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 against multiple furnishers and credit reporting agencies for the reporting of inaccurate, misleading, and unverifiable information on my credit file. These false and damaging items are causing me severe financial and reputational harm. 

The following erroneous entries appear on my credit report : Addresses not associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate/Unverified Accounts and Negative Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Multiple late payments and inconsistent balance reporting ( {$140.00}, {$290.00}, {$270.00} ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as Charge-off with {$710.00} balance, not mine / unverifiable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported as Charge-off with {$0.00} balance ( contradictory and misleading ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$630.00} reported as Charge-off, unverified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} Charge-off, unverified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported as Charge-off with {$0.00} balance ( false reporting ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$68.00} Late Payment, inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} Charge-off, not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} Charge-off, unverified. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1700.00} XXXX XXXX, unverified. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as Charge-off/Late Payment with {$0.00} balances, contradictory and damaging. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$19000.00} Charge-off, unverified. 

XXXX XXXX XXXX XXXX XXXX  Reported as Charge-off with {$0.00} balance, unverified. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Improper & Excessive Inquiries ( potentially unauthorized ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) These accounts contain serious inaccuracies, conflicting balances, and unverifiable claims. Some report charge-offs with {$0.00} balances, which is contradictory and misleading, while others show late payments or collections that are not mine, unverified, or inaccurately dated. Furthermore, the reporting of multiple wrong addresses creates suspicion of mixed files or identity issues.

This reporting is in violation of : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Failure to ensure maximum possible accuracy of consumer reports. 

Fair Debt Collection Practices Act ( FDCPA ) Prohibition against false, deceptive, and misleading representation of debts. 

I am demanding that the CFPB investigate these matters immediately and take enforcement action against the furnishers and credit bureaus involved. Specifically, I request the removal of all unverifiable, inaccurate, and misleading accounts, addresses, and inquiries from my credit file.

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