Consumer complaint received 2025-08-01 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: OH

Complaint narrative:
I am submitting this formal complaint against various credit reporting agencies and data furnishers for continued reporting of inaccurate, outdated, unverifiable, duplicated, and fraudulent information on my credit file. These items are seriously damaging my financial standing, obstructing my ability to secure housing, employment, and credit, and are in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Servicemembers Civil Relief Act ( SCRA ). 
XXXX XXXX XXXX  XXXX, MD XXXX WRONG ADDRESS I have never lived at this address or been affiliated with it in any way. It does not belong to me nor has it ever been associated with any accounts Ive held. Its presence on my report is false and likely due to data entry error, identity confusion, or misreporting from a third-party furnisher. 
Issue : This misinformation severely affects my credit profile, leading to cross-linked files and suspicion of fraud or ID theft. 
Law : FCRA 607 ( b ) requires that credit reporting agencies ensure maximum possible accuracy ; this address clearly violates that requirement. 
XXXX XXXX XXXX  XXXX, VA XXXX WRONG ADDRESS This address was never mine. I have no family, financial, or personal connection to this property. I suspect my information has been mixed with someone else 's profile. 
Issue : The inclusion of this address may suggest fraudulent accounts or a merged file, which damages my credibility with lenders.

Law : Under FCRA 611 ( a ), I have the right to dispute inaccurate or unverifiable information and request deletion. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$69000.00} LATE PAYMENT I dispute the late payments being reported. During this time, I was on XXXX XXXX military orders and requested accommodations under the Servicemembers Civil Relief Act ( SCRA ), but XXXX XXXX did not properly update my file or provide support. 
Issue : These late payments misrepresent my payment behavior, lower my credit score, and do not reflect my actual hardship protections.

Law : SCRA 3937 protects service members from negative credit actions during active service. Also, FCRA 623 ( a ) prohibits reporting inaccurate info knowingly. 
XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} COLLECTION This debt is unknown to me and was never validated. I never received any collection letter or itemization of debt. 
Issue : I was denied credit because of this item. I requested validation and received nothing, violating my rights. 
Law : FDCPA 809 ( b ) gives me the right to request validation. FCRA 611 requires deletion if unverifiable. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} LATE PAYMENT I made timely payments on this account, and any supposed late fees were due to Comenitys failure to post my online payment correctly. 
Issue : This is a reporting error caused by internal processing delays, not consumer neglect. 
Law : FCRA 623 ( b ) obligates furnishers to correct or delete inaccurate data upon dispute. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} COLLECTION I did not open this account. This appears to be a fraudulent line added under my name, and no verification has been provided. 
Issue : This item is the result of identity theft or unauthorized use. 
Law : FCRA 609 ( a ) allows me to request all documentation. If none is provided, per FCRA 611, this must be deleted. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} CHARGE OFF Reporting a charge off for an account with a XXXX balance is misleading. This account was settled in good standing. 
Issue : This reporting makes me appear as a defaulting borrower, even though no amount is due. 
Law : FCRA 605 ( a ) prohibits misleading entries that harm a consumers financial profile.

I request the CFPB to investigate each of these inaccurate items, ensure their deletion if not verified with valid documentation, and take appropriate enforcement actions against all parties violating federal law. I am attaching a copy of my ID, proof of address, and credit report highlighting the disputed items. These errors are not only harmful but also ongoing and unresolved despite multiple disputes. I respectfully request your urgent attention and assistance in permanently removing these damaging and unlawful items from my credit report

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 explanation