Consumer complaint received 2025-12-01 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: NJ

Complaint narrative:
I am submitting this complaint regarding numerous inaccuracies on my credit report. I have no knowledge of some accounts listed, and other entries reflect false information, including charge-offs, late payments, and incorrect addresses. These reporting errors violate the Fair Credit Reporting Act ( FCRA ) Sections 1681i, 1681e ( b ), 1681k, and 15 U.S.C. 1692 applicable to accurate reporting. I request that CFPB direct a thorough investigation and corrective action for each item listed below. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX I have never lived at or been associated with this address at any point. This incorrect address violates FCRA 1681e ( b ) because it shows failure to maintain accurate identifying information and it has caused confusion in prior disputes and verifications. I request immediate deletion of this address from my credit file. 

XXXX XXXX XXXX, NJ XXXX This address is also not mine and has no connection to me. Reporting a wrong address violates FCRA accuracy requirements and creates the appearance of identity-mixing. I request removal of this address from my credit report immediately. 

XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$220.00} Chargeoff I have no knowledge of this charge-off account and have never opened or authorized this account. Reporting a charge-off that does not belong to me violates FCRA 1681e ( b ) and 1681i because no proper verification has ever been provided. This account is harming my credit unfairly and must be deleted. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Late Payment The late payment history reported on this account is inaccurate because I have never been late on any payment. Inaccurate payment reporting violates FCRA 1681e ( b ) and shows failure to ensure maximum possible accuracy. I request that all late payments be corrected to reflect an on-time history. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment This account is showing late payments that are incorrect. I have always maintained on-time payments and this inaccurate reporting violates FCRA accuracy requirements. I request that all late payments be corrected to show a perfect payment history. 

XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff I have no knowledge of this charge-off account. I have never opened or authorized this account and no verification has been provided. Reporting an account belonging to someone else violates FCRA 1681e ( b ) and 1681i. This account must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$230.00} Collection I do not recognize this collection account and have never authorized any account that matches this information. Reporting a collection that is not mine violates FCRA accuracy requirements. I request immediate deletion of this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$290.00} Collection I have no knowledge of this collection and have never opened any account related to this listing. This is a violation of FCRA 1681e ( b ) due to lack of accuracy. I request immediate deletion of this item. 

I request CFPB to ensure all disputed items are properly reinvestigated and that all inaccurate information, including charge-offs, late payments, and addresses, are corrected or removed from my credit report. Continued reporting of these errors constitutes violations of the FCRA, and I insist on immediate remedial action.

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