Consumer complaint received 2025-12-09 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: NY

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies and the furnishers listed below for reporting multiple inaccurate, unverifiable, and misleading items on my consumer credit report. These errors are causing significant and ongoing harm to my creditworthiness and financial stability. 

XXXX. WRONG ADDRESSES REPORTED ( I HAVE NEVER LIVED AT THESE ADDRESSES ) The following addresses are 100 % inaccurate and do not belong to me. I demand immediate investigation and deletion : XXXX XXXX XXXX, XXXX, GA XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Wrong Address These addresses are not mine and are being wrongfully associated with my credit file. 

XXXX. CHARGEOFF ACCOUNTS I HAVE NO KNOWLEDGE OF THESE ACCOUNTS & THEY MUST BE DELETED The following TGTRELLIS accounts are being reported as charge-offs. 
I have NO knowledge of any of these accounts, have never opened them, and I dispute their validity entirely. 

I request full deletion of all the following accounts : XXXX XXXXXXXX * * Opened XX/XX/XXXX Balance : {$11000.00} Charge-off * * XXXX XXXXXXXX * * Opened XX/XX/XXXX Balance : {$7700.00} Charge-off * * XXXX XXXXXXXX * * Opened XX/XX/XXXX Balance : {$3400.00} Charge-off * * XXXX  XXXX * * Opened XX/XX/XXXX Balance : {$8900.00} Charge-off * * XXXX XXXX * * Opened XX/XX/XXXX Balance : {$12000.00} Charge-off * * XXXX XXXXXXXX * * Opened XX/XX/XXXX Balance : {$11000.00} Charge-off * * These entries appear fraudulent and are not mine. 
Under FCRA 602A & 609 ( a ), the bureaus must verify the origin of these debts or delete them immediately. 

XXXX. LATE PAYMENT REPORTING INACCURATE & MUST BE CORRECTED The following accounts are inaccurately reporting late payments. 
I have NEVER made late payments on these accounts, and I dispute the accuracy of these late marks. 

I request correction of the payment history to reflect never late : XXXX XXXX * * Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * XXXX XXXXXXXX * * Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * XXXX XXXXXXXX * * Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * XXXX XXXX XXXX * * Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * XXXX XXXX XXXX * * Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * XXXX XXXX * * Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * XXXX XXXX XXXX * * Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * XXXX XXXX XXXXXXXX * * Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * These late-payment entries are incorrect and unverified, violating FCRA 607 ( b ) ( maximum possible accuracy ). 

XXXX. REQUESTED ACTIONS I am requesting the following under the Fair Credit Reporting Act : Immediate removal of all wrong and fraudulent addresses Full deletion of all charge-off accounts I have no knowledge of Correction of all late-payment accounts to reflect never late Written confirmation from all credit bureaus and furnishers XXXX. LEGAL RIGHTS UNDER FCRA Under the FCRA : 609 ( a ) : I am entitled to full documentation proving these accounts belong to me. 

611 : Disputed items must be investigated within XXXX  days. 

602 & 607 ( b ) : All information must be accurate, verifiable, and fair. 

If the furnisher can not verify, the items MUST be deleted immediately. 

Conclusion These errors are causing me significant financial harm, including credit denials and increased costs. I demand expedited investigation and resolution. 

Please provide written confirmation once these corrections and deletions are completed.

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