Consumer complaint received 2025-11-07 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: NY

Complaint narrative:
I am submitting this formal complaint against several creditors and data furnishers for reporting false, inaccurate, and unverifiable information to the credit bureaus, which has severely harmed my credit profile and violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Below are the specific issues on my credit report that must be investigated : 1. Wrong Addresses Reported XXXX XXXX XXXX XXXX, NY XXXX I have never lived at or been associated with this address. 

XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX This address is also not mine and must be removed immediately. 

These inaccurate addresses are misleading and create potential for identity confusion and fraudulent data attachment. The credit bureaus failure to verify these addresses before associating them with my file is a clear violation of FCRA 607 ( b ) ( reasonable procedures to assure maximum possible accuracy ).

2. Inaccurate and Unverified Account Information a. Charge-Off Accounts ( No Knowledge of These Accounts ) XXXX XXXX XXXX XXXX ) High Balance : {$14000.00} Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$5800.00} Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$3800.00} Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) High Balance : {$12000.00} Opened : XX/XX/XXXXXXXX  I have no knowledge or recollection of ever opening or maintaining these accounts. These entries are unverified, inaccurate, and possibly fraudulent. Reporting such unverifiable data constitutes a violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. 

I am demanding a complete deletion of these accounts from my credit file immediately, as they are damaging and unsubstantiated. 

b. Late Payment Accounts ( Incorrect Reporting History ) XXXX XXXX XXXX XXXX XXXX  ) High Balance : {$1800.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX ) High Balance : {$580.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX * ) High Balance : {$39000.00} Opened : XX/XX/XXXX These accounts are being reported with late payments that never occurred. I have never missed or been late on any payments. These false derogatory marks must be immediately corrected to show an accurate payment history, as required under FCRA 607 ( b ) and FCRA 611 ( a ) for reinvestigation of disputed information. 

3. Improper or Excessive Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my knowledge or authorization. Reporting or conducting hard inquiries without consumer consent is a violation

of FCRA 604 ( a ). These inquiries must be deleted immediately. Requested Actions : Conduct a complete investi
gation into each disputed item. 

Delete all unverified charge-off accounts and unauthorized inquiries. 

Correct all inaccurate late payment data. 

Remove all wrong addresses from my file. 

Provide written confirmation of actions taken and updated credit reports from all three bureaus ( XXXX, XXXX, and TransUnion ). 

Legal Basis and Harm These violations have caused me substantial emotional distress, credit denials, and financial harm. Under FCRA 616 and 617, I reserve the right to seek civil remedies for continued noncompliance or negligent investigation. 

I respectfully request the CFPB to take enforcement action to ensure that the furnishers and bureaus comply with federal law and uphold consumer rights to fair and accurate credit reporting.

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