Consumer complaint received 2025-11-19 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: KY

Complaint narrative:
I am submitting this formal complaint because multiple items reported by the furnisher ( s ) and credit bureau ( s ) are inaccurate, unverifiable, and causing significant harm to my credit profile. I am requesting an immediate investigation under the FCRA ( 15 U.S.C. 1681 ) and full correction/removal of the items listed below. 

XXXX. WRONG ADDRESSES NOT MINE The following addresses do not belong to me and should never have appeared on my credit file. I have no connection with these addresses at any time : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX, XXXX, XXXX XXXX Wrong Address These addresses are incorrect and must be removed immediately for safety and identity-verification purposes. 

XXXX. UNRECOGNIZED CHARGE-OFF / COLLECTION ACCOUNTS The following accounts are reported as charge-offs or collections, but I have no knowledge of these accounts and never authorized or opened them. They must be investigated and permanently deleted as they are inaccurate and unverifiable : XXXX XXXX XXXX High Balance : {$2200.00} Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXX XXXX High Balance : {$1100.00} Opened : XX/XX/XXXX Charge Off XXXX XXXX High Balance : {$2200.00} Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXX High Balance : {$8000.00} Opened : XX/XX/XXXX Charge Off XXXX XXXX High Balance : {$210.00} Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXX High Balance : {$8300.00} Collection I dispute these entirely as accounts I do not recognize. Under FCRA 609 & 611, if the furnisher can not provide full documentation proving I opened these accounts, they must be deleted. 

XXXX. LATE PAYMENT REPORTING INACCURATE The following account is reporting late payments, which is factually incorrect. I have never made a late payment on this account, and the payment history must be corrected : XXXX XXXX XXXX High Balance : {$5800.00} Opened : XX/XX/XXXX Late Payment I request a full validation of the alleged late payment history and correction of all inaccurate marks. 

XXXX. UNAUTHORIZED INQUIRIES The following hard inquiries were not authorized by me and should be removed : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are unauthorized and violate FCRA 604. Remove them immediately. 

Requested Resolution I request the CFPB to require all involved furnishers and credit bureaus to : Remove all wrong addresses Delete all unrecognized charge-off and collection accounts Correct the inaccurate late-payment history Remove all unauthorized inquiries Provide me with written confirmation of completed corrections These errors are damaging my creditworthiness, and I demand a full investigation and correction as required by federal law. 

Thank you for your attention to this matter.

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