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: TX

Complaint narrative:
I am submitting this formal complaint against several credit reporting agencies and creditors for reporting false, unverified, and misleading information on my consumer credit report. Despite my repeated efforts to resolve these inaccuracies directly, these entities have failed to provide proof of accuracy or lawful verification of the data being furnished. 

XXXX. Wrong Address Reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is incorrect and does not belong to me. It must be deleted from all credit bureau records immediately as it represents a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) for reporting inaccurate personal information. 

XXXX. Accounts with Incorrect Late Payment History ( I have never made any late payments ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are being inaccurately reported as having late payments. I have never made a late payment to these creditors, and such reporting severely damages my creditworthiness. Under FCRA Section 623 ( a ) ( 1 ) ( A ), a furnisher of information is prohibited from reporting information that it knows or should know is inaccurate. I demand immediate correction of these false reports. 

XXXX. Accounts Reported as Charge-Offs or Collections That I Have No Knowledge Of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1100.00} Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$230.00} Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$7700.00} Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$13000.00} Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Opened XX/XX/XXXX Balance {$16000.00} Charge Off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$3000.00} Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$240.00} Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$640.00} Collection I have no knowledge or record of these accounts, nor have I ever entered into any agreement with these creditors. These entries appear to be fraudulent or misreported, and the furnishers have failed to provide any lawful validation or documentation confirming ownership or authorization. As required under FCRA Sections 602A, 604, and 609, such unverifiable accounts must be immediately deleted from my credit profile. 

XXXX. Unrecognized Inquiry : XXXX XXXX XXXX  Inquiry Dated XX/XX/XXXX I did not authorize this credit inquiry, and it constitutes a violation of my consumer privacy rights under the FCRA. Please remove this inquiry immediately. 

Requested Resolution : Immediate deletion of all unverified charge-off and collection accounts. 

Correction of all falsely reported late payment notations to reflect an on-time payment history. 

Removal of the inaccurate address from my credit report. 

Removal of any unauthorized credit inquiries. 

Written confirmation from each credit bureau and creditor verifying completion of these actions. 

The continued presence of these errors causes serious harm to my credit reputation and violates my rights under the FCRA ( 15 U.S.C. 1681 et seq. ). I respectfully request that the CFPB conduct a thorough investigation into these matters and hold the responsible parties accountable for negligent reporting and non-compliance. 

Thank you for your prompt attention and assistance in resolving these ongoing credit reporting violations.

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