} | Status : Charge Off Violation : Account is outdated and unverifiable. Violates FCRA 605 ( a ). 

Unauthorized Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : These inquiries were made without my authorization or any permissible purpose, which is a violation of FCRA 604 ( a ) ( 3 ). There was no initiated transaction or prior consent granted. 

Relief Sought I respectfully request the following actions from the Consumer Financial Protection Bureau : Immediate deletion of all incorrect addresses from my credit reports. 

Full removal of all unvalidated, outdated, or duplicate charge-off accounts. 

Deletion of all unauthorized hard inquiries. 

Compliance enforcement and any appropriate penalties against the furnishers and credit bureaus that failed to uphold federal credit reporting laws. 

Attached are copies of supporting documents including dispute letters, proof of identity, proof of address, and credit report excerpts. 

I appreciate your time and urgent attention to this matter.

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