Consumer complaint received 2025-11-27 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: SC

Complaint narrative:
I am submitting this formal complaint regarding several inaccurately reported addresses, charge-offs, collections, late payments, and unauthorized inquiries currently present on my credit reports. These negative items do not reflect correct or verifiable information, and they are causing direct harm to my credit standing. I am requesting a full investigation, proper verification, and the removal or correction of any and all unverifiable data in accordance with the Fair Credit Reporting Act ( FCRA ). 

First, there are multiple addresses being reported that are not accurate or associated with me. These addresses include XXXX XXXX XXXX, XXXX, SC XXXX and XXXX XXXX XXXX XXXX XXXX, SC XXXX. I have no verified link to these locations, and I request immediate deletion as well as documentation showing how these addresses were verified and connected to my file. 

Next, I am challenging several charge-off and collection accounts which I do not recognize and have no knowledge of. These furnishers have not provided me with proof of contract-bearing signature, itemized billing or validation of ownership. The accounts include XXXX XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$420.00}, XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$130.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$950.00}, and XXXX XXXX XXXX  XXXXXXXX XXXX opened XX/XX/XXXX with a balance of {$4000.00}. I am requesting full validation for each account and if validation can not be provided, all accounts must be removed from my credit report. 

Additionally, there are late payment notations reporting incorrectly under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both opened XX/XX/XXXX with balances of {$770.00} and {$1800.00}, along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$0.00}. These late payment reports are inaccurate, and unless documentation is provided to verify them, I request immediate correction to reflect an on-time payment status. 

Lastly, there are multiple hard credit inquiries on my report which I did not authorize. These inquiries include XXXX XXXX  on XX/XX/XXXX and again on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. I request that each furnisher provide proof of permissible purpose for accessing my credit profile. If verification can not be provided, these inquiries must be removed immediately. 

I am requesting that the CFPB enforce an investigation, require validation of all accounts, remove unverifiable information, correct payment history, and delete all unauthorized inquiries. I expect documentation and results of this review, as provided under the Fair Credit Reporting Act. Thank you for your attention to this matter.

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