Consumer complaint received 2025-11-22 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: NY

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate, unverifiable, and misleading items being reported on my consumer credit file. These errors are causing significant harm to my credit, financial opportunities, and personal records. I am requesting your urgent intervention to force the reporting entities and credit bureaus to comply with the Fair Credit Reporting Act ( FCRA ). 

1. WRONG ADDRESS REPORTING The following address being reported on my credit file is completely incorrect and I have never lived at, used, or been associated with this address : XXXX XXXX XXXX XXXX, XX/XX/XXXX, NY XXXX WRONG ADDRESS This inaccurate address must be removed immediately, as it compromises my identity and creates the risk of mixed-file reporting. 

2. LATE PAYMENT STATUS INACCURATE REPORTING The following accounts are reporting late payments that are 100 % incorrect. 
I have never missed a payment on these accounts, and the payment history is being reported inaccurately in violation of FCRA 1681e ( b ) : XXXX XXXX High Balance : {$70.00} Opened : XX/XX/XXXX False Late Payment XX/XX/XXXX XXXX High Balance : {$720.00} Opened : XX/XX/XXXX False Late Payment XX/XX/XXXX XXXXXX/XX/XXXX XXXX High Balance : {$28000.00} Opened : XX/XX/XXXX False Late Payment These creditors must provide verifiable proof of late payments. 
Until validated, these inaccurate derogatory marks must be corrected and the payment history updated to reflect Never XXXX. 

3. CHARGE-OFF ACCOUNT I HAVE NO KNOWLEDGE OF THIS ACCOUNT The following charge-off account does not belong to me, and I have no knowledge or association with it : XX/XX/XXXX XXXX High Balance : {$2300.00} Opened : XX/XX/XXXX Charge Off Under FCRA 609 & 611, I am requesting full validation, including : Signed original application Complete payment history Ownership documentation If the furnisher can not validate, this account must be deleted immediately. 

4. UNAUTHORIZED / EXCESS CREDIT INQUIRIES The following hard inquiries were made without my permission, and I did not authorize any of these companies to access my credit report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( duplicate ) XX/XX/XXXX T XX/XX/XXXX These companies must provide proof of permissible purpose. 
If they can not, all unauthorized inquiries must be immediately removed. 

REQUEST FOR CFPB ACTION I am requesting the CFPB to : Require the credit bureaus and data furnishers to investigate and correct these errors. 

Remove the wrong address immediately. 

Correct all inaccurate late payment reports since I have never been late. 

Delete the unverifiable and unauthorized charge-off account. 

Remove all unauthorized inquiries that do not have permissible purpose. 

These inaccuracies violate the Fair Credit Reporting Act, and I am requesting full enforcement to ensure compliance. 

Thank you for your attention and assistance.

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