Consumer complaint received 2025-08-14 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: GA

Complaint narrative:
I am submitting this complaint to formally dispute and demand immediate correction of multiple inaccurate, incomplete, and unverifiable items being reported on my consumer credit files by various furnishers and credit reporting agencies. These accounts are being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, and the Fair and Accurate Credit Transactions Act ( FACTA ). The inaccurate reporting of these accounts has caused significant harm to my creditworthiness, emotional distress, and financial well-being, including denial of credit opportunities, higher interest rates, and damage to my reputation. The furnishers and credit reporting agencies have failed to follow reasonable procedures to assure maximum possible accuracy as required under FCRA 1681e ( b ) and have failed to conduct a proper reinvestigation as mandated under FCRA 1681i. Below are the disputed items with the associated violations and the detailed story explaining the harm and noncompliance by each furnisher. 
Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This address is inaccurately linked to my file and does not represent my current or correct residential history. 
Law : FCRA 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Story : I have never resided at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Associating this address with my file is a clear case of inaccurate personal information that can result in mixed files, potential identity confusion, and the appearance of accounts or inquiries that do not belong to me. My true residential history can be substantiated by official documents such as lease agreements, utility bills, and my drivers license records. The continued presence of this address not only misrepresents my identity but also places me at risk for credit misattribution. 
Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This address is incorrect and should not appear in my credit report. 
Law : FCRA 1681e ( b ) requires maximum possible accuracy in all consumer credit file information. 
Story : I have never occupied, rented, or owned the property at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Including this address on my credit report may cause lenders to question my stability, financial history, and identity. It could also cause a false link to accounts or debts that are not mine. All official address records from employers, banking institutions, and government-issued documents prove this address is not associated with me. 
Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This address is inaccurate and not a part of my legitimate residential history. 
Law : FCRA 1681e ( b ) requires credit bureaus to ensure information is accurate and up to date. 
Story : I have no ties to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never lived there, and my financial and personal records confirm this. Including this address can misrepresent my geographic stability and connect me to possible debts or inquiries that are unrelated to me. This is especially harmful because incorrect addresses can lead to the appearance of fraudulent activity, impacting my creditworthiness. 

Account XXXX XXXX XXXX XXXX, Account XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$550.00}, Status : Chargeoff Issue : This account is inaccurately reported as a chargeoff, and the balance is not correct. 
Law : FCRA 1681s-2 ( a ) prohibits the reporting of inaccurate information by data furnishers, and 1681e ( b ) mandates credit bureaus maintain maximum possible accuracy. 
Story : I dispute the reporting of this account as a chargeoff. My records do not show any valid chargeoff activity with XXXX XXXX XXXX This accounts balance, payment history, and status are incorrect. The chargeoff designation significantly damages my credit score and does not reflect the actual state of my account. I request validation with original signed agreements, full account statements, and payment history to confirm accuracy. If these can not be provided, the account must be removed immediately. 
Account : XXXX XXXX, Account XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$170.00}, Status : Chargeoff Issue : This account is inaccurately reported as charged-off, and the balance information is incorrect. 
Law : FCRA 1681e ( b ) requires maximum accuracy, and 1681i requires reinvestigation upon dispute. 
Story : I never defaulted in a manner that would justify a chargeoff status for this account. XXXX XXXX  reporting contains discrepancies in payment dates, balance amount, and status. Without proper supporting evidence such as full account ledgers and payment records, the chargeoff entry is unverifiable and misleading. 
Account : XXXX XXXXXXXX XXXX XXXX, Account XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$0.00}, Status : Late Payment Issue : The reported late payment is inaccurate. 
Law : FCRA 1681e ( b ) requires accurate reporting, and 1681i requires that disputed items be verified or removed. 
Story : I have no record of making a late payment for this account. Reporting it as late is damaging and false. Payment history from my bank statements shows timely payments for the period in question. Unless XXXX XXXX XXXX  can provide direct evidence of a legitimately late payment, this entry should be deleted. 
Account : XXXX, Account XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$2100.00}, Status : Collection Issue : This collection account is not valid and is reported in error. 
Law : FCRA 1681e ( b ) and 1681i protect against unverifiable and inaccurate information. 
Story : I dispute the legitimacy of this alleged XXXX debt. I have not received any validation of this balance, nor proof that I owe XXXX {$2100.00}. Without original service agreements, detailed billing, and account history proving I am the responsible party, this entry is unverifiable. The presence of this item misrepresents my financial standing and unfairly harms my credit score. 
Inquiry : XXXX XXXX, XX/XX/XXXX Issue : This inquiry was made without my consent. 
Law : FCRA 1681b prohibits unauthorized credit inquiries. 
Story : I never applied for credit with XXXX XXXX XXXX XXXX on this date. This inquiry lowers my score without any permissible purpose and should be removed. 
Inquiry : XXXX, XX/XX/XXXX Issue : Unauthorized credit inquiry. 
Law : FCRA 1681b prohibits inquiries without permissible purpose. 
Story : I did not authorize SYNCB/MC to access my credit file. This request was made without my knowledge, and no application was submitted. 
Inquiry : XXXX XXXX, XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 1681b prohibits access without permissible purpose. 
Story : This inquiry is unapproved and unrelated to any credit application I made. 
Inquiry : XXXX XXXX, XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : Same as above. 
Story : I did not seek credit from XXXX XXXX on this date ; this must be deleted. 
Inquiry : XXXX XXXX, XX/XX/XXXX Issue : Duplicate unauthorized inquiry. 
Law : FCRA 1681b.

Story : This is a duplicate of the above and equally unapproved. 
Inquiry : XXXX XXXX, XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 1681b. 
Story : No application exists for this credit check ; remove it immediately. 
Inquiry : XXXX XXXX, XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA XXXX. 
Story : I never applied for any XXXX XXXX card on this date. 
Inquiry : XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 1681b. 
Story : I have no application or consent for this access to my credit file. 
I am demanding that the CFPB investigate these accounts, require the furnishers and credit reporting agencies to provide complete, documented proof of the validity and accuracy of each account or permanently delete them from my credit reports. The continued reporting of these unverifiable and inaccurate items is in willful noncompliance with federal law, and I request enforcement actions and corrective measures to protect my consumer rights.

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