Consumer complaint received 2025-11-01 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: NJ

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and misleading entries on my credit report that are seriously affecting my creditworthiness. I have made previous attempts to have these matters investigated and corrected, but the reporting agencies and furnishers have failed to properly resolve the issues. 

Incorrect Addresses Reported : XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX These addresses are completely inaccurate and have no connection to me. Their appearance on my credit file indicates a serious lapse in data accuracy and poses a potential risk of identity confusion or fraud. I request immediate removal of these incorrect addresses from my credit report. 

XXXXXXXX XXXX  XXXX Account # XXXX High Balance : {$260000.00} | Date Opened : XX/XX/XXXX | Reported as : Late Payment The late payment history reported on this account is entirely false. I have never made a late payment with this creditor. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) 623, which mandates furnishers to report only accurate and verifiable information. I am requesting that the late payment notations be removed immediately, and that my payment history be corrected to reflect timely payments. 

XXXX XXXX Account # XXXX High Balance : {$13000.00} | Date Opened : XX/XX/XXXX | Reported as : Charge-Off I have no knowledge of this account and have never held any account with XXXX XXXX XXXX Reporting this as a charge-off is false, misleading, and a clear violation of FCRA 602 ( A ). I demand a full investigation and deletion of this account from my credit report due to lack of authorization or verifiable connection. 

XXXXXXXX XXXX Account # XXXX High Balance : {$20000.00} | Date Opened : XX/XX/XXXX | Reported as : Charge-Off I do not recognize this account and have no record of ever opening or using any such credit line with XXXX. This appears to be either a reporting error or identity-related inaccuracy. I request complete deletion of this account from my file unless verifiable proof of my ownership and liability can be provided. 

XXXX XXXX XXXX Account # XXXX High Balance : {$1800.00} | Date Opened : XX/XX/XXXX | Reported as : Collection I have no knowledge of this account and have never authorized any debt with XXXX XXXX XXXX. Reporting this as a collection is a severe inaccuracy that must be removed immediately in compliance with FCRA 611 and 623 ( a ) ( 1 ) ( A ).

These errors collectively demonstrate a pattern of negligent reporting and failure to ensure data integrity. I request that the CFPB conduct a full investigation into these inaccuracies and compel the credit reporting agencies and data furnishers to provide documented proof or remove these unverifiable entries. 

I am attaching copies of my identification and supporting documentation for your reference. Please confirm receipt of this complaint and notify me of any progress or actions taken. 

Thank you for your time and assistance in ensuring the accuracy and fairness of my consumer credit information.

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