Consumer complaint received 2025-11-13 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: OH

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies and unauthorized items appearing on my credit reports. These errors are seriously damaging my credit reputation and violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

1. Wrong and Unfamiliar Addresses The following addresses are being falsely reported as associated with me. I have no knowledge or connection to these locations : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX, XXXX, GA XXXX These addresses must be immediately removed from all my credit reports, as they are inaccurate and misleading. 

XXXX. Inaccurate XXXX XXXX Accounts The following accounts are being reported with late payments. These are completely false, as I have never made any late payments on any legitimate account. I am requesting a full reinvestigation and correction of the payment history to reflect an accurate, on-time record : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$67000.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$54000.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$91.00} These inaccuracies are causing unjust harm to my credit profile. I demand immediate correction of these false payment histories. 

3. Charge-Off and Collection Accounts No Knowledge The following accounts are being reported as charge-offs. I have no knowledge of ever opening or authorizing any of these accounts. Therefore, they appear to be fraudulent or incorrectly attributed to me. I request their complete deletion from my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$610.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1500.00} FIRST XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$490.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$5200.00} These accounts were not opened, authorized, or recognized by me. They are highly suspicious and damaging, and I request full deletion and documentation of the investigation results. 

XXXX. Excessive or Unauthorized Inquiries The following recent credit inquiries appear on my credit report without my authorization or legitimate purpose : 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 XXXXXX/XX/XXXX These inquiries were not authorized by me, nor were any corresponding applications initiated. I request that these be investigated and permanently removed if found to be unauthorized. 

Requested Action I am requesting the CFPB to conduct a full investigation into these matters and require the credit reporting agencies and furnishers involved to : Delete all unrecognized and unauthorized charge-off accounts. 

Correct all false late payment histories. 

Remove all inaccurate addresses and unauthorized inquiries. 

Provide me with written confirmation of all corrections and deletions. 

These inaccuracies violate the FCRAs requirements for maximum possible accuracy and proper investigation. I demand immediate correction, as these issues are seriously harming my credit standing and financial well-being. 

Thank you for your time and attention. I expect a detailed written response and confirmation of compliance.

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