Consumer complaint received 2025-09-06 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 submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) Sections 601, 602, 607, 609, and 611. Multiple inaccurate, unverifiable, and misleading items are being reported on my credit file, causing serious harm to my creditworthiness and misrepresenting my financial history. I request an immediate and thorough reinvestigation of all items listed below and correction or deletion of any information that can not be verified. 
Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address is not associated with me. Under FCRA Section 611 ( a ) ( 1 ), consumer reporting agencies must maintain accurate information and conduct reasonable investigations. Reporting this wrong address falsely represents my residence history, creating confusion with creditors and negatively impacting my credit reliability. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX This is an incorrect address. Section 607 ( b ) of the FCRA requires maximum possible accuracy in reporting. Its presence misrepresents my personal identity and may result in erroneous lending decisions. 
Account : XXXX XXXX XXXX XXXX *, High Balance : {$1900.00}, Date Opened : XX/XX/XXXX, Charge Off * * This charge-off is inaccurate. FCRA Sections 609 ( a ) ( 1 ) and 611 ( a ) require verification of disputed accounts. Reporting this item falsely portrays delinquency and negatively affects my ability to obtain credit. 
Account : XXXX XXXXXXXX XXXX XXXXXXXX * *, High Balance : {$27000.00}, Date Opened : XX/XX/XXXX, Late Payment * * This reported late payment is inaccurate. FCRA Sections 609 ( a ) ( 1 ) and 611 ( a ) require reinvestigation of disputed information. Reporting this falsely damages my creditworthiness. 
Account : XXXXXXXX XXXX XXXXXXXX *, High Balance : {$6900.00}, Date Opened : XX/XX/XXXX, Collection * * This account is inaccurate. Sections 609 and 611 mandate deletion of unverifiable items. Its reporting damages my credit profile and misleads lenders. 
Account : XXXXXXXX XXXX XXXXXXXX *, High Balance : {$1000.00}, Date Opened : XX/XX/XXXX, Collection * * This collection account is unverified. FCRA Section 611 ( a ) requires correction or removal. Its reporting falsely indicates delinquency and negatively impacts my financial standing. 
Account : XXXX XXXX XXXX * * * High Balance : {$18000.00}, Date Opened : XX/XX/XXXX, Collection * * This collection is not mine and unverifiable. FCRA Section 611 ( a ) requires deletion if verification can not be provided. Its presence misrepresents my payment history and harms my creditworthiness. 
Account : XXXX XXXX XXXX * *, High Balance : {$710.00}, Date Opened : XX/XX/XXXX, Collection * * This collection account is inaccurate. Sections 609 ( a ) ( 1 ) and 611 ( a ) require removal of unverifiable information. Reporting this item falsely suggests delinquency and damages my financial standing. 
I demand immediate reinvestigation of all disputed items and deletion of any inaccurate, unverifiable, or misreported information. These errors misrepresent my financial history and harm my credit standing. I expect all corrections to be completed promptly under the 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