Consumer complaint received 2025-09-27 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: NJ

Complaint narrative:
I am filing this formal complaint regarding multiple inaccurate and harmful items being reported on my consumer credit profile. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws. My credit report should reflect accurate, complete, and verifiable information, yet the following accounts and records are improperly reported, causing me significant harm and stress. 

First, the address XXXX XXXX XXXX, XXXX, NC, XXXX is being reported on my file. This is not now, nor has it ever been, my personal address. The continued reporting of this wrong address creates confusion, places my identity at risk, and violates the FCRAs requirement under 15 U.S.C. 1681e ( b ) that consumer reporting agencies maintain maximum possible accuracy in credit files. Retaining false identifying information is a clear violation and must be removed immediately. 

Next, XXXX XXXX XXXX is listed with a high balance of {$23000.00} and showing late payments, with an open date of XX/XX/XXXX. I dispute this reporting because the account history is not being reported with full accuracy or proper verification. The FCRA requires furnishers to report accounts completely and accurately. Under 15 U.S.C. 1681s-2, it is unlawful to knowingly furnish inaccurate information. Reporting incomplete or unverifiable late payments is damaging, and I demand a thorough investigation and correction. 

Another concerning account is XXXX XXXX, listed with a balance of {$1800.00}, opened on XX/XX/XXXX, and marked as a charge-off. This reporting is inaccurate and misleading. If this account was charged off, there must be clear verification of the balance, ownership, and accounting. The FDCPA requires that no false or misleading representations be made regarding a debt. Without proper documentation of how this debt was calculated or if it is even legally collectible, reporting it as a charge-off is both unfair and unlawful under federal law. 

Additionally, there is a record of XXXX XXXX inquiries dated XX/XX/XXXX. I never authorized or gave proper written consent for these inquiries. Hard inquiries without consumer consent are a direct violation of the FCRA, which requires permissible purpose under 15 U.S.C. 1681b. The presence of such inquiries not only damages my credit score but also exposes me to further risk of identity misuse. 

Taken together, these errors and violations cause significant harm to me, both financially and personally. The FCRA grants me the right to dispute inaccurate information and have it corrected or deleted after proper investigation. I am demanding that these accounts and entries be fully investigated, verified with supporting documentation, and permanently deleted from my credit report if they can not be 100 % verified as accurate, complete, and lawful. 

I request immediate action to : Remove the wrong address ( XXXX XXXX XXXX, XXXX, NC ). 

Correct or delete the inaccurate reporting from XXXX XXXX XXXX. 

Delete or fully verify the XXXX charge-off. 

Remove the unauthorized XXXX XXXX inquiries. 

If these errors are not corrected promptly, I will escalate this matter and pursue further remedies under the law. I trust the Consumer Financial Protection Bureau will ensure my rights under the FCRA and FDCPA are upheld.

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