Consumer complaint received 2025-09-23 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: MI

Complaint narrative:
XXXXI am submitting this formal complaint regarding multiple inaccurate, unverifiable, and misleading items appearing on my credit reports, which are causing significant harm to my credit profile and financial well-being.\n\nThe following accounts and information are being reported incorrectly and must be investigated under the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681 and the Fair Debt Collection Practices Act (FDCPA) where applicable:XXXX. Wrong Addresses (Identity Confusion / Inaccurate Reporting)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese addresses do not belong to me and their inclusion creates a false and misleading credit profile. This is a direct violation of FCRA  607(b), which requires credit reporting agencies to maintain maximum accuracy.XXXX Accounts Reported with Errors / Late PaymentsXXXX XXXX XXXX Opened XXXX, Balance: XXXX  Incorrect late payment reportingXXXX XXXX Opened XXXX, Balance: XXXX   Incorrect late payment reportingXXXX XXXX XXXX  Opened XXXX Balance: XXXX  Incorrect late payment reportingXXXX XXXX XXXX   Opened XXXX, Balance: XXXX  Incorrect late payment reporting despite XXXX balance.XXXX XXXX XXXX  Opened XXXX, Balance: XXXX  Incorrect late payment reporting.XXXX XXXX XXXX XXXX   Opened XXXX, Balance: XXXX  Inaccurate late payment reportingXXXXIssue: These accounts are either paid, closed, or show XXXX balances, yet they are being reported with late payments, which is factually inaccurate and unlawful.XXXX Accounts Wrongfully Reported as Charge-offsXXXX XXXX XXXX  Opened XXXX, Balance: XXXX   Wrongfully marked as charge-off.XXXX XXXX XXXX   Opened XXXX, Balance: XXXX  Wrongfully marked as charge-off.XXXX XXXX XXXX XXXX   Opened XXXX, Balance: XXXX  Wrongfully marked as charge-off.XXXXIssue: Charge-offs reported in this manner are inaccurate, incomplete, and misleading, in violation of FCRA  605(a) and  623(a)(1)(A).XXXX  Improper and Excessive Hard InquirieXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese inquiries were unauthorized and were not initiated by me. Under FCRA  604, a permissible purpose is required to pull my credit report. These hard inquiries are unlawful and damaging to my score.XXXXRequested ActionXXXXI respectfully demand the following actions be taken immediately:XXXXDeletion of all wrong addresses listed above.XXXXRemoval or correction of all inaccurate late payment notations on the listed accounts.XXXXDeletion of charge-off designations that are false or improperly reportedXXXXRemoval of all unauthorized hard inquiries as they lack permissible purpose.XXXXA written statement of compliance confirming that the errors have been 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