Consumer complaint received 2025-12-04 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: NJ

Complaint narrative:
To Whom It May Concern Consumer Financial Protection Bureau My credit file is being reported with false and unverifiable information in violation of FCRA 602 ( A ), 607 ( B ), and 611. Wrong addresses and an unauthorized inquiry are attached to my report even though I have no connection to them. These errors are causing harm, confusion, and mixed-file issues, and the bureau has not corrected them despite disputes. I am requesting full correction and deletion through this CFPB complaint. 

ADDRESS XXXX XXXX XXXX, XXXX, NJ XXXX I have never lived at this address and it does not belong to me. Keeping this inaccurate identifier violates FCRA 604 and 607 ( B ). This address is unverified and must be deleted immediately. 

XXXX XXXX XXXX, XXXX, NJ XXXX This is not my address and has no connection to my identity. Under FCRA 609 and 611 you must maintain accurate personal information. This unverifiable address must be removed from my file. 

ACCOUNTS XXXX XXXX XXXX Open Date XX/XX/XXXXXXXX  High Credit {$500.00} Late Payment The late payment reporting is inaccurate. I have never made any late payments. Under FCRA 607 ( B ) and 611 this must be corrected to show on-time history. No Balance. 

XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off I have no knowledge of this account. Under FCRA 602 ( A ), 609, and 611 you must verify with actual documentation or delete it. No Balance. 

XXXX XXXX XXXX Open Date XX/XX/XXXXXXXX  High Credit {$200.00} Late Payment The late payment is incorrect because I have never been late. Under FCRA 607 ( B ) this must be corrected to show on-time payments. No Balance. 

XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment This late payment is inaccurate. I have never submitted a payment late. Under FCRA 611 and 607 ( B ) correct this to show on-time status. No Balance. 

XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment The late payment is wrong. I have always paid on time. Under FCRA 607 ( B ) this must be corrected. No Balance. 

XXXX XXXX XXXX Open Date XX/XX/XXXXXXXX  High Credit {$0.00} Charge Off I have no knowledge of this account. Under FCRA 609 and 611 this must be verified with proper documentation or deleted. No Balance. 

XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$600.00} Charge Off This account is unknown to me. Under FCRA 602 ( A ), 607 ( B ), and 611 unverifiable accounts must be deleted. No Balance. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment The late payment is inaccurate. I have never been late. Under FCRA 607 ( B ) and 611 correct the payment history. No Balance. 

XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX High Balance {$1300.00} Collection I have no knowledge of this collection. Under FCRA 609 and 611 you must verify with documentation or delete it. No Balance. 

XXXX XXXX Date Opened XX/XX/XXXX High Balance {$880.00} Charge Off I do not recognize this account. Under FCRA 609 and 611 you must verify or delete. No Balance. 

XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXXXXXX  Balance {$550.00} Charge Off I have no knowledge of this debt. Under FCRA 602 ( A ) and 611 delete if not fully verified. No Balance. 

XXXX XXXX Open Date XX/XX/XXXX Balance {$1000.00} Charge Off I have no knowledge of this account. Under FCRA 609 and 611 you must verify with documentation or delete it. No Balance. 

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 XXXXXXXX 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 inquiries were not authorized by me and there was no permissible purpose under FCRA 604 ( a ) ( 2 ). Any inquiry obtained without consent must be removed immediately because it is damaging my credit and violating my rights. 

These items are inaccurate and unverified and must be removed immediately. Under FCRA 602 ( A ) and 611, I am requesting that the CFPB enforce correction and deletion of all wrong addresses and the unauthorized inquiry listed above.

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