Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing once again now formally and finally to demand the complete removal and permanent blocking of all inaccurate personal information, addresses, and tradelines from my consumer file, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), XXXX, XXXX, and other federal statutes. Your agency has engaged in a pattern of willful, harmful, and deceptive behavior, for which I now seek full accountability, including compensatory and statutory damages. 
________________________________________ SECTION I YOUR SYSTEMIC INACCURACIES HAVE CAUSED DIRECT HARM Despite previous corrections and submissions, you continue to misrepresent my identity, violating FCRA 1681e ( b ) and placing me at risk for fraudulent associations and identity misclassification. 
False and Unverified Addresses Privacy Breach Inaccurately Reported Addresses : o XXXX XXXX XXXX, XXXX, GA XXXX o XXXX XXXX XXXX, XXXX, GA XXXX I have lived exclusively at XXXX XXXX XXXX, XXXX, GA XXXX since birth. 
I have never resided in XXXX, GA and can not receive mail at the reported addresses. 
Reporting these addresses is not only false, but it constitutes a breach of privacy, and creates a misleading XXXX XXXX that now includes false debts, collections, and misapplied liabilities. 
________________________________________ SECTION XXXX XXXX COLLECTION LINKED TO FRAUDULENT ADDRESS XXXX Collection Account # XXXX XXXX XXXX XXXX XXXX  Balance : {$7200.00} Condition : Derogatory, Collection/Charge-Off Dates Opened ( inconsistent ) : o XXXX : XX/XX/XXXX o XXXX/TransUnion : XX/XX/XXXX Loan XXXX Misclassification : o XXXX XXXX XXXX XXXX XXXX Last Payment Reported : XX/XX/XXXX Reported Status : o Collection/Charge-Off o 120 Days Late o Alternating OK and Collection statuses on the same months ( XXXX XXXX ) LINK TO FALSE ADDRESS : This XXXX collection is tied to the XXXX XXXX address a location I have never resided at, never XXXX XXXX and never authorized to be associated with me. 
This makes the account unverifiable, and by federal law under FCRA 605B, you are required to block this item immediately. Continued reporting after notice constitutes willful noncompliance, actionable under FCRA 1681n and 1681o.

This entry : Defames my character, Jeopardizes my creditworthiness, Misrepresents my identity, and XXXX my familys ability to obtain housing, loans, and financial stability. 
________________________________________ SECTION XXXX MULTIPLE ACCOUNTS WITH XXXX XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) Conflicting opening dates Conflicting balance and last payment dates Different account statuses across bureaus ( Closed, Paid, Open ) Loan type inconsistencies ( XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXXXXXX ( Opened XX/XX/XXXX ) Conflicting original balances XXXX bureau reporting 60 Days Late while others report OK Inconsistent reporting dates and limits XXXX XXXX  ( Auto Loan Opened XX/XX/XXXX ) Mismatched payment histories across all XXXX bureaus Inconsistent opening dates, payment statuses, and terms XXXX  and TransUnion show 90 Days Late, XXXX shows OK for the same month XXXX XXXX Bank incorrect Account Status " Charge-Off '' : It is improper to classify this account as a charge-off, particularly when it is a secured product. If the bank claimed a loss, then legally, under IRS requirements, I must be issued a Form XXXX for cancellation of debt which I have not received. If no XXXX was filed, then no actual charge-off occurred, and the reporting is false. 

XXXX and XXXX XXXX : The reported original balance of {$430.00}, current balance of {$180.00}, and credit limit of {$250.00} do not reconcile. Reporting a balance higher than the secured credit limit is not only illogical, its materially misleading. Furthermore, reporting a " charge-off '' while simultaneously showing a current balance is contradictory, inaccurate, and constitutes double reporting, which is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). 

Deceptive XXXX XXXX on XXXX Account : Once an account is charged off, there must not be a " current '' or " past due '' balance shown. This misleads other creditors and inflates my total outstanding debt on file. If this debt was sold or transferred, XXXX is not permitted to report a balance. 

Under FCRA 607 ( b ), consumer reporting agencies must ensure maximum possible accuracy. The reporting in its current form is demonstrably inaccurate, misleading, and legally deficient. 
________________________________________ SECTION IV YOU ARE IN WILLFUL VIOLATION OF FEDERAL LAW You are now fully aware of these issues and yet have refused to act responsibly or lawfully. As a result, you are in violation of the following laws : FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy FCRA 1681i : Failure to reasonably investigate disputed items FCRA 605B : Refusal to block unverified/fraudulent data FCRA 1681n & 1681o : Willful and negligent noncompliance XXXX ( 12 U.S.C. 5531 ) : Engaging in deceptive and abusive reporting practices XXXX : Mishandling of consumer identity and financial data

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