Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
XXXXTo Whom It May Concern,XXXXI am submitting this formal complaint regarding multiple inaccurate and unauthorized items reported on my credit report by [Insert Credit Bureau(s)]. These items are incorrect, misleading, and violate the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, et seq., which mandates that all information in a consumer report be accurate, complete, and verifiable. Section 623(a)(1) of the FCRA requires furnishers to provide accurate information to credit reporting agencies. I request an immediate investigation and correction or deletion of the following items associated with my account(s):XXXXWrong Address Listings: XXXX XXXX XXXX XXXX XXXX  This address is incorrectly reported and not associated with me; XXXX XXXX XXXX XXXX XXXX   This address is incorrectly attributed to me. Reporting inaccurate addresses creates false assumptions of residency and impacts my creditworthinessXXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed as Late Payment  This late payment notation is incorrect. I have never missed or made a late payment on this account. Reporting false late payments is a direct violation of FCRA  623(a)(1)(A) requiring accurate furnishing of payment history. I demand correction of this inaccurate late payment record.XXXX XXXX XXXX XXXX XXXX XXXX Listed as Charge-Off  I have no knowledge of this account. I never authorized, applied for, or used this account. Reporting a charge-off for an account I do not recognize is fraudulent and violates FCRA  609(a)(1). I request immediate deletion of this entry.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off  I dispute this charge-off. I have no knowledge or record of this account. It is being reported without validation, which constitutes inaccurate and misleading information under FCRA  1681s-2(b). Immediate deletion is requested.XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off  I do not recognize this account. Reporting as a charge-off is false, and I request its deletion pursuant to FCRA requirements.XXXXXXXX XXXX XXXX XXXX XXXX XXXX Listed as Late Payment  The late payment status is incorrect. I have consistently made on-time payments. Misreporting late payments is a direct violation of the FCRA, and I demand correction of this account history to reflect accurate payments.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off  I dispute this charge-off. I never received notices of default or authorization for this account. Reporting this charge-off is misleading, and I request deletion in accordance with FCRA  1681i(a).XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Charge-Off  I have no knowledge of this account. Listing it as a charge-off is inaccurate and misleading. Immediate deletion is requested.XXXX XXXX XXXX XXXXXXXX XXXX XXXX Listed as Late Payment  This account has never had a late payment. The current reporting is false and must be corrected to accurately reflect my payment historyXXXX XXXX XXXX XXXX XXXX XXXX Listed as Late Payment  Reporting is inaccurate. I have consistently paid on time. I request correction of this record.XXXX XXXX XXXX XXXX XXXX XXXX, Listed as Late Payment  This late payment is incorrect. I have consistently paid on time. Misreporting late payments violates FCRA  623(a)(1)(A). Correction of this account is requiredXXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off  I have no knowledge of this account. Reporting a charge-off for an account I do not recognize is fraudulent. Immediate deletion is requested under FCRA  609(a)(1)XXXX XXXX XXXX XXXX XXXX XXXX  Listed as Late Payment  This reporting is false. I have never made a late payment on this account. Correction is requiredXXXX XXXX XXXX XXXX XXXX XXXX  Listed as Late Payment  Payment history is accurate and has no late payments. Current reporting is false and must be corrected.XXXX XXXX XXXX XXXX XXXX XXXX Listed as Late Payment  Reporting of late payments is inaccurate. I demand correction of this recordXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Listed as Late Payment  This late payment is incorrectly reported. I have consistently paid on time. Correction is required under FCRA  623(a)(1).XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off  I have no knowledge of this account. Reporting it as a charge-off is inaccurate and misleading. Immediate deletion is requested.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed as Late Payment  This reporting is false. I demand correction of my accurate payment historyXXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed as Late Payment  The late payment status is incorrect. Immediate correction is requiredXXXX XXXX XXXX XXXX XXXX XXXX Charge-Off  I have no knowledge of this account. Reporting a charge-off without verification is misleading. Immediate deletion is requested.