Consumer complaint received 2025-09-24 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: MI

Complaint narrative:
I am submitting this complaint against multiple furnishers and credit reporting agencies for serious inaccuracies, incomplete information, and improper reporting practices that are damaging my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq. 

Despite my repeated efforts to dispute these items, they continue to appear on my credit reports. Below is a detailed list of the inaccurate and harmful entries : XXXX. Wrong Personal Information Wrong Address Reporting The following addresses are being inaccurately reported and have no connection to me : XXXX XXXX XXXX, XXXX, OH XXXX Wrong Address XXXX XXXX XXXX, XXXX, MI XXXX Wrong Address These are not my residences, and their presence on my report creates confusion and risks of mixed files or identity issues. 

XXXX. Inaccurate and Improper Account Reporting XXXX XXXX XXXX | Opened XX/XX/XXXX | Balance : {$0.00} Incorrectly marked Late Payment XXXX XXXX XXXX | Opened XX/XX/XXXX | High Credit : {$1000.00} Improper Charge Off reporting XXXX  XXXX XXXX | Opened XX/XX/XXXX | High Credit : {$310.00} Improper Charge Off Possible Finance XXXX | Opened XX/XX/XXXX | High Credit : {$300.00} Improper Charge Off XXXX XXXX XXXX XXXX | Opened XX/XX/XXXX | High Credit : {$60.00} Incorrect Late Payment XXXX XXXX XXXX | Opened XX/XX/XXXX | High Credit : {$580.00} Improper Charge Off XXXX XXXX XXXX | Opened XX/XX/XXXX | High Credit : {$200.00} Improper Charge Off XXXX XXXX XXXX | Opened XX/XX/XXXX | High Credit : {$350.00} Improper Late Payment XXXX XXXX XXXX | Opened XX/XX/XXXX | High Credit : {$520.00} Improper Late Payment Source RECVB XXXX | Opened XX/XX/XXXX | High Credit : {$210.00} Improper Collection Reporting These accounts are being mishandled in reporting, showing late payments, charge-offs, and collections that are either inaccurate, incomplete, unverifiable, or outright false. 

XXXX. Improper Hard Inquiries The following inquiries appear without my authorization and are damaging my credit score : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Card XX/XX/XXXX These inquiries were not authorized by me and must be removed immediately. 

Violation of My Consumer Rights These errors violate several provisions of the FCRA, including but not limited to : XXXX ( b ) : Failure to assure maximum possible accuracy of consumer reports. 

XXXX : Failure to conduct a reasonable investigation of disputed information. 

XXXX : Furnishers reporting inaccurate or incomplete information. 

The continued presence of these inaccuracies has caused financial harm, credit denials, and undue stress. 

Requested Resolution I am requesting that the CFPB : Investigate these inaccurate, unverifiable, and misleading items with the furnishers and credit reporting agencies. 

Order immediate correction or permanent deletion of all disputed accounts, wrong addresses, and unauthorized inquiries. 

Ensure compliance with FCRA obligations by all involved parties. 

Provide me with a written confirmation of the results.

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