Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
I am writing to formally dispute multiple inaccurate and unauthorized entries on my credit report, which have negatively impacted my creditworthiness and financial reputation. Despite my efforts to resolve these matters directly with the reporting creditors, the inaccuracies remain unresolved. I request the CFPBs assistance in addressing these serious issues promptly. 

First, there are XXXX incorrect addresses listed on my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, and XXXX XXXX XXXX XXXX, XXXX, MD XXXX. These addresses are not associated with me and should be removed immediately. 

Several accounts are inaccurately reported. XXXX  XXXX account ending in XXXX, opened on XX/XX/XXXX, with a high credit of {$1000.00}, shows a late payment that is incorrect. XXXX  account ending in XXXX, opened on XX/XX/XXXX, with a high credit of {$12000.00}, is also incorrectly reported as a late payment. XXXX account ending in XXXX, opened XX/XX/XXXX, with a high credit of {$12000.00}, is likewise inaccurate regarding late payment reporting. 

Additionally, XXXX XXXX account ending in XXXX, opened XX/XX/XXXX, with a high credit of {$1500.00}, is reported as a charge-off inaccurately. XXXX XXXX account ending in XXXX, opened XX/XX/XXXX, with a high credit of {$780.00}, and XXXX account ending in XXXX, opened XX/XX/XXXX, with a high credit of {$3000.00}, are incorrectly listed as collections. XXXX XXXX  account ending in XXXX, opened XX/XX/XXXX, with a high credit of {$2100.00}, XXXX XXXX XXXX account ending in XXXX, opened XX/XX/XXXX, with a high credit of {$140.00}, XXXX XXXX XXXX account ending in XXXX, opened XX/XX/XXXX, with a high credit of {$440.00}, and XXXX  account ending in XXXX, opened XX/XX/XXXX, with a high credit of {$1000.00}, are all inaccurately reported as collections. 

Several additional accounts are wrongly reported as charge-offs : XXXX account ending in XXXX, opened XX/XX/XXXX, with a high credit of {$1000.00} ; XXXX  XXXX account ending in XXXX, opened XX/XX/XXXX, with a high credit of {$3600.00} ; XXXX  XXXX account ending XXXX XXXX, opened XX/XX/XXXX, with a high credit of {$1600.00} ; XXXX Card account ending in XXXX, opened XX/XX/XXXX, with a high credit of {$2200.00} ; and XXXX XXXX XXXX account ending in XXXX XXXX opened XX/XX/XXXX, with a high credit of {$3000.00}. 

Finally, there is an unauthorized inquiry by XXXX XXXX dated XX/XX/XXXX, which I did not authorize and must be removed from my credit report immediately. 

These entries are either factually incorrect, inaccurately reported, or unauthorized, violating the Fair Credit Reporting Act ( FCRA ) and negatively affecting my credit score and financial reputation. I request a thorough investigation of all these accounts and the immediate correction or removal of all inaccurate or fraudulent information.

Please consider this letter as a formal complaint and request that the CFPB hold the reporting agencies accountable for compliance with federal regulations. I also request written confirmation of the status of my complaint and the results of the investigation once completed.

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