Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against multiple furnishers and consumer reporting agencies ( CRAs ) for violating my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), and related consumer protection laws. My credit report contains serious inaccuracies including wrong addresses, misreported accounts ( charge-offs/late payments ), and unauthorized hard inquiries which I have repeatedly disputed without proper resolution. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG ADDRESS Issue : I have never lived at this address nor have I ever been associated with it in any legal or financial capacity. 
Law : Under FCRA 1681e ( b ), consumer reporting agencies are required to report only accurate and verifiable information.

Story : This incorrect address has appeared on my credit report without my consent. I believe this may have resulted from an identity mix-up or data entry error. Its continued presence is damaging my credibility, causing unnecessary fraud alerts and denials from lenders. It is emotionally distressing to be associated with an address I have no connection with. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX WRONG ADDRESS Issue : I have no ties whatsoever to this Michigan address. 
XXXX : FCRA XXXX ( a ) requires the deletion of unverifiable information. 
Story : I have never lived outside Florida. The listing of this XXXX address suggests my personal data may have been confused with someone else 's, or worse, fraudulently used. The mental stress of being linked to a state Ive never visited, and being unable to explain this to creditors, has affected both my emotional well-being and financial standing. 
XXXX XXXX XXXX * * CHARGE OFF * * Issue : This account shows {$0.00} balance but is marked as charged off. 
Law : Under FCRA 1681s-2 ( b ), data furnishers must correct inaccuracies.

Story : This account was paid in full, yet it continues to damage my report by reflecting as a charge-off. It is deceptive and presents me as financially irresponsible despite my efforts to maintain good standing. This has disqualified me from auto loans and caused embarrassment during applications. 
XXXX XXXX XXXX * * CHARGE OFF * * Issue : Same as above {$0.00} balance but listed as charged off.

Law : FCRA 623 requires fair and accurate reporting.

Story : After settling this account directly with the credit union, I expected it to be updated. Instead, it continues to reflect negatively. This inconsistency has hurt my ability to qualify for new accounts, despite my financial obligations being fulfilled. 
XXXX XXXX * * LATE PAYMENT * * Issue : I dispute this late payment as inaccurate. 
Law : Under FCRA 1681i, consumers may dispute any inaccurate item.

Story : During the reported month, I was undergoing XXXX and had made prior arrangements with XXXX. They failed to honor that agreement and reported me late, which was not only unfair but also inhumane under the circumstances. 
XXXX XXXX XXXX * * CHARGE OFF * * Issue : Charged off despite prior payments and settlement. 
XXXX : FCRA XXXX ( b ) ensures accuracy in reporting. 
Story : I had negotiated with XXXX XXXX and agreed on a payoff. However, they reported it as charged off without reflecting the resolution. This has caused a severe hit to my score even though I did my part to clear the debt. 
XXXX XXXX * * CHARGE OFF * * Issue : Reported charge off with {$0.00} balance. 
XXXX : FCRA XXXX ( a ) ( XXXX ) states inaccurate data must be corrected. 
Story : I had closed this account after repayment. It should not be showing a charge-off. My character and payment history are being unfairly questioned in every financial review due to this outdated and misleading status. 
XXXX XXXX XXXX * * CHARGE OFF * * Issue : Account settled, but still reported as charged off.

Law : FCRA 1681s-2 ( b ) obligates corrections after settlement.

Story : This has remained on my report unjustifiably. Even after confirming closure with XXXX, the charge-off remains and continues to haunt me during mortgage pre-approvals. 
XXXX XXXX XXXX XXXXXXXX * * CHARGE OFF * * Issue : Account reported as charged off without updated balance. 
Law : XXXX unresolved or outdated statuses violates FCRA XXXX. 
Story : I contacted XXXX XXXX  several times to correct this. My reputation as a responsible consumer is being unjustly harmed. This report undermines the credibility I have worked to restore. 
XXXX XXXX * * CHARGE OFF * * Issue : Inaccurate charge-off still reporting. 
XXXX : FCRA requires full reinvestigation upon consumer dispute. 
Story : Discovers reporting practices have made it almost impossible for me to gain new lines of credit, even though I satisfied the debt long ago. This false charge-off is punitive and illegal. 
XXXX XXXX XXXX * * CHARGE OFF * * Issue : Account settled, reported as charged off.

Law : FCRA 1681e ( b ) mandates current and accurate reporting.

Story : Despite resolving this with XXXX directly, the charged-off label remains. This oversight has resulted in higher interest rates and reputational damage. 
XXXX XXXX XXXX * * CHARGE OFF * * Issue : Charged off after resolution. 
Law : Data furnishers are obligated to maintain accuracy under FCRA 623 ( a ).

Story : After making full payment, I expected this account to reflect positively. Instead, it still says charged off, harming my score unjustly. 
REQUEST FOR CFPB ACTION : I have exhausted my efforts by disputing with the CRAs and furnishers directly, yet no satisfactory resolution has been provided. These violations are ongoing, and I request the CFPB to : 1. Investigate the furnishers and CRAs for failure to maintain accurate credit reporting as required under the law 2. Order permanent deletion of all false addresses, unauthorized inquiries, and inaccurately reported account information XXXX. Ensure my credit reports are updated across all bureaus : XXXX, TransUnion, and XXXX  XXXX. Take enforcement action if repeat violations or willful negligence are discovered

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