Consumer complaint received 2025-11-06 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 against multiple credit reporting inaccuracies currently being reported on my credit profile. These inaccuracies are causing significant harm to my creditworthiness and financial reputation. Despite my efforts to dispute these items with the credit bureaus, the reporting remains unresolved and unverified.

Below are the specific items of concern : Wrong Addresses Listed on My Credit Report : XXXX XXXX, XXXX, TX XXXX This is not and has never been my address. 

XXXX XXXX XXXX  TX XXXX This is also incorrect and has no association with me.

Unverified Charge-Off Accounts ( I have no knowledge of these accounts ) : XXXX XXXX XXXX XXXX XXXX High Balance : {$340.00} | Date Opened : XXXX XXXX XXXX XXXX XXXX XXXXXXXX High Balance : {$550.00} | Date Opened : XX/XX/XXXXXXXX XXXX I have no knowledge or recollection of ever opening or maintaining accounts with these creditors. I demand that these accounts be thoroughly investigated and deleted immediately from my credit file if the furnishers can not provide verifiable proof of ownership and authorization bearing my signature. 

Inaccurate Late Payment Reporting : XXXX XXXXXXXX High Balance : {$960.00} | Date Opened : XX/XX/XXXX * This account is being inaccurately reported with late payments. I have never made any late payments, and this false reporting is damaging my credit history. I am requesting a correction of the payment history to reflect an accurate, on-time payment record. 

Unverified Collection Accounts ( I have no knowledge of these debts ) : XXXX XXXX XXXX High Balance : {$1000.00} | Date Opened : XX/XX/XXXX * XXXX XXXX XXXX High Balance : {$830.00} | Date Opened : XX/XX/XXXX * * XXXX XXXX XXXXXXXX High Balance : {$630.00} | Date Opened : XX/XX/XXXX * I have no knowledge of these collection accounts and have never received any validation or documentation proving these alleged debts are mine. In accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), these items must be verified or immediately deleted from my credit report.

Requested Action : I am requesting that the CFPB conduct a full investigation into these inaccuracies and ensure that : All unverifiable and unauthorized accounts are permanently deleted from my credit report.

All wrong addresses are removed from my personal information section.

All inaccurate late payment notations are corrected to reflect accurate reporting.

These reporting errors have caused unnecessary harm, emotional distress, and financial loss. I am exercising my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) to dispute and demand the correction or removal of any inaccurate, incomplete, or unverifiable information.

Thank you for your prompt attention to this serious matter. Please keep me informed of all actions taken regarding my complaint.

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