Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
Dear CFPB Officer, I am filing this complaint to formally report several inaccurate, unverifiable, and unauthorized entries on my credit report. Despite previous efforts to resolve these issues with the credit bureaus and creditors, the false reporting continues, severely damaging my credit and causing emotional and financial harm. Below I have outlined the wrong addresses, account issues, and unauthorized hard inquiries that violate my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
WRONG ADDRESSES XXXX XXXX XXXX XXXXXXXX, FL XXXX Issue : This address is not mine and should not be listed on my credit profile Law : FCRA 1681e ( b ) Credit bureaus must maintain maximum possible accuracy Story : I have never resided at this location or had any financial connection to it. Its presence may be due to data merging or misreporting, and it poses a risk of identity fraud. I respectfully demand that this be removed from all credit reports. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Issue : This address is not associated with me and was reported in error Law : FCRA 611 and 602 Consumers have the right to dispute and remove incorrect personal info Story : I have no history, residence, or account associated with this location. It is incorrectly placed in my file, potentially due to creditor error or ID theft. It is harmful and must be deleted immediately. 
ACCOUNTS WITH LATE PAYMENTS, CHARGE-OFFS, OR COLLECTIONS XXXX XXXX XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$2000.00} * * Issue : Late payment reporting is inaccurate Law : FCRA 1681s-2 ( b ) Furnishers must correct and investigate disputes Story : I made every effort to resolve this account on time, and any late payment notation is either incorrect or based on outdated reporting. I have never received formal validation or breakdown of the delay. 
XXXX XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} * * Issue : Account closed but shows late payment Law : FCRA 1681c Outdated, closed, and XXXX balance accounts must not contain derogatory data Story : This card was paid off years ago, and late payment reporting long after closure is erroneous and legally questionable. I request its removal. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$1300.00} * * Issue : Late payment misreported Law : FCRA 1681i Inaccurate entries must be corrected after dispute Story : I was not properly notified of any delinquency, and the payment history shows inconsistencies. I dispute the late reporting and demand removal. 
XXXX XXXX XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$13000.00} * * Issue : Charged off while active dispute was ongoing Law : FCRA 623 Furnishers must ensure the accuracy and completeness of information Story : I was actively disputing and resolving a billing error when this charge-off was posted. This is unfair and improper handling of an account under dispute. 
XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$200.00} * * Issue : Reported without proper debt validation Law : FDCPA 809 ( b ) Consumer has right to request debt validation Story : I requested proof of this debt and never received validation. Reporting it is illegal without verification. 
XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} * * Issue : Reported as a collection despite XXXX balance Law : FCRA 1681c ( a ) ( 5 ) Zero-balance negative entries must be suppressed Story : This collection account has no debt. It is misleading to report it as derogatory. Please delete it from all reports. 
UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Inquiries not initiated or authorized by me Law : FCRA 604 ( a ) ( 3 ) Credit report access must have a permissible purpose Story : I never applied for credit with many of these companies. Some may be the result of ID theft or soft pulls being misreported as hard inquiries. Please investigate and remove those without my written consent.

SUMMARY & RELIEF REQUESTED I respectfully request the CFPB to investigate the above disputes and ensure that the credit bureaus and furnishers comply with federal laws. I am asking for : 1. Immediate removal of all inaccurate addresses 2. Correction or deletion of the disputed accounts and false late payments 3. Removal of all unauthorized inquiries 4. A full investigation and written explanation from each bureau and creditor This situation has caused me serious financial stress, credit denials, and personal hardship. I am exercising my legal rights and request your assistance in getting these matters resolved.

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