Consumer complaint received 2025-11-01 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 against several credit reporting agencies and furnishers for reporting multiple inaccurate, unverified, and false items on my credit reports. These errors have severely damaged my creditworthiness, caused emotional distress, and violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. Wrong Address Reporting The address XXXX XXXX XXXX, XXXX, NJ XXXX is being incorrectly reported as my current or previous address. This address is inaccurate, and I have no connection or residency history at this location. I am demanding its immediate deletion from my credit profile. 

XXXX. Charge-Off and Collection Accounts with No Knowledge or Verification The following accounts are being reported as charge-offs or collections. I have no knowledge or relationship with these accounts, and none of them have been properly verified with legally valid documentation as required by the FCRA. These are erroneous and must be deleted immediately from my credit reports : XXXX  XXXX XXXX High Balance {$4600.00} Opened XX/XX/XXXX XXXX XXXX High Balance {$3000.00} Opened XX/XX/XXXX XXXX CARD XXXX High Balance {$8800.00} Opened XX/XX/XXXX XXXX  XXXX High Balance {$20000.00} Opened XX/XX/XXXX XXXX XXXX High Balance {$3800.00} Opened XX/XX/XXXX XXXX OF XXXX XXXX High Balance {$2500.00} Opened XX/XX/XXXX XXXX  XXXX XXXX Balance {$6400.00} Opened XX/XX/XXXX XXXX XXXX High Balance {$930.00} Opened XX/XX/XXXX XXXX XXXX XXXX High Balance {$1000.00} Opened XX/XX/XXXX XXXX XXXX High Balance {$1400.00} Opened XX/XX/XXXX XXXX XXXX High Balance {$1500.00} Opened XX/XX/XXXX XXXX XXXX  XXXX High Balance {$1100.00} Opened XX/XX/XXXX XXXX CARD XXXX High Balance {$4400.00} Opened XX/XX/XXXX XXXX  XXXX High Balance {$9600.00} Opened XX/XX/XXXX XXXX  XXXX XXXX High Balance {$8400.00} Opened XX/XX/XXXX XXXX XXXX High Balance {$6600.00} Opened XX/XX/XXXX XXXX  XXXX High Balance {$4300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX High Balance {$550.00} Opened XX/XX/XXXX XXXX XXXX High Balance {$2200.00} Opened XX/XX/XXXX XXXX XXXX High Balance {$5700.00} Opened XX/XX/XXXX XXXX XXXX XXXX High Balance {$32000.00} Opened XX/XX/XXXX XXXX FIN SVC XXXX High Balance {$5500.00} Opened XX/XX/XXXX XXXX XXXX High Balance {$23000.00} Opened XX/XX/XXXX XXXX XXXX High Balance {$580.00} Opened XX/XX/XXXX XXXX  XXXX High Balance {$18000.00} Opened XX/XX/XXXX XXXX FIN SVC XXXX High Balance {$47000.00} Opened XX/XX/XXXX XXXX XXXX High Balance {$2700.00} Opened XX/XX/XXXX XXXX  XXXX High Balance {$940.00} Opened XX/XX/XXXX ( Collection ) XXXX XXXX  XXXX High Balance {$570.00} Opened XX/XX/XXXX ( Collection ) XXXX XXXX XXXX High Balance {$1400.00} Opened XX/XX/XXXX ( Collection ) These accounts are unverified, inaccurate, and invalid. I have no recollection or proof of any contractual relationship with these furnishers. I am requesting that the CFPB direct the bureaus and furnishers to immediately delete all such accounts from my reports. 

XXXX. Late Payment Reporting Error XX/XX/XXXX XXXX High Balance {$470.00} Opened XX/XX/XXXX is showing a Late Payment. 
This reporting is completely false because I have never made any late payments on this or any other account. I am requesting a full investigation and correction of this inaccurate reporting. 

XXXX. Unverified Hard Inquiries The following inquiries appear on my credit report, but I did not authorize or initiate them : XXXX ( XX/XX/XXXX ) XXXX NATL XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX CHR ( XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) Each of these inquiries was made without my knowledge or consent, which violates FCRA XXXX ( a ) ( XXXX ) XXXX I am demanding their immediate removal. 

Requested Resolution I am requesting that the CFPB : Conduct a full investigation into these furnishers and credit reporting agencies for FCRA and FDCPA violations. 

Require deletion of all unverified charge-off and collection accounts. 

Correct or delete the false late payment entry. 

Remove the unauthorized inquiries. 

Ensure that the wrong address is permanently deleted. 

These inaccuracies are causing ongoing harm to my financial reputation, ability to secure credit, and emotional well-being. I am attaching copies of my identification and supporting documents to verify my identity. 

I respectfully request that the CFPB hold these furnishers and bureaus accountable and ensure that my credit reports are corrected immediately. 

Thank you for your attention and prompt action.

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