Consumer complaint received 2025-09-22 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 filing this formal complaint regarding inaccurate, incomplete, and unlawfully reported information on my consumer credit reports. These violations are causing serious harm to my creditworthiness, my ability to obtain housing, and my financial stability. The following accounts and items are being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

1. Wrong Address Reporting XXXX XXXX XXXX, SC XXXX This address is not, and has never been, associated with me. Reporting inaccurate addresses constitutes a violation of FCRA 607 ( b ) which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. 

2. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Mortgage Account ) XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$260000.00} Issue : Inaccurate Late Payment Reporting This account is inaccurately reported with alleged late payments. I have never been delinquent, and these derogatory marks are being reported without proper validation. This violates FCRA 609 ( a ) ( failure to provide proof of accuracy upon request ) and FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing information known to be inaccurate ). 

3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Charge-Off Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Improper Charge-Off Reporting This account reflects a charge-off despite showing a XXXX balance. Continuing to report a derogatory status on an account with no outstanding balance is misleading and violates FCRA 607 ( b ). 

4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Charge-Off Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} Issue : Unverified and Misleading Reporting This account is being reported as a charge-off without proper validation. Reporting unverifiable debts is prohibited under FCRA 609 ( a ) and constitutes a deceptive practice under FDCPA 807 ( 8 ). 

5. XXXX XXXX XXXX ( Collection Account ) XXXX Date Opened : XX/XX/XXXX High Balance : {$1500.00} Issue : Improper Collection Reporting This account is being reported as a collection without providing proper validation. Under FDCPA 809 ( b ), debt collectors must provide verification of the alleged debt upon request. Failure to do so while continuing to report to the credit bureaus is unlawful. 

6. XXXX XXXX ( Hard Inquiry ) Date : XX/XX/XXXX Issue : Unauthorized Inquiry This inquiry was made without my written consent or permissible purpose. Under FCRA 604 ( a ), a consumer reporting agency may only furnish a credit report for specific, permissible purposes. Reporting unauthorized inquiries is a clear violation. 

Requested Resolution : I demand the immediate deletion and correction of all inaccurate, unverifiable, and unlawfully reported information listed above from all consumer reporting agencies XXXX XXXXXXXX XXXX and TransUnion ). I also request that CFPB take enforcement action to ensure these furnishers and credit bureaus comply with federal law.

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