Consumer complaint received 2025-11-06 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 submitting this formal complaint regarding multiple inaccuracies being reported on my credit file by several financial institutions. These inaccuracies include wrong personal addresses, charge-off accounts that I have no knowledge of, and incorrect account information that is harming my credit reputation.

1. Wrong Addresses The following addresses are incorrect and should not appear on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never lived at or been associated with these addresses, and their appearance on my credit report raises serious concerns of identity confusion or data misreporting.

2. Unauthorized Charge-Off Accounts The following accounts are being reported as charge-offs, yet I have no knowledge of or relationship with these accounts : XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1200.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$3700.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$4500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$6500.00} Date Opened : XX/XX/XXXX I have no knowledge or record of ever opening or authorizing any of these accounts. These entries are false, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ) 602A, which requires accurate and verifiable reporting.

3. Incorrect Late Payment Reporting The following account is being reported with late payment history, which is inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$32000.00} Date Opened : XX/XX/XXXX I have never made a late payment on this account, and this false notation negatively impacts my creditworthiness