Consumer complaint received 2025-11-13 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:
I am submitting this formal complaint regarding multiple inaccuracies appearing on my credit reports, which are seriously affecting my credit standing and financial reputation. These errors include wrong personal address information, inaccurate late payment reporting, and several charge-off and collection accounts that I have no knowledge of.

1. Wrong Addresses Reported : The following addresses are inaccurately associated with my credit file. I have never lived at or been affiliated with these locations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These must be removed immediately as they do not belong to me and appear to be the result of mixed or fraudulent information.

2. Inaccurate Late Payment Reporting : The following accounts are reporting late payments that are completely incorrect. I have never made any late payments on these accounts. This misinformation must be corrected immediately to reflect an accurate payment history : XXXX XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$300.00} XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$0.00} I request that these accounts be fully verified with documented proof of any alleged late payment. If such documentation can not be provided, the accounts must be corrected to show a perfect payment history.

3. Unknown Charge-Off and Collection Accounts : The following accounts are being reported as charge-offs or collections. I have no knowledge of these accounts and never authorized or opened them. They appear to be inaccurate or fraudulent. I request their immediate deletion from all credit reporting agencies : Charge-Off Accounts : XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$2600.00} XXXX  XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$3500.00} XXXXXXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX High Credit : {$300.00} XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$1000.00} XXXX  XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$500.00} XXXX  XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$450.00} XXXX XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$250.00} XXXX  XXXX Open Date : XX/XX/XXXX High Credit : {$500.00} XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$500.00} Collection Accounts : XXXX XXXX  XXXX Date Opened : XX/XX/XXXX High Balance : {$1300.00} XXXX  XXXX Date Opened : XX/XX/XXXX High Balance : {$1100.00} XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$930.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Balance : {$730.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Balance : {$600.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Balance : {$550.00} These accounts are completely unfamiliar to me and should be treated as fraudulent or erroneous. I am requesting a thorough investigation into how these were placed on my credit file, and their full deletion if the furnishers can not produce verifiable proof of ownership or authorization.

4. Recent Inquiry : Additionally, I noticed the following inquiry that I do not recognize and did not authorize : XXXX  Date : XX/XX/XXXX This unauthorized inquiry should be removed immediately.

Requested Resolution : I am requesting that the CFPB investigate these inaccuracies and ensure the credit reporting agencies ( XXXX, XXXX, and TransUnion ) correct or delete the erroneous information in compliance with the Fair Credit Reporting Act ( FCRA ). These errors have caused significant damage to my credit reputation and must be rectified immediately.

Please confirm receipt of this complaint and provide me with updates regarding the actions taken to resolve these reporting inaccuracies.

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