Consumer complaint received 2025-11-01 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: SC

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies and unverifiable information being reported on my credit files by the credit reporting agencies. These errors are negatively impacting my credit profile and financial standing. Despite my prior disputes, these issues have not been properly corrected or investigated in compliance with the Fair Credit Reporting Act ( FCRA ). 

Below are the specific inaccuracies I am disputing : 1. Wrong Addresses Reported : XXXX XXXX XXXX, XXXX, SC XXXX P.O. Box XXXX, XXXX, SC XXXX These addresses are incorrect and have no verified connection to me. The credit bureaus have failed to remove them after prior disputes, which raises serious concerns about data accuracy and proper reinvestigation procedures under Section 611 of the FCRA.

2. Unverified and Inaccurate Account Information : XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$850.00} | Status : Charge-Off I have no knowledge of this account. This reporting appears to be a case of mistaken identity or inaccurate data furnishing. I request a full investigation and immediate deletion if the furnisher can not provide verified documentation bearing my authentic signature and agreement details. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX | Balance : {$41000.00} | Status : Late Payment The late payment history reported is completely inaccurate. I have never made a late payment on this account. This false reporting constitutes a violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishing information known to be inaccurate. I demand that the account payment history be corrected immediately to reflect timely payments. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) * * Date Opened : XX/XX/XXXX | Balance : {$6200.00} | Status : Charge-Off I have no knowledge of this account and have never authorized or maintained such an account with XXXX XXXX XXXX XXXX XXXX The furnisher must provide full documentation verifying this accounts legitimacy. If they can not validate with proper evidence, it must be deleted from all credit files. 

XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  * * Date Opened : XX/XX/XXXX | Balance : {$340.00} | Status : Charge-Off I have no knowledge of this account being charged off, and the information furnished appears to be incorrect and misleading. I request a full verification process and deletion if validation can not be proven with legally sufficient records.

3. Bankruptcy Reporting : U.S. Bankruptcy Court Reference # XXXX Date Filed/Reported : XX/XX/XXXX This bankruptcy record is being reported inaccurately and without proper verification. I have no record or filing of such a bankruptcy. The reporting of a false public record violates FCRA 607 ( b ) as it fails to ensure maximum possible accuracy. I demand its immediate removal unless the furnisher can produce official court-certified documentation verifying its authenticity. 

These ongoing errors reflect a serious failure in compliance by the credit reporting agencies and the data furnishers. The FCRA mandates accuracy, proper investigation, and timely correction of disputed information all of which have not been met in this case. 

I am requesting the CFPBs assistance in ensuring these issues are investigated thoroughly and corrected immediately. Specifically, I am requesting : Immediate reinvestigation of all disputed items. 

Deletion or correction of any unverifiable or inaccurate information. 

Written confirmation of the outcome and updated credit reports. 

I appreciate your attention to this matter and your continued efforts to protect consumer rights under 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