Consumer complaint received 2025-11-20 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: NY

Complaint narrative:
I am filing this formal complaint regarding multiple inaccurate, unverified, and fraudulent items being reported on my credit file. These items violate the Fair Credit Reporting Act ( FCRA ), including but not limited to 602 ( A ), 604, 609, 611, and 623. I am requesting a full investigation and immediate corrective action.

1. Wrong / Fraudulent Addresses Reporting The following addresses are not mine, have never been associated with me, and must not appear on my credit file : XXXX XXXX XXXX XXXXXXXX, FL XXXX Wrong Address XXXX XXXX XXXX XXXX, UT XXXX Wrong Address These inaccurate addresses expose me to identity theft. I request that the CFPB require the bureaus to delete these immediately. 

2. Charge-Off & Collection Accounts I Have No Knowledge of These Accounts Per my rights under FCRA 609 and 611, I am disputing the following accounts as unrecognized and unverified.

I do NOT have any knowledge of these accounts, never opened them, and never authorized them.

I request complete deletion for failure to verify ownership : XXXX XXXX XXXX  Acct ending XXXX High Balance : {$2600.00} Opened XX/XX/XXXX Charge-Off No knowledge of this account ; request deletion. 

XXXX Acct ending XXXX XXXX XXXX : {$2200.00} Opened XX/XX/XXXX XXXX XXXX knowledge ; request deletion. 

XXXX XXXX Acct ending XXXX High Balance : {$600.00} Opened XX/XX/XXXX Collection I have no knowledge ; request deletion. 

XXXX Funding Acct ending XXXX High Balance : {$610.00} Opened XX/XX/XXXX Collection I do not recognize this account ; request deletion. 

These furnishers have failed to validate ownership, contract, wet-ink signature, or payment history as required. 
Unverified accounts must be deleted. 

XXXX. Late Payment Account Inaccurate History The following account is reporting false late payments : XXXX XXXX / XXXX Acct ending XXXX High Balance : {$11000.00} Opened XX/XX/XXXX I have NEVER made a late payment on this account. 
The reporting is inaccurate and must be corrected to show a perfect payment history. 

This violates FCRA 623 ( a ) ( 1 ) ( A ) requiring accurate reporting.

4. Unauthorized Hard Inquiry XXXX XXXXXXXX XXXX Inquiry dated XX/XX/XXXX I did not authorize this inquiry. 
I request removal for violation of FCRA 604 ( permissible purpose requirement ).

REQUESTED ACTIONS I request that the CFPB ensure the credit bureaus and furnishers : Delete all wrong addresses listed above.

Delete all unverified charge-off and collection accounts that I have no knowledge of. 

Correct the inaccurate late payment reported by XXXX XXXX. 

Remove the unauthorized XXXX XXXX XXXXXXXX XXXXnquiry.

Provide written confirmation of completed actions.

Conclusion These errors have caused severe harm to my creditworthiness, financial opportunities, and personal security.

I respectfully request the CFPBs immediate intervention to enforce compliance with federal law.

Thank you for your time and assistance.

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