Consumer complaint received 2025-08-09 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: TN

Complaint narrative:
I am submitting this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) committed by various furnishers and credit reporting agencies. These violations include the reporting of wrong addresses, inaccurate accounts, and unauthorized inquiries on my credit file. These inaccuracies are damaging my credit reputation and ability to obtain credit, housing, and employment. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX This address is listed on my credit report but I have never lived here or authorized any activity linked to it. This mistaken or fraudulent address inclusion has caused confusion and may indicate identity theft or errors in reporting. According to the Fair Credit Reporting Act ( FCRA ), reporting inaccurate address information harms my creditworthiness and is subject to dispute and correction. I demand immediate investigation and removal of this incorrect address from my credit file to prevent further damage. 

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX This is another incorrect address showing on my credit report that I never resided at or authorized usage of. Such erroneous address listings mislead creditors and creditors inquiries, violating my rights to accurate and verifiable credit information as mandated by the FCRA. Continued reporting of this false information constitutes negligence and failure in compliance with credit reporting laws, warranting deletion and notification to me of corrective measures taken. 

XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  High Credit : {$4300.00} Issue : Chargeoff The alleged chargeoff on this account is unsubstantiated and incorrect. Such derogatory remarks must be substantiated under law to prevent undue credit damage. I formally dispute this status and expect deletion under FCRA guidelines. 

XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$530.00} Issue : Collection This collection account is inaccurately reported. Inaccurate collection entries violate my rights under the FCRA and FDCPA, and legal precedent supports removal where verification can not be provided. I demand validation or removal immediately. 

XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  High Credit : {$300.00} Issue : Chargeoff Incorrect chargeoff reporting on this account harms my credit unfairly. The burden of proof lies with the creditor. Without proof, such entries must be removed under the FCRA. 

XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$620.00} Issue : Chargeoff This chargeoff is incorrectly reported. I demand validation per the Fair Credit Reporting Act and removal if unverifiable. 

XXXX XXXX  Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$43000.00} Issue : Chargeoff An erroneously reported chargeoff of this size severely impacts my credit. Legal protections mandate accurate reporting and dispute resolution. I dispute this claim and require removal until properly verified. 

XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$8600.00} Issue : Chargeoff The chargeoff entry here lacks adequate justification and must be examined and corrected to prevent further credit harm. 

XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$4000.00} Issue : Chargeoff This chargeoff is being reported incorrectly beyond allowable timeframes or without validation. FCRA rules protect consumers from outdated or unverifiable derogatory reports. 

INQUIRY DISPUTES The following inquiries were made without my written authorization, which is required under FCRA Section 604 ( a ) ( 2 ) for permissible purpose. I demand immediate removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Most of these inquiries appear to be hard pulls that were not initiated by me. Each non-permissible inquiry harms my credit score and standing. I hereby invoke my right under FCRA Section 611 to request : Full verification of each inquiry including the date, requesting company, purpose of inquiry, and proof of my signed consent. 

Immediate deletion of any inquiry that can not be verified with documented evidence of my permission.

IMPACT & DEMAND FOR ACTION These violations have caused substantial harm to my creditworthiness, resulting in denial of credit, higher interest rates, and emotional distress. I request the CFPB to : 1. Order the credit bureaus to remove all inaccurate addresses from my file.

2. Require all furnishers to delete unverifiable accounts and incorrect payment histories.

3. Remove all unauthorized hard inquiries.

4. Impose penalties for continued violations of FCRA and FDCPA. 
Under FCRA 611, furnishers and bureaus have 30 days to investigate disputes. Continued non-compliance will be grounds for civil litigation under FCRA 616 and 617.

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