Consumer complaint received 2025-11-07 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: SC

Complaint narrative:
I am submitting this formal complaint against multiple credit reporting agencies and furnishers for reporting inaccurate, unverifiable, and fraudulent information on my credit reports. These inaccuracies have caused significant harm to my creditworthiness and financial standing. 

Below are the details of the disputed items : Wrong Address Entries XXXXXXXX XXXX XXXX XXXX XXXXXXXX I have never resided at or been associated with this address. 

XXXX XXXX, XXXXXXXX XXXX XXXXXXXX This address does not belong to me. 

These addresses are incorrect and unauthorized, and I demand their immediate removal from all credit bureau records as they indicate possible identity confusion or reporting error. 

Charge-Off Accounts ( No Knowledge of These Accounts ) XXXX  Acct # XXXXXXXX XXXX XXXX  High Balance : {$450.00} Date Opened : XX/XX/XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX High Balance : {$530.00} Date Opened : XX/XX/XXXXXXXX XXXX Acct # XXXXXXXX XXXX XXXX High Balance : {$500.00} Date Opened : XX/XX/XXXX XXXX  Acct # XXXX XXXX XXXX High Balance : {$2700.00} Date Opened : XX/XX/XXXX I have no knowledge of these accounts and have never opened or authorized them. Reporting these as charge-offs is a clear violation of the Fair Credit Reporting Act ( FCRA ) 602 ( A ) and 607 ( B ), which require that only accurate and verifiable information be reported.

I am demanding the complete deletion of these fraudulent charge-off accounts from all credit bureaus. 

Collection Accounts ( Unverified and Unknown ) XXXX  XXXX Acct # XXXX XXXX XXXX High Balance : {$790.00} Date Opened : XX/XX/XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX High Balance : {$640.00} Date Opened : XX/XX/XXXX XXXX  Acct # XXXXXXXX XXXX XXXX  High Balance : {$2800.00} Date Opened : XX/XX/XXXX XXXX XXXX  Acct # XXXXXXXX XXXX High Balance : {$500.00} Date Opened : XX/XX/XXXX XXXX  Acct # XXXXXXXX XXXX XXXX  High Balance : {$2800.00} Date Opened : XX/XX/XXXX I have no knowledge or association with any of these collection accounts. These entries are false and unverified, and therefore must be deleted immediately. Reporting unverifiable accounts violates FCRA 611 and 623 ( a ) ( 1 ) ( A ). 

Late Payment Reporting ( Inaccurate Account History ) XXXX  Acct # XXXXXXXX XXXX XXXX  High Balance : {$340.00} Date Opened : XX/XX/XXXX XXXX  Acct # XXXXXXXX XXXX XXXX High Balance : {$23000.00} Date Opened : XX/XX/XXXX XXXX  Acct # XXXXXXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX These accounts have been reported with late payments, which is completely inaccurate. I have never made any late payments to these creditors, and such false reporting damages my credit profile unfairly.

Under FCRA 611 and 607 ( B ), furnishers and credit bureaus must ensure that information is accurate, complete, and up to date. I am requesting an immediate correction of these inaccuracies. 

Unauthorized Inquiries XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX I did not authorize these inquiries. These should be investigated and removed as they violate FCRA 604 ( a ) ( 3 ).

Request for Action I am demanding that the CFPB investigate these violations and ensure that : All incorrect addresses are permanently deleted. 

All charge-off and collection accounts listed above are deleted as I have no knowledge of them. 

All late payment notations are corrected immediately to show on-time payment history. 

All unauthorized inquiries are removed. 

These inaccurate and unverified reports have caused substantial emotional distress and financial hardship. I am requesting that the CFPB hold the reporting agencies and furnishers accountable for violating the Fair Credit Reporting Act and ensure full compliance within the 30-day investigation period. 

Thank you for your prompt attention to this matter.

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