Consumer complaint received 2025-11-03 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: MD

Complaint narrative:
I am filing this complaint because several inaccurate and unverifiable items have been reported on my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). Despite my attempts to resolve these errors, these inaccurate listings continue to damage my credit profile and do not reflect truthful or verifiable information. I am requesting your immediate investigation and enforcement action to ensure compliance with federal law.

1. Wrong Address Reporting The following address has been incorrectly listed on my credit file : XXXX XXXX XXXX XXXX XXXXXXXX This address is not mine and should be deleted immediately as it is a clear reporting error.

2. Charge-Off and Collection Accounts I Have No Knowledge Of XXXX XXXX XXXXXXXX ( Acct : XXXXXXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$3900.00} XXXXXXXX XXXX ( Acct : XXXXXXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$3200.00} I have no knowledge of these accounts and have never authorized or opened them. Under the FCRA 602 ( A ) and 611 ( 15 U.S.C. 1681i ), any information that can not be verified must be deleted from my credit report. I request immediate deletion of these fraudulent or unverifiable accounts.

3. Inaccurate Late Payment Reporting The following accounts are being incorrectly reported with late payments, which I dispute as false and damaging to my creditworthiness. I have never made a late payment on any of these accounts : XXXX XXXX ( Acct : XXXXXXXX XXXX  ) Opened : XX/XX/XXXX Balance : {$0.00} XXXX ( Acct : XXXXXXXX XXXX XXXX ) * * Opened : XX/XX/XXXX Balance : {$400.00} XXXX  ( Acct : XXXXXXXX XXXX XXXX  ) * * Opened : XX/XX/XXXX Balances : {$1000.00} and {$860.00} XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX ) * * Opened : XX/XX/XXXX Balance : {$0.00} XXXX  ( Acct : XXXXXXXX XXXX and XXXX XXXX XXXX XXXX ) * * Opened : XX/XX/XXXX Balances : {$2100.00} and {$2600.00} These late payment entries are inaccurate and misleading, violating FCRA 607 ( b ), which mandates that credit reporting agencies must maintain maximum possible accuracy. I demand these late payment notations be removed and my payment history corrected immediately.

4. Unverified Inquiry XXXX XXXX Inquiry Date : XX/XX/XXXX I do not recall authorizing this inquiry. Under FCRA 604 ( a ) ( 2 ), consumer reports can only be accessed with written authorization. I request this inquiry be removed immediately.

Requested Resolution Delete the wrong address from my credit file.

Permanently remove all unverifiable charge-off and collection accounts.

Correct all inaccurate late payment histories.

Delete the unauthorized inquiry.

Require the credit bureaus and furnishers to provide written verification or removal confirmation.

These inaccuracies have caused significant emotional distress, credit denials, and financial hardship. I request the CFPB ensure full compliance with the FCRA and hold the credit reporting agencies and furnishers accountable.

Thank you for your time and assistance in addressing these serious violations. I am attaching a copy of my ID and proof of address for verification.

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