Consumer complaint received 2025-10-01 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 writing to file a formal complaint regarding multiple inaccurate and harmful entries appearing on my credit report, which are causing severe damage to my credit standing and financial stability. These accounts and inquiries are either being reported in error, misrepresented, or are unverifiable under the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 607 ( B ), and 609. 

Below are the disputed items currently appearing on my credit report : Address : XXXX XXXX, XXXX, TX XXXX This is not my correct or verified address and should be removed immediately. 

Inaccurate Accounts/ Charge-offs/ Collections : XXXX  ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX | Balance : {$1100.00} | Charge-off XXXX  XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Opened XX/XX/XXXX | Balance : {$1100.00} | Charge-off XXXX XXXX  ( Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Opened XX/XX/XXXX | Balance : {$1900.00} | Charge-off XXXX XXXX ( Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Opened XX/XX/XXXX | Balance : {$720.00} | Late Payment XXXX XXXX XXXX ( Acct : XXXX XXXX XXXX XXXX XXXX XXXX  ) Opened XX/XX/XXXX | Balance : {$3200.00} | Charge-off XXXX XXXX  ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Opened XX/XX/XXXX | Balance : {$0.00} | Still reported as Charge-off ( contradictory ) XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX | Balance : {$16000.00} | Charge-off XXXX  XXXXXXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX ) Opened XX/XX/XXXX | Balance : {$1300.00} | Collection BALANCE XXXX ( Acct : XXXXXXXX XXXX XXXX ) Opened XX/XX/XXXX | Balance : {$2400.00} | Collection XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  ) Opened XX/XX/XXXX | Balance : {$8200.00} | Collection Unverified & Excessive XXXX  Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Grounds for Complaint : Several accounts are being reported inaccurately, repeatedly, or with conflicting information ( e.g., XXXX XXXX showing both XXXX XXXX and collection/charge-off entries ). 

Some accounts appear to be unverified, obsolete, or misattributed to me. 

The repeated and inaccurate reporting of charge-offs and collections violates FCRA 607 ( B ) ( accuracy requirements ).

Reporting of incorrect or unverifiable addresses is misleading and constitutes a violation of FCRA 609 ( A ). 

Multiple unauthorized or unverified hard inquiries have been made without my consent, negatively impacting my XXXX XXXX. 

Requested Action : I respectfully demand the following corrective measures in compliance with the FCRA : Immediate deletion or correction of all inaccurate, unverifiable, and duplicate accounts listed above. 

Removal of the incorrect address ( XXXX XXXX, XXXX, TX XXXX ) from my file. 

Removal of unauthorized and unverified XXXX  inquiries listed above. 

Written confirmation from the credit bureaus and creditors that these corrections have been made. 

Failure to properly investigate and correct these items will leave me no choice but to pursue further remedies under the FCRA, including possible legal action for damages caused by negligent and willful reporting violations.

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