Consumer complaint received 2025-11-05 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 filing this formal complaint against multiple furnishers and credit reporting agencies for reporting inaccurate, unverifiable, and misleading information on my credit report. These errors are negatively impacting my creditworthiness and constitute violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to Sections XXXX ( A ), XXXX, XXXX ( B ), XXXX, and XXXX. 

Below are the specific inaccuracies and issues I am disputing : XXXX. Wrong Address Reported : XXXX XXXX XXXX, TX XXXX This is not my address and must be removed immediately as it is inaccurate and may indicate possible identity confusion or mixed file. 

XXXX. Charge-Off Accounts I Have No Knowledge Of : XXXX CARD ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) High Balance : {$490.00} | Date Opened : XX/XX/XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) High Balance : {$150.00} | Date Opened : XX/XX/XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ) High Balance : {$1000.00} | Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) High Balance : {$21000.00} | Date Opened : XX/XX/XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) High Balance : {$2700.00} | Date Opened : XX/XX/XXXX I have no knowledge of these charge-off accounts and have never authorized or entered into any agreements with these furnishers. These accounts must be fully deleted from my credit reports as unverified and inaccurate. 

XXXX. Late Payment Accounts with Incorrect Reporting History : XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) High Balance : {$520.00} | Date Opened : XX/XX/XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) High Balance : {$720.00} | Date Opened : XX/XX/XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) High Balance : {$3000.00} | Date Opened : XX/XX/XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) High Balance : {$25000.00} | Date Opened : XX/XX/XXXX These accounts are reporting late payment histories that are factually incorrect. I have never made a late payment on any of these accounts. These furnishers are in violation of FCRA XXXX ( b ) for failing to maintain maximum possible accuracy. I am demanding that the payment histories be corrected immediately. 

XXXX. Collection Accounts I Have No Knowledge Of : XXXX CRED ( XXXXXXXX XXXX XXXX XXXX ) High Balance : {$750.00} | Date Opened : XX/XX/XXXX NCB ( XXXXXXXX XXXX XXXX XXXX XXXX ) High Balance : {$1500.00} | Date Opened : XX/XX/XXXX XXXX ( XXXXXXXX XXXX XXXX ) High Balance : {$380.00} | Date Opened : XX/XX/XXXX XXXX  ( XXXXXXXX XXXX XXXX ) High Balance : {$1800.00} | Date Opened : XX/XX/XXXX I have no knowledge of these collection accounts, and I have never received any validation or proof of ownership from these companies. These are unverified and unauthorized entries that must be deleted immediately in compliance with FCRA XXXX and XXXX ( a ) ( XXXX ) ( A ). 

XXXX. Unrecognized Hard Inquiries : XXXX  XXXX Dated : XX/XX/XXXX XXXX FCU Dated : XX/XX/XXXX I did not authorize these inquiries, and they are damaging my credit scores unfairly. I request immediate removal of these inquiries under FCRA XXXX ( a ) as they were not initiated by me nor linked to any valid credit application. 

Requested Resolution : I respectfully demand that the CFPB investigate these reporting furnishers and the credit bureaus for failing to comply with the FCRA and ensure that : All unverifiable and inaccurate charge-off and collection accounts are deleted immediately. 

All incorrect late payment notations are corrected to reflect an on-time payment history. 

All unrecognized inquiries and wrong addresses are permanently removed from my credit profile. 

I am providing a copy of my government-issued ID, proof of address, and relevant documentation for verification purposes. I am requesting that this matter be investigated promptly and that I receive written confirmation of all corrections or deletions. 

Thank you for your prompt attention to this serious 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