Consumer complaint received 2025-08-22 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: MD

Complaint narrative:
Dear TransUnion, This is my second formal dispute regarding several inaccuracies and unverifiable items on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information you report is accurate, complete, and verifiable. Below, I have listed each item in dispute with detailed context. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Issue : Incorrect address being reported. 
Law : FCRA 607 ( b ) requires consumer reporting agencies to maintain reasonable procedures to assure maximum possible accuracy.

Story : I have never lived at this address, nor do I have any connection to it. Its presence on my report is misleading and increases the risk of identity confusion. I request its immediate removal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Issue : Incorrect address being reported. 
Law : FCRA 611 ( a ) gives me the right to dispute inaccurate information, and the bureau must delete unverifiable items. 
Story : I have no association with this address. It was likely added due to a clerical error or incorrect data matching. Please remove it to ensure accuracy. 

XXXX XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Issue : Late payment is inaccurate and unverifiable. 
Law : FCRA 611 ( a ) and 609 ( a ) ( 1 ) entitle me to accurate reporting and disclosure of verification sources. 
Story : This account shows a late payment that I dispute. I made all payments on time, and no supporting documentation has been provided to validate this claim. Please remove this derogatory mark. 

XXXX XXXX XXXX XXXX XXXX  ( Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Issue : Inaccurate late payment reporting. 
Law : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate.

Story : This late payment entry is unverified. I request written proof of its accuracy. If you can not provide proper documentation, it must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Issue : Late payment reporting error. 
Law : FCRA 611 ( a ) requires reinvestigation of disputed items, and unverifiable entries must be deleted.

Story : I dispute this late payment because I have documentation showing my payments were current. Please remove this derogatory information. 

XXXX XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Issue : Incorrect charge-off status. 
Law : FCRA 607 ( b ) mandates maximum possible accuracy.

Story : This account is inaccurately listed as charged off. No valid evidence has been provided to prove this status. I request verification or removal of this entry. 

XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX XXXX XXXX  ( Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Issue : Unverified collection account. 
Law : FCRA 611 ( a ) gives me the right to dispute unverifiable information.

Story : I never received validation of this collection. Without proper documentation from the original creditor, this account should not be reported. Please remove it. 

XXXX XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Issue : Charge-off status is inaccurate. 
Law : FCRA 609 ( a ) ( 1 ) grants me the right to request the sources of information used in reporting.

Story : This charge-off is being reported incorrectly. I request proof of its validity, including payment history and charge-off documentation. If you can not provide this, remove it. 

XXXX XXXX XXXX XXXX XXXX XXXX  ( Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Issue : Improper charge-off reporting. 
Law : FCRA 623 ( a ) ( 1 ) ( B ) requires furnishers to correct and update inaccurate information.

Story : I dispute the accuracy of this charge-off. The reporting is misleading and has not been verified. I request immediate correction or deletion.

Requested Action : Please reinvestigate these items and provide documentation verifying their accuracy. If you can not verify them, they must be deleted from my credit file under FCRA guidelines. 

Thank you for your prompt attention.

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