Consumer complaint received 2025-10-31 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 submitting this complaint to report multiple inaccurate and unverified items being reported on my credit profile by various furnishers and credit reporting agencies. These inaccuracies are severely affecting my credit standing and violate my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

1. Wrong Addresses Reported The following addresses are being reported on my credit file and are completely inaccurate. I have never lived at or been associated with these locations : XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX, XXXX XXXX, MD XXXX These incorrect addresses suggest possible identity or reporting errors and must be removed from my credit report immediately. 

XXXX. Unverified and Inaccurate Accounts Several accounts listed on my credit report are either unverified, incorrect, or reported with serious inaccuracies : XXXX XXXX XXXX XXXX XXXX Charge Off I have no knowledge of this account or any associated obligation. 

XXXX XXXX XXXX Charge Off I have no knowledge of this account or any such debt. 

XXXXXXXX XXXX XXXX XXXX XXXX Charge Off I have no knowledge of this account. 

XXXX XXXX  XXXX Collection I have no knowledge of this account or any such collection. 

XXXX XXXX  XXXX Collection I have no knowledge of this account. 

XXXX XXXX  XXXX Collection I have no knowledge of this account. 

XXXX XXXX XXXX Collection I have no knowledge of this account. 

These charge-off and collection accounts are being reported without proper verification, in violation of FCRA 602A and 611, which require accurate, verifiable reporting of consumer information. I am requesting that the CFPB compel these furnishers and the credit bureaus to provide documented proof of these accounts validity or remove them entirely from my file. 

3. Inaccurate Late Payment Reporting The following accounts are reporting late payments, which is false. I have never made any late payments to these creditors : XXXX XXXX XXXX Reported Late Payment ( Opened XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX Reported Late Payment ( Opened XX/XX/XXXX ) XXXX  XXXX Reported Late Payment ( Opened XX/XX/XXXX ) These late payment notations are inaccurate and misleading. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or have reason to believe is inaccurate. I demand immediate investigation and correction of these errors. 

4. Hard Inquiries I am also disputing the following unauthorized inquiries, which were made without my knowledge or consent : XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I request that these unauthorized inquiries be investigated and deleted as they were not initiated or approved by me. 

Request for Action I am requesting the CFPBs assistance in conducting a full and fair investigation into these matters and ensuring that all furnishers and credit bureaus comply with the FCRA and FDCPA. All unverifiable, inaccurate, or unauthorized information must be permanently removed from my credit report. 

I am attaching copies of my identification and recent proof of address to verify my identity for this complaint. 

Thank you for your time and attention to this serious matter. I look forward to a prompt resolution and written confirmation that these issues have been properly investigated and corrected.

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