Consumer complaint received 2025-09-15 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: LA

Complaint narrative:
This complaint is submitted to the CFPB to address multiple violations of my rights under the FCRA, including inaccurate reporting of charge-off accounts and an incorrect address. Sections 602, 607, 609, 611, 623, 1681i, 1681e ( b ), and 1681s-2 require reporting agencies and creditors to ensure that all information is fully verified and accurate. The presence of these false items has caused financial loss, emotional distress, and disruption of my creditworthiness. I demand immediate investigation, verification, and corrective action by the CFPB. 

ADDRESSES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WRONG ADDRESS I have never lived at or used this address for any purpose. Its continued presence creates a false association and puts me at risk of file mixing or identity errors. This address being reported after my previous dispute shows that your reinvestigation was insufficient under FCRA XXXX. You must contact the original source of this address and obtain documentary proof that I lived there. If such proof does not exist, FCRA XXXX ( b ) requires you to remove this information to maintain maximum possible accuracy. Please delete this address immediately to prevent future harm. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX WRONG ADDRESS I have no connection whatsoever to this address, yet it is still linked to my credit file. By continuing to report it after my first dispute, you are not complying with your duty to correct errors under FCRA 611 ( a ) ( 1 ). The law is clear that unverifiable data must be corrected or deleted within 30 days. Leaving this address on my report exposes me to potential fraud and inaccurate reporting of accounts tied to someone else. Please investigate thoroughly, verify with signed lease or ownership records if available, and remove it if no such proof exists. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$420.00} I dispute the accuracy of this charge-off reporting. FCRA Section 611 gives me the right to demand a reinvestigation and to have unverifiable information removed. XXXX XXXX must produce a full accounting history, including all payments, the original contract with my signature, and the method used to calculate this charge-off amount. If any of this documentation is missing or inconsistent, FCRA 607 ( b ) requires that the tradeline be deleted. Continuing to report an inaccurate charge-off can be considered willful noncompliance under FCRA 616 . This negative information is harming my ability to secure fair credit terms and must be corrected or removed immediately. 

XXXX XXXXXXXX XXXX XXXX CHARGE OFF XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$4100.00} This tradeline is reporting a charge-off that I do not recognize as accurate. I am requesting proof of the original account agreement, every payment and delinquency date, and verification of the date of first delinquency that led to this charge-off. Without this information, the account is unverifiable and must be deleted under FCRA 611. The balance appears inflated, which may violate FCRA 607 ( b ) accuracy requirements. Reporting inaccurate or outdated information is not permitted and may be considered negligent under FCRA 623 ( a ) ( 1 ) ( A ). I request immediate correction or deletion. 

XXXX XXXX XXXX XX/XX/XXXX This is a duplicate inquiry from the same company on the same date and is damaging my credit score unfairly. FCRA 607 ( b ) requires you to ensure accuracy and prevent duplicate reporting that misrepresents my credit behavior. If this was triggered by the same application, it must be removed as a duplicate. I request immediate reinvestigation and deletion of this entry if not fully documented with proof of separate permissible purpose. 

I ask the CFPB to oversee the full reinvestigation and correction of all disputed items on my credit report, including the wrong address and all fraudulent or misreported accounts. The harm caused by these inaccuracies is significant, affecting my credit, finances, and personal well-being. I request written verification that all corrections have been implemented and enforcement of accountability where necessary.

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