Consumer complaint received 2025-11-08 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:
I am filing this formal complaint regarding multiple inaccurate, unverifiable, and unauthorized items reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute and seek correction or deletion of any information that is incomplete, inaccurate, or unverifiable. The continued presence of these items has caused, and continues to cause, harm to my credit reputation, financial opportunities, and personal credibility. I request immediate investigation, correction, or deletion of the following items : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Wrong Address I have never resided at this address, nor have I ever authorized its use in any financial or legal capacity. Its reporting is entirely inaccurate and misleading, suggesting an association with obligations or accounts that are not mine. This error directly violates FCRA requirements for accurate and complete reporting. The continued presence of this address creates confusion with lenders and may have contributed to negative credit decisions. Immediate deletion is required to correct my credit profile. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Wrong Address This address has never been associated with me. Its inclusion is unverified and false, reflecting an incorrect history of residency. Maintaining this erroneous information damages my creditworthiness and misleads potential lenders or financial institutions. I demand that this address be removed to restore the accuracy of my credit report. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$300.00} Late Payment I have never missed or delayed a payment on this account. The reported late payment is inaccurate, unverified, and harmful to my financial reputation. This error can result in misjudgment by lenders and is a direct violation of FCRAs accuracy requirements. I demand immediate correction of this accounts payment history to reflect the truth. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$1600.00} Charge Off I have no knowledge of this account. Its reporting may be the result of fraud, identity theft, or misattribution. Under FCRA 1681i, any unverifiable account must be deleted immediately. Maintaining this charge-off on my credit report is damaging, misleading, and unacceptable. I request deletion of this account and written confirmation of removal. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off I do not recognize this account. Reporting it as a charge-off is false and misleading. This item can affect loan approvals, interest rates, and other financial opportunities. I request its deletion under FCRA guidelines. 
XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment I have always paid on time. Reporting a late payment is factually incorrect and damaging to my credit profile. It violates my rights under FCRA, and I demand immediate correction. 
XXXX XXXX XXXX XXXX Open Date XXXX XXXX, XXXX High Credit {$0.00} Late Payment I have never missed a payment on this account. The reported late payment is inaccurate, unverified, and harmful to my credit history. Immediate correction is required to restore the accuracy of my credit report. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment I have never made a late payment on this account. The reported late payment is inaccurate and misleading. It harms my credit profile and violates FCRA 1681. I demand correction of this accounts payment history to reflect accurate information. 
XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment I dispute the late payment. I have always met my payment obligations on time. Reporting an incorrect late payment misrepresents my financial behavior and violates FCRA 1681i ( a ). I request immediate correction of the payment history. 
XXXX XX/XX/XXXX Inquiries I did not authorize this credit inquiry. Unauthorized inquiries are violations of FCRA 1681b and negatively affect my credit score. I request deletion of this inquiry and written confirmation of its removal. 
XXXX XX/XX/XXXX Inquiries This inquiry was not authorized by me. It is inaccurate, unverified, and must be removed according to FCRA 1681b. Unauthorized inquiries harm my creditworthiness and misrepresent my credit activity. 
XXXX XX/XX/XXXX Inquiries I have no knowledge or authorization of this inquiry. Reporting it without my consent violates FCRA and may negatively impact my credit score. Immediate deletion is requested. 
XXXX XX/XX/XXXX Inquiries This inquiry was made without my authorization and is therefore inaccurate. It violates FCRA 1681b. I demand removal from my credit report and written confirmation of correction. 
I request that all disputed items be verified in accordance with FCRA 1681i ( a ) ( 1 ) ( A ). Any information that can not be verified must be deleted immediately. I also request written confirmation of the results of your investigation and an updated credit report reflecting these corrections. Failure to comply may result in further legal action to protect my rights under FCRA.

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