Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting this complaint to formally dispute several discrepancies that have appeared on my credit report, which are not only misleading but also potentially unlawful. As a responsible consumer, I strive to maintain my financial obligations and ensure that all information related to my credit is accurate. Upon reviewing my credit report, I noticed several issues that require your urgent attention and deletion. 
XXXX of the primary issues I wish to address is the listing of a charge-off by XXXX XXXX, account number XXXX, with a balance owed of {$3300.00}. This account was marked as a charge-off, but I recently received a XXXX form for this debt, indicating that the debt has been cancelled. According to FCRA Section XXXX ( a ), obsolete information such as cancelled debt should no longer be reported once it has been forgiven or settled. The current listing of this debt on my credit report fails to reflect this accurate and updated status. As a result, it continues to harm my credit score by showing an outstanding balance. This violates the requirement for creditors and furnishers of information to report accurate and complete information, as mandated by FCRA XXXX ( a ) ( XXXX ). 
Additionally, I have noticed the listing of a late closed account by XXXX, account number XXXXXX/XX/XXXX with a balance owed of {$0.00}. This account was closed but is inaccurately reported as a late account. According to FCRA XXXX ( c ), accounts marked as " late '' or " delinquent '' should accurately reflect the status of the debt, and no such status should be present when the account is closed and the balance owed is {$0.00}. The inclusion of this misleading information is an error and misrepresents my payment history. I request that this be removed from my credit report in accordance with the FCRA 's requirement to report accurate and complete data. 
Lastly, I have noticed an inquiry from XXXX XXXX XXXX XXXX dated XX/XX/year>, which I did not authorize. As per FCRA XXXX ( a ) ( XXXX ), a credit report may only be accessed for permissible purposes, such as when the consumer gives written consent for a lender to review their report. Since I did not provide such consent, I request that this inquiry be removed immediately, as it was made without my permission. 
Another issue I need to address is the incorrect listing of XXXX previous addresses. The following addresses, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, and XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX, are no longer associated with me and should not appear on my report. According to FCRA Section XXXX ( a ), such outdated or incorrect information should not be reported, as it no longer accurately reflects my current living situation. The inclusion of this obsolete information further complicates my credit report, and I respectfully request its removal.

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