Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau under the rights granted to me by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My credit report currently contains multiple inaccuracies, unverifiable debts, and unauthorized inquiries that are severely affecting my financial life and peace of mind. Despite repeated disputes, these errors remain unresolved, and I am now escalating this matter for your urgent attention. 
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Issue : This address is inaccurately linked to my credit file despite never residing or conducting activities there. Associating my credit history with a wrong address misleads lenders and creditors, affecting my credit risk evaluations. 
Law : According to FCRA Section 609 ( a ) ( 1 ), I have the right to dispute any inaccuracies and have them corrected or deleted. Misinformation on addresses causes unjust harm by suggesting instability or fraud risk. 
Story : I have lived at my verified address for years, and this erroneous entry creates confusion. Lenders seeing this incorrect address might deny my applications or charge higher interest due to perceived risk. The persistence of this error despite prior dispute attempts is a breach of my consumer rights and must be resolved swiftly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Incorrect address entry damaging credit profile authenticity has repeatedly appeared on my report without any linkage to my identity.

Law : Under FCRA Section 611, reporting agencies must delete or correct inaccurate personal information within 30 days of dispute. Failure to remove this false address constitutes noncompliance.

Story : This false address causes unwarranted questions on my residency status. Its presence is misleading potential lenders to assume instability or identity mix-up. I demand prompt removal and confirmation of correction to prevent further detriment. 

Account Issues and Legal Points XXXX XXXX Open Date : XX/XX/XXXX High Balance : {$12000.00} Status : Charge Off Issue : The charge-off on this account is incorrect or inaccurately reported. Either the balance or account status is erroneous. Charge-offs severely damage credit scores and should only reflect truthful information. 
Law : Under FCRA & Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of debts and dispute any inaccuracies. Incorrect charge-offs are a violation of these provisions, compounding harm by unjust credit damage.

Story : This account had consistent payments and no defaults according to my records. The sudden charge-off status tarnishes my credit history and misleads lenders about my financial behavior. Immediate review and correction are necessary, as such errors impact my ability to secure future credit. 

XXXX XXXX XXXX Open Date : XX/XX/XXXX High Balance : {$5300.00} Status : Charge Off Issue : This recent charge-off may reflect misapplied payments or clerical errors, unjustly harming my credit risk profile.

Law : Per FCRA Section 623 and FDCPA Section 809, I demand debt validation and removal of any inaccurate or unverifiable derogatory information. Charge-offs must be substantiated properly. 
Story : I have disputed this account with the creditor, as payment discrepancies exist. Despite my efforts, the charge-off remains, damaging my creditworthiness and contradicting my payment records. Such negligence violates my consumer rights and requires immediate correction. 

XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX High Balance : {$25000.00} Status : Charge Off Issue : Improper reporting of charge-off status on this account is an error that impacts my credit history gravely.

Law : FCRA Section 607 ( b ) obligates reporting agencies to ensure maximum possible accuracy. Incorrect charge-offs breach this duty, entitling me to correction and possibly damages for negligence. 
Story : I have maintained communication with XXXX XXXX to resolve discrepancies and settle amounts. Erroneous charge-off reporting misrepresents my account history and creates unwarranted obstacles to credit approval. Swift removal of these inaccuracies is mandatory to uphold my rights. 
Final Note : These errors have caused me repeated emotional distress, financial loss, and embarrassment. Despite contacting the furnishers and credit bureaus, no resolution has occurred. I respectfully request CFPB 's intervention to : 1. Fully investigate all inaccurate accounts, addresses, and inquiries.

2. Compel the furnishers to provide documented proof or delete the items.

3. Ensure all entities comply with the FCRA and FDCPA.

4. Provide a written resolution within the legal timeframe. 
Thank you for your time and support in helping protect my consumer rights.

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