Consumer complaint received 2025-10-23 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 to report inaccurate, incomplete, and unverifiable information appearing on my consumer credit reports in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ) where applicable.

I have identified multiple issues across my reports that have negatively impacted my credit standing, caused emotional distress, and hindered my ability to obtain credit on fair terms. Below are the details of each disputed entry and concern : XXXX. Wrong Address Entries ( Inaccurate Personal Information ) XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Wrong Address XXXX FM XXXX XXXX, TX XXXX Wrong Address These addresses are incorrect and have never been associated with me. The presence of such erroneous personal information raises serious concerns about mixed files, identity confusion, or potential data contamination, which must be immediately investigated and deleted from my credit profile. 

XXXX. Inaccurate Account Information and Late Payments The following accounts are reporting inaccurate, inconsistent, or unverifiable late payments and derogatory marks that do not accurately reflect my payment history or current status XXXX XXXX  XXXX XXXX * High Balance : {$570.00} Opened : XX/XX/XXXX Reported Late Payment XXXX  XXXX XXXX High Balance : {$580.00} Opened : XX/XX/XXXX Reported Late Payment XXXX XXXX XXXX High Balance : {$330.00} Opened : XX/XX/XXXX Reported Late Payment XXXX XXXX XXXX XXXX * High Balance : {$420.00} Opened : XX/XX/XXXX Reported Late Payment XXXX XXXX XXXX High Balance : {$490.00} Opened : XX/XX/XXXX Reported Late Payment XXXX XXXX XXXX XXXX High Balance : {$25000.00} Opened : XX/XX/XXXX Reported Late Payment XXXX XXXX XXXX XXXX High Balance : {$1500.00} Opened : XX/XX/XXXX Reported Late Payment XXXX XXXX XXXX XXXX High Balance : {$15000.00} Opened : XX/XX/XXXX Reported Late Payment I dispute the accuracy, completeness, and legitimacy of these reported late payments. None of the furnishers have provided documentation validating these delinquencies. As per FCRA 611 ( a ), the reporting agencies and furnishers are required to conduct a reasonable investigation and remove or correct any unverifiable or inaccurate data. 

XXXX. Charge-off Accounts Reporting Incorrectly XXXX XXXX * * High Balance : {$530.00} Opened : XX/XX/XXXX Charge-off XXXX XXXXXXXX * High Balance : {$15000.00} Opened : XX/XX/XXXX Charge-off These charge-off accounts are being inaccurately reported and lack verification of proper accounting, balance accuracy, and ownership validation. The furnishers must provide documented proof of the charge-off event and authorization under FCRA 623 ( a ) ( 1 ) ( A ), or the accounts must be deleted. 

XXXX. Unverified Collection Account TRUEACCORD C XXXX * High Balance : {$190.00} Opened : XX/XX/XXXX Collection This account is reporting as a collection without any validation of the underlying debt. Under FDCPA XXXX ( b ), I have the right to request verification and demand removal if the collector can not provide proper documentation proving ownership and authorization to collect. 

XXXX. Unauthorized or XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX These inquiries appear to be unauthorized and were made without my explicit consent or permissible purpose under FCRA 604 ( a ). Such hard inquiries have adversely impacted my XXXX XXXX and must be investigated and removed immediately if found unverifiable. 

Requested XXXX I respectfully request the CFPB to : XXXX a thorough investigation into the listed creditors and furnishers. 

Require them to provide documented verification of the disputed information. 

Delete or correct all unverifiable, inaccurate, or outdated items from my credit file. 

Ensure compliance with FCRA 611 ( a ) and FDCPA 809 ( b ) by all reporting entities involved. 

Confirm that my personal identifying information ( addresses, accounts, and inquiries ) is corrected and updated.

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