Consumer complaint received 2025-11-06 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:
I am submitting this complaint regarding multiple inaccuracies on my credit report, which have caused significant harm to my creditworthiness. Despite my efforts to resolve these matters with the respective creditors and reporting agencies, the errors persist. I request your immediate intervention to ensure these inaccuracies are corrected or deleted as required under the Fair Credit Reporting Act ( FCRA ). 

Disputed Items and Reasons : 1. Incorrect Address Reporting XXXXXXXX XXXX XXXX  TX XXXX XXXX XXXXXXXX XXXX TX XXXX These addresses have never been associated with me. Their presence on my credit report is inaccurate and misleading. I demand that all reporting agencies immediately remove these addresses. 

2. Late Payments ( Accounts I Dispute ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never made late payments on these accounts. The reporting of late payments is false and violates my rights under the FCRA. I demand these inaccuracies be corrected to reflect my true payment history. 

3. Charge-Offs ( Accounts I Dispute or Do Not Recognize ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have no knowledge of these accounts or disputes their validity. I demand immediate deletion from my credit report. 

4. Collection Accounts ( Accounts I Dispute or Do Not Recognize ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have no knowledge of these collection accounts. Their reporting is inaccurate, and I demand deletion from all credit reporting agencies immediately. 

Requested Resolution : Immediate investigation of all disputed accounts and addresses. 

Correction or deletion of any inaccurate reporting, including late payments, charge-offs, collections, and addresses. 

Written confirmation of the actions taken to resolve these disputes. 

I expect a timely resolution in compliance with the FCRA. The presence of these errors continues to cause severe harm to my creditworthiness and financial standing.

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