Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and all applicable consumer protection statutes regarding inaccurate, misleading, and unverifiable items currently reported on my credit profile. These entries have caused severe harm to my financial life, lowering my credit score, denying me access to fair credit, and creating unjust barriers to housing and employment opportunities. I am requesting immediate investigation and deletion of the following disputed items : Wrong Addresses Reporting : XXXX XXXX XXXXXXXX XXXX XXXXXXXX This is a completely wrong address that has no connection to me. Reporting such information creates the false appearance that I have resided at multiple unrelated locations. Under FCRA Section 609 ( a ), I have the right to accurate personal identifying information, and under Section 607 ( b ), credit bureaus must maintain maximum possible accuracy. Keeping this address attached to my file is a violation and highly damaging. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX Another inaccurate and unauthorized address. I never lived here, never applied for credit using this location, and it does not belong to my personal history. Allowing this to remain on my report implies fraud or mistaken identity. This is reckless and violates my rights under FCRA Section 611. 

Negative Accounts Reporting : XXXX XXXXXXXX XXXX XXXX High Balance : {$2700.00} Date Opened : XX/XX/XXXX Reported as charge-off. This account is disputed as inaccurate, unverifiable, and misleading. No original signed contract, no billing statements, and no legal validation has been provided. Continuing to report such unverifiable data violates FCRA 623 and FDCPA requirements. This account must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$3100.00} Date Opened : XX/XX/XXXX Reported with late payments. I strongly dispute this reporting. The late payments are not accurate and have never been validated. FCRA Section 607 ( b ) requires the highest accuracy, yet this creditor continues to report damaging and misleading data. These late payments are hurting my financial stability and must be corrected or deleted immediately. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$2000.00} Date Opened : XX/XX/XXXX Reported with late payments. I dispute these lates as inaccurate and unverifiable. No original billing statements, contracts, or evidence have been provided to prove the accuracy of this reporting. Under FCRA Section 609 and 611, I have the right to demand proper investigation, and under FCRA Section 623, furnishers are required to report accurate information only. This tradeline is harming my financial credibility and must be corrected or deleted immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$39000.00} Date Opened : XX/XX/XXXX Reported with late payments. This account reporting is inaccurate and harmful. Given the high balance, the false late payments severely impact my creditworthiness, ability to access fair credit, and overall financial stability. FCRA Section 602 ( A ) requires fair and equitable reporting, and this account violates that principle. I demand proof of accuracy or immediate deletion. 
The reporting of these inaccurate accounts and inquiries violates my rights under FCRA Sections 602, 607 ( b ), 609, 611, and 623, and also places the credit bureaus and furnishers in noncompliance. These items are lowering my credit score, leading to denials of financial opportunities, higher interest rates, and emotional distress. If these inaccuracies are not fully resolved, I reserve my right to pursue legal remedies under FCRA Section 616 ( civil liability for willful noncompliance ) and Section 617 ( civil liability for negligent noncompliance ). 
I demand a complete investigation within the 30-day timeframe mandated by law and written confirmation of the results.

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 explanation