Consumer complaint received 2025-10-21 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 filing this complaint against multiple furnishers and credit reporting agencies for serious violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My credit report contains multiple inaccuracies that are damaging my creditworthiness, despite my repeated attempts to have them corrected. 

Below is a summary of the inaccurate and disputed items currently being reported : Wrong Address Reporting XXXX XXXX XXXX XXXX, XXXX, TN XXXX Incorrect, never resided at this address. 

XXXX XXXX  XXXX XXXX XXXX XXXX, TN XXXX Incorrect, never resided at this address. 

These addresses are inaccurate and should be permanently removed from my credit file, as they do not belong to me and may indicate potential identity misassociation. 

Inaccurate Account and Payment Reporting XXXX PM ( Acct : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$32000.00} Reported Late Payment ( Inaccurate ) XXXX ( Acct : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$1900.00} Reported Late Payment ( Inaccurate ) XXXX ( Acct : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$2200.00} Reported Late Payment ( Inaccurate ) XXXX XXXX XXXX ( Acct : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$500.00} Improperly Reported as Charge Off XXXX XXXX XXXX SELF ( Acct : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$720.00} Reported Late Payment ( Inaccurate ) XXXX XXXX ( Acct : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$21000.00} Reported Late Payment ( Inaccurate ) XXXX BANK ( Acct : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$2400.00} Improperly Reported as Charge Off XXXX XXXX BANK ( Acct : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$520.00} Improperly Reported as Charge Off XXXX BANK ( Acct : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$250.00} Reported Late Payment ( Inaccurate ) XXXX  BANK ( Acct : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$550.00} Reported Late Payment ( Inaccurate ) XXXX ( Acct : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$540.00} Improperly Reported as Charge Off Collections and Inquiries XXXX XXXX SYSTEMS ( Acct : XXXX XXXX XXXX Opened : XX/XX/XXXX High Credit : {$3000.00} Unauthorized Collection Account XXXX XXXX ( Acct : XXXX ) Unauthorized Collection Reporting XXXX  XXXX BANK ( Inquiry : XX/XX/XXXX ) Unauthorized Hard Inquiry XXXX XXXX XXXX XXXX ( Inquiry XXXX XX/XX/XXXX XXXX Unauthorized Hard Inquiry Legal Basis for This Complaint These entries violate my consumer rights under : FCRA XXXX ( A ) & XXXX ( B ) : Duty of credit reporting agencies to ensure maximum possible accuracy. 

FCRA XXXX : Right to dispute and have inaccurate information corrected or deleted. 

FCRA XXXX : Furnishers of information must report data accurately and correct any errors promptly. 

FDCPA XXXX ( XXXX ) : Prohibition of false or misleading credit information by debt collectors.

Requested Resolution I respectfully request the CFPB to conduct a full investigation and compel the involved furnishers and credit bureaus to : Remove all incorrect addresses immediately. 

Delete or correct all inaccurate late payments, charge-offs, and collection accounts. 

Remove all unauthorized hard inquiries. 

Provide me with written confirmation of these corrections.

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