Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
I am submitting this formal complaint against multiple creditors, debt collectors, and credit reporting agencies for reporting inaccurate, unverifiable, and misleading information on my credit reports in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and other applicable laws.

The following items are factually incorrect, not mine, outdated, or unverifiable : Incorrect Personal Information / Wrong Addresses XXXX XXXX, XXXX XXXX, CA XXXX Wrong Address XXXX XXXX, XXXX XXXX, CA XXXX Wrong Address These addresses are not associated with me, and their continued presence creates the false impression that I have lived at locations I never occupied. 

Accounts Reported Inaccurately/ In Violation of FCRA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX XXXX XXXX  Charge Off XXXX XXXXXXXX XXXX XXXX XXXX  Charge Off XXXX XXXX XXXXXXXX XXXX XXXX  Charge Off XXXX XXXXXXXX XXXX XXXX  Charge Off XXXX XXXX XXXXXXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXXXXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Late Payment XXXX XXXXXXXX XXXX XXXX Charge Off XXXX XXXX  ( multiple accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Collections CAVALRY PORT XXXX * * Collection Issues with these accounts include : Reporting charge-offs and collections beyond the legally permissible time limit. 

Duplicate and re-aged XXXX XXXX accounts designed to damage my credit profile. 

Late payments reported inaccurately and without proper validation. 

Failure to provide original signed contracts or proof of debt ownership when disputed. 

Unauthorized / Questionable Inquiries XXXX XXXX XX/XX/XXXX XXXX Auto XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX I did not authorize these inquiries, and they were made without my consent, violating my rights under the FCRA. 

My Request for Immediate Action Investigate and remove all wrong addresses from my credit profile.

Delete all accounts that are inaccurate, unverifiable, or reported beyond the statute of limitations. 

Remove all duplicate and re-aged collection accounts reported by XXXX XXXX and XXXX. 

Delete all unauthorized inquiries immediately. 

Require all creditors and collectors to provide full validation of debt including original signed contracts, chain of custody of the account, and compliance with FDCPA. 

Violation of Rights By continuing to report unverifiable and inaccurate information, these furnishers and credit reporting agencies are in direct violation of the FCRA ( 15 U.S.C. 1681s-2 ), as well as the FDCPA ( 15 U.S.C. 1692e, 1692f ) regarding misleading and unfair reporting. These practices are causing me significant financial harm, including denial of credit and increased costs of borrowing.

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