Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate, duplicated, and unverifiable items that are being reported on my consumer credit reports in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

These inaccuracies are negatively affecting my credit profile, and despite my attempts to dispute them with the credit bureaus, they remain unresolved. The following issues require immediate investigation and correction : 1. Wrong Address Reporting The following addresses are being falsely reported as associated with me. These addresses are inaccurate and must be deleted immediately : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX. Erroneous & Duplicated Accounts Several accounts are either duplicated, reported incorrectly, or can not be verified. These must be removed in compliance with FCRA 602 ( A ) and 607 ( B ) : XXXX  Acct # XXXX | High Balance : {$670.00} | Opened : XX/XX/XXXX | Charge Off XXXX XXXX  Acct XXXX XXXX | High Balance : {$1400.00} | Opened : XX/XX/XXXX | Charge Off XXXX XXXX  Acct # XXXX | High Balance : {$600.00} | Opened : XX/XX/XXXX | Late Payment XXXX XXXX Acct # XXXX | High Balance : {$14000.00} | Opened : XX/XX/XXXX | Charge Off XXXX XXXX XXXX  Acct # XXXX | High Balance : {$24000.00} | Opened : XX/XX/XXXX | Charge Off DEPTED/XXXX Acct # XXXX ( multiple entries with varying balances & dates : {$3500.00}, {$2000.00}, {$20000.00}, {$29000.00} ) | All show Late Payment but are reported inconsistently and appear as duplicate reporting of the same debt. 

These accounts are being reported multiple times, which artificially inflates my debt profile and damages my creditworthiness. Duplicate or unverifiable reporting is a direct violation of FCRA 609 ( a ) ( 1 ) and 611 ( a ).

3. Improper Inquiry XXXX XXXX XX/XX/XXXX | Inquiry This inquiry was not authorized by me and therefore violates FCRA 604 ( a ) ( 3 ). I demand its removal as it was not permissible under the law.

4. FCRA Violations The continued reporting of wrong addresses, duplicate accounts, unverifiable charge-offs, and unauthorized inquiries constitute serious violations of my consumer rights under the FCRA, including but not limited to : 602 ( A ) : Failure to ensure maximum possible accuracy.

607 ( B ) : Reporting information with no reasonable procedures to ensure accuracy.

609 ( a ) ( 1 ) : Failure to provide proper verification of accounts.

611 ( a ) : Failure to conduct proper reinvestigation of disputed accounts.

604 ( a ) ( 3 ) : Reporting unauthorized inquiries without permissible purpose.

Requested Resolution I respectfully demand that the CFPB require the credit bureaus and data furnishers to : Delete the inaccurate addresses ( XXXX XXXX XXXX, XXXX, TX XXXX and XXXX XXXX XXXX, TX XXXX ). 

Remove all duplicate and unverifiable accounts listed above. 

Delete the unauthorized XXXX XXXX inquiry dated XX/XX/XXXX. 

Provide me with written confirmation that these items have been deleted and that my credit reports are corrected to reflect only accurate, verifiable information.

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