Consumer complaint received 2025-06-22 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 writing to file a formal complaint concerning multiple inaccurate and potentially unlawful entries being reported on my credit report by various furnishers and credit reporting agencies. These inaccuracies include incorrect account statuses, erroneous addresses, and unauthorized credit inquiries, all of which have negatively impacted my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws, I am entitled to accurate and verified information on my credit report. The reporting entities and credit bureaus have failed to meet these legal obligations, and I request immediate investigation and correction of the following items : XXXX. Inaccurate and Fraudulent Addresses Reported Reported Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Wrong Address XXXX XXXX XXXX XXXX Ct, XXXX, GA XXXX Wrong Address These addresses are not associated with me at any time. Reporting inaccurate address information is a violation of the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information.

Violation : FCRA 607 ( b ) Failure to maintain accurate address information Requested Action : Permanent deletion of these addresses from all consumer reporting agency files. 
XXXX. XXXX and XXXX Account XXXX XXXX a. Account # XXXX * * Date Opened : XX/XX/year> High Credit : {$6000.00} Status : Late Payments * * b. Account # XXXX * * Date Opened : XX/XX/year> High Credit : {$3500.00} Status : Late Payments * * The same account number is being reported twice with different high credit amounts, which is a clear duplication. Additionally, the repeated " Late Payments '' remarks are misleading and potentially inaccurate. 
This is a direct violation of : FCRA 602 ( A ) Inaccurate and misleading reporting FCRA 607 ( b ) Duty to ensure maximum possible accuracy FCRA 605B Requires removal of information resulting from identity theft or errors FCRA 623 ( a ) ( 5 ) Duty of furnishers to report accurate information Violation : Duplicate and incorrect reporting of a single account with conflicting details Requested Action : Immediate removal of the duplicate entry and full investigation into the accuracy of the late payment remarks.

Request for Action : Conduct a thorough investigation of all the above disputed accounts and inquiries.

Remove or correct all inaccurate, outdated, or unverifiable information in compliance with FCRA 611.

Provide me with updated credit reports reflecting corrections.

Cease any further reporting of inaccurate data.

Confirm in writing your resolution of this complaint within the legally mandated timeframe.

Failure to comply with federal laws protecting consumers credit information not only harms my financial wellbeing but also constitutes a violation subject to regulatory enforcement.

Please treat this matter with urgency.

Thank you for your prompt attention to these serious concerns.

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