Consumer complaint received 2025-08-05 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:
To Whom It May Concern, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i and Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692. I am writing to dispute multiple inaccurate and unauthorized items reported on my credit file. These errors have severely impacted my life, denied me access to fair credit, and caused emotional distress and financial hardship. I am requesting immediate investigation and permanent deletion of the following items. 
XXXX XXXX XXXX, TX XXXX Issue : This address is incorrect and has never been associated with my residential history at any given time. 
Law : As per FCRA ( Fair Credit Reporting Act ) Section 609 and Section 611, I have the right to dispute any information on my credit report that is inaccurate, incomplete, or unverifiable.

Story : I have been the victim of misreporting which is seriously harming my creditworthiness and personal credibility. I have never lived or conducted any financial activity using this address and hereby request immediate removal from all my credit files. 

XXXX XXXX XXXX XXXX, TX XXXX Issue : Incorrect address being reported against my identity. 
XXXX : In accordance with FCRA Sec. 611, inaccurate personal identification information must be promptly corrected or deleted from consumer credit files.

Story : The presence of this wrong address on my credit report may be an indication of file mixing or clerical error, and it exposes me to identity theft threats. I strongly request its prompt investigation and permanent removal. 

XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$630.00} Date Opened : XX/XX/XXXX Issue : Marked as Charge Off which is not communicated properly and contains errors regarding payment history. 
Law : FCRA Section 609 and Section 611 entitle a consumer to a full disclosure and the right to dispute such derogatory marks.

Story : This accounts status is incorrectly listed as Charge Off, which does not represent the real history of my account nor any correspondence received. This has caused me significant damage as potential lenders are denying my credit applications. I request reinvestigation and necessary rectification. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Issue : Late Payment mentioned while records do not reflect notified default or valid communication. 
Law : Per FCRA Section 611 and Equal Credit Opportunity Act, I must not be discriminated against for reporting errors. 
Story : On reviewing my records, I never received any proper late payment notification and this false reporting is damaging my score. Kindly provide documented evidence or remove this from my report. 

XXXX XXXX * High Balance : {$500.00} Date Opened : XX/XX/XXXX Issue : Charge Off record without verifiable proof or proper communication. 
Law : FCRA demands all debt information must be supported with proper verification.

Story : My financial record shows no such charge off and no such correspondence or proof. This error is unfairly defaming my credit. Please ensure fast correction. 

XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$1200.00} Date Opened : XX/XX/XXXX Issue : Duplicate/Incorrect Collection reporting. 
Law : Each derogatory entry must be unique, justified and verified under FCRA. 
Story : This may be a duplicate entry or an error. Unnecessary duplication is reducing my credit rating and must be resolved immediately. 

RESURGERECVE XXXX * XXXX XXXX : {$620.00} Date Opened : XX/XX/XXXX Issue : Collection entry improper, insufficient documentation and no notification provided.

Law : Every individual has the legal right to proper notice and documentation of debts claimed under his/her profile.

Story : The continued presence of this unverifiable collection is affecting my ability to secure loans and needs to be deleted. 

XXXX XX/XX/XXXX Issue : Unauthorized or incorrect inquiry impacting my score. 
XXXX : FCRA mandates that only authorized and relevant inquiries be included in a consumers report. 
Story : I did not apply or authorize any inquiry by XXXX XXXX XXXX this damages my credit standing and privacy. Kindly remove this inquiry. 

XXXX XXXX XX/XX/XXXX Issue : Hard inquiry without my knowledge or consent. 
Law : The FCRA empowers me to dispute unrecognized inquiries. 
Story : I am severely affected by such unauthorized inquiries ; these must be removed so my report remains accurate. 

XXXX XXXXXX/XX/XXXX Issue : XXXX appears without my knowledge. 
XXXX : FCRA allows the consumer to contest any inquiry not properly authorized. 
Story : I was not notified or informed about any credit check by XXXX, so this should be eliminated from my report. 

XXXX XXXXXXXX XX/XX/XXXX Issue : Repeat inquiry without consent. 
XXXX : FCRA requires all inquiries to be justified and consented to. 
Story : As no credit was applied for, this hard inquiry is damaging and must be removed. 

XXXX XXXX XX/XX/XXXX Issue : XXXXnquiry added without my application.

Law : Right provided under FCRA to dispute unauthorized inquiries. 
Story : My privacy and credit status is harmed by such baseless checksplease delete. 

I respectfully demand the deletion or correction of all the above items within 30 days as required by law. Failure to comply will result in filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), FTC, and possibly seeking legal remedies for willful noncompliance.

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