Consumer complaint received 2025-06-25 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:
To Whom It May Concern, I am writing to file a formal complaint concerning multiple inaccurate and potentially unlawful entries being reported on my credit report by various furnishers and credit reporting agencies. These inaccuracies include incorrect account statuses, erroneous addresses, and unauthorized credit inquiries, all of which have negatively impacted my creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws, I am entitled to accurate and verified information on my credit report. The reporting entities and credit bureaus have failed to meet these legal obligations, and I request immediate investigation and correction of the following items : Incorrect Address Reported XXXX XXXX XXXX, XXXX, SC, XXXX This address is incorrectly listed on my credit report. I have never lived at or been associated with this address. Reporting such an address is not only inaccurate but also a violation of : FCRA 602 ( A ) : Ensures accuracy and fairness in credit reporting.

FCRA 607 ( b ) : Mandates agencies to follow reasonable procedures to assure maximum possible accuracy. 
Inaccurate Accounts and FCRA Violations XXXX. XXXX XXXX Account Number : XXXX High Balance : {$320.00} Open Date : XX/XX/XXXX Status : Charge Off Issue : This account is being inaccurately reported and is listed as a charge-off without sufficient validation or verification. I have not received any notice of validation from the creditor nor was I properly informed. 
Violations : FCRA 611 ( 15 U.S. Code 1681i ) Failure to conduct a reasonable reinvestigation.

FCRA 623 ( 15 U.S. Code 1681s-2 ) Furnishing inaccurate information after being notified of dispute.

FDCPA 809 ( 15 U.S. Code 1692g ) Failure to validate debt upon request. 
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX High Balance : {$0.00} Open Date : XX/XX/XXXX Status : Charge Off Issue : This account reports a high balance of {$0.00} yet is marked as a charge-off. This is contradictory and misleading. It raises concerns about data accuracy and completeness. 
Violations : FCRA 607 ( b ) Failure to ensure maximum possible accuracy.

FCRA 623 Reporting data with misleading or missing details.

FCRA 611 Lack of proper reinvestigation following my prior disputes. 
XXXX. XXXX XXXX XXXX Account Number : XXXX High Balance : {$0.00} Open Date : XX/XX/XXXX Status : Charge Off Issue : This is another duplicate or potentially fraudulent entry for the same company with conflicting open dates and balances. This duplication is misleading and damaging. 
Violations : FCRA 605 ( c ) Re-aging of accounts beyond reporting limits.

FCRA 607 ( b ) Failure to maintain accurate and updated information.

FCRA 611 Failure to properly investigate after dispute. 
Unauthorized or XXXX XXXX Inquiries XXXX. XXXX XX/XX/XXXX ( XXXX Inquiries ) Issue : These XXXX hard inquiries were made without my express permission or a permissible purpose. 
Violations : FCRA 604 ( a ) ( 3 ) Permissible purpose for pulling a credit report.

FCRA 607 ( a ) Reporting agencies must ensure that users of reports have a permissible purpose. 
XXXX. XXXX XXXX XX/XX/XXXX Issue : I do not recognize this inquiry, and I never authorized this entity to access my credit profile. 
Violations : FCRA 604 ( a ) Lack of permissible purpose.

FCRA 616 & 617 Civil liability for willful or negligent noncompliance. 
Conclusion & Requested Relief These items have caused undue harm to my credit profile, including denials of credit and emotional distress. I have previously attempted to dispute these items directly with the credit reporting agencies, and they have failed to take appropriate corrective action as required by law. 
I am requesting the CFPB to investigate the following : Immediate removal of the incorrect address.

Full deletion of all accounts and inquiries listed above due to failure to validate and verify.

Enforcement of civil penalties for the willful noncompliance and negligence in handling my consumer report.

Please consider this a formal complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and take immediate action. 
Request for Action : Conduct a thorough investigation of all the above disputed accounts and inquiries.

Remove or correct all inaccurate, outdated, or unverifiable information in compliance with FCRA 611.

Provide me with updated credit reports reflecting corrections. 
Cease any further reporting of inaccurate data. 
Confirm in writing your resolution of this complaint within the legally mandated timeframe. 
Failure to comply with federal laws protecting consumers credit information not only harms my financial wellbeing but also constitutes a violation subject to regulatory enforcement. 
Please treat this matter with urgency. 
Thank you for your prompt attention to these serious concerns. 
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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