Consumer complaint received 2025-08-15 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: PA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies, unauthorized items, and reporting violations on my consumer credit report. These items are causing significant harm to my creditworthiness, financial opportunities, and overall reputation. I am requesting a thorough investigation, deletion of all inaccurate data, and immediate compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable laws. The credit bureaus and furnishers are legally obligated to ensure the maximum possible accuracy of the information they report, yet these items remain despite prior disputes and clear evidence of inaccuracy, non-verification, or improper reporting. Below I am listing each disputed item with specific legal violations and supporting explanation for removal. 
ADDRESS XXXX XXXX XXXXXXXX, XXXX XXXXXXXX Law : FCRA 607 ( B ) You must follow reasonable procedures to assure maximum possible accuracy of the information in my file Issue : This address is inaccurate and does not belong to me ; it is linked to accounts and activity not associated with me Story : I have never resided at this address, received mail here, or used it on any applications. Its presence on my report creates confusion and risks misassociation with another consumers credit activity ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX Law : FCRA 607 ( B ) Obligation to ensure maximum possible accuracy Issue : Inaccurate residential history tied to another individual Story : This location does not reflect my residence at any time. Keeping this address creates a misleading credit profile and affects matching accuracy for my legitimate accounts ACCOUNT XXXX  XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} Chargeoff * Law : FCRA 611 Duty to reinvestigate disputed information ; FCRA 609 ( A ) ( 1 ) Right to all information in file Issue : This account is reporting a charge-off with a {$0.00} balance, which is contradictory and suggests inaccuracy Story : I have no record of this debt, and the {$0.00} balance indicates no current obligation. A charge-off can not lawfully remain if the balance is {$0.00} with no legal debt owed. This is misleading and harms my creditworthiness I am demanding the immediate deletion of all inaccurate addresses, unverifiable accounts, and unauthorized inquiries listed above. The credit bureaus and furnishers have failed to provide proper documentation despite their legal obligations under FCRA and FDCPA. If they can not produce original signed contracts, complete payment records, or proof of permissible purpose for each inquiry, these items must be deleted. These inaccuracies are causing me severe harm, including denial of credit, higher interest rates, and reputational damage. I request the CFPB to take enforcement action to ensure compliance and hold the reporting agencies and furnishers accountable.

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 explanation