Consumer complaint received 2025-11-08 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:
Dear CFPB, I am submitting this complaint regarding multiple inaccurate items being reported on my credit report by [ Credit Bureau Name ]. These accounts and addresses are completely unknown to me, and their reporting is causing substantial harm to my creditworthiness. Despite having no relationship or knowledge of these accounts, they are being reported as charge-offs and collections, and there are several false addresses listed. 
The address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is being incorrectly reported on my credit file. I have never resided at this location, and its presence on my credit report is false and misleading. This inaccurate reporting negatively affects my creditworthiness and must be corrected without delay. 
The address XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX is also falsely associated with me. I have no connection to this property, and its reporting constitutes an error under FCRA guidelines. I request this incorrect address be removed immediately to prevent further harm to my credit profile. 
The account XXXX XXXX XXXX, Open Date : XX/XX/XXXX, High Credit : {$0.00} is listed as a charge-off. I do not recognize this account, and I have no business relationship with this entity. This account is inaccurate, and I request its removal in accordance with my rights under FCRA. 
The account XXXX XXXXXXXX, Open Date : XX/XX/XXXX, High Credit : {$650.00} is being reported as a charge-off. I have never opened or used this account, and its reporting is entirely false. I demand this account be deleted from my credit report immediately. 
The collection XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, High Balance : {$1100.00} is inaccurately reported. I have no knowledge of this collection, have never received any notice regarding it, and dispute its validity. I insist that it be removed immediately, as its presence is unjustified and harmful to my credit record. 
The collection XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, High Balance : {$490.00} is falsely reported. I have never been associated with this account in any manner. This inaccurate reporting is damaging my credit history, and I request its immediate deletion. 
I request CFPBs intervention to ensure that these unknown accounts and inaccurate addresses are removed or corrected immediately. The continued reporting of these items is a violation of the Fair Credit Reporting Act ( FCRA ) and is causing undue damage to my credit reputation. 
I have attached documentation proving my identity and current address to assist in this complaint. I request that CFPB investigate this matter and require the credit bureau and the reporting entities to delete or correct all inaccurate information promptly. 
Thank you for your immediate 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