Consumer complaint received 2025-11-08 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: GA

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies and serious reporting errors on my consumer credit reports. The information listed below is false, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that these items be investigated and permanently deleted or corrected immediately. 

1. Wrong Addresses Reported The following addresses are being inaccurately associated with my personal credit file. I have no connection, residency, or authorization for these addresses to appear on my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX These addresses are not mine, and their continued presence compromises the integrity of my credit file and my personal security. 

2. Inaccurate Late Payment Accounts The following accounts are being incorrectly reported with late payments. I have never made any late payments to these creditors. The reporting of such derogatory marks is a direct violation of FCRA 602 ( A ) and 607 ( B ) ( accuracy and fairness in credit reporting ). 

XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} These late payment notations are false and damaging to my credit reputation. I am requesting that all such erroneous payment histories be corrected immediately to reflect an accurate and positive payment history. 

3. Unrecognized Collection and Charge-Off Accounts The following accounts are listed as collections or charge-offs. I have no knowledge or record of these accounts, and no validation or original signed agreements have ever been provided to me : Online Information Services ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Date Opened : XX/XX/XXXX Amount : {$470.00} ( Collection ) XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ( Collection ) XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} ( Charge-Off ) XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00} ( Charge-Off ) XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ( Charge-Off ) These accounts are not mine, and I have never received any verification of the alleged debts as required under FDCPA 809 ( a ). I am requesting immediate removal of these accounts and supporting documentation if any party continues to claim their validity. 

4. Unauthorized and Questionable Credit Inquiries The following hard inquiries were made without my consent or permissible purpose under FCRA 604 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX These inquiries were unauthorized and should be deleted immediately from all credit bureau records. 

Requested Resolution I am demanding that the Consumer Financial Protection Bureau ( CFPB ) investigate these violations and ensure that the credit reporting agencies and data furnishers involved : Delete or correct all inaccurate information listed above ; Cease reporting unverifiable or unauthorized accounts ; and Provide written confirmation that my credit reports have been corrected. 

The continued reporting of these inaccurate items constitutes willful noncompliance with the FCRA and FDCPA, and I reserve my right to pursue further legal remedies should these matters not be corrected promptly.

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