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off  I dispute this account as I have no record or knowledge of it. Reporting it as a charge-off violates FCRA  623(a)(1). Deletion is requiredXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed as Late Payment  Reporting of late payments is inaccurate. I demand correction of this account to reflect accurate payment historyXXXX XXXX XXXX XXXX XXXX XXXX Charge-Off  I have no knowledge of this account. Reporting it as a charge-off is false and misleading. Immediate deletion is requested.XXXX XXXX XXXX XXXX XXXX XXXX, Listed as Late Payment  This late payment is incorrect. I have consistently paid on time. Misreporting late payments violates FCRA  623(a)(1)(A). Correction is required.XXXX XXXX XXXX XXXX XXXX XXXX, Listed as Late Payment  This reporting is false. I have never missed a payment on this account. Correction is required.XXXX XXXX XXXX XXXX XXXX XXXX Listed as Late Payment  Reporting a late payment is inaccurate. I demand correction of this account to reflect accurate payment historyXXXX XXXX XXXX XXXX XXXX XXXX Listed as Late Payment  Payment history is accurate and has no late payments. Current reporting is false and must be corrected.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Listed as Late Payment  This reporting is false. I have always made timely payments. Correction is required under FCRA  623(a)(1).XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection  This account is not recognized by me. Reporting it as a collection is inaccurate and must be removed.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection  I have no knowledge or record of this account. Listing it as a collection is false. Immediate deletion is requested.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection  I do not recognize this account. Reporting it as a collection violates the FCRA. Immediate deletion is required.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Collection  I have no knowledge of this account. Reporting it as a collection is inaccurate and misleading. Immediate deletion is requested pursuant to FCRA  609(a)(1)XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection  I do not recognize this account. Reporting it as a collection is false. Immediate deletion is required.XXXX XXXX XXXX XXXX XXXX XXXX  Collection  I have no record of this account. Reporting it as a collection violates the FCRA. Immediate deletion is requestedXXXX XXXX XXXX XXXX XXXX XXXX, Collection  I have no knowledge of this account. Reporting it as a collection is inaccurate and misleading. Immediate deletion is requestedXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Collection  I do not recognize this account. Reporting it as a collection is false. Immediate deletion is required.XXXX XXXX XXXX XXXX XXXX XXXX Collection  I have no knowledge of this account. Listing it as a collection is misleading. Immediate deletion is requestedXXXX XXXX XXXX XXXX XXXX XXXX  Collection  I do not recognize this account. Reporting it as a collection is inaccurate and must be removed pursuant to FCRA  609(a)(1).XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Collection  I have no knowledge of this account. Reporting it as a collection is false. Immediate deletion is requestedXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection  I do not recognize this account. Listing it as a collection is inaccurate and misleading. Immediate deletion is requested.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection  I have no knowledge of this account. Reporting it as a collection is inaccurate and misleading. Immediate deletion is requested pursuant to FCRA  609(a)(1).XXXX XXXX XXXX Inquiry  I did not authorize this inquiry. Unauthorized inquiries are a violation of FCRA  604(a)(3). Immediate removal from my credit report is requested.XXXX XXXX  Inquiry  I did not authorize this inquiry. It is being reported without my consent and must be removed.XXXX XXXX XXXX XXXX, Inquiry  I have no knowledge or authorization for this inquiry. Immediate removal is requested.XXXX XXXX, Inquiry  Unauthorized inquiry. I demand deletion from my credit report pursuant to FCRA  604(a)(3)XXXXXXXXEach of the above items materially impacts my credit profile and constitutes a violation of the FCRA. I demand that these items be fully investigated and either corrected or permanently deleted from my credit report. I request that the CFPB notify me in writing of the results of your investigation and any actions takenXXXXEnclosed are copies of supporting documents verifying my identity and address. I expect prompt attention to this complaint and resolution within the statutory 30-day period as mandated under 15 U.S.C.  1681i(a).'

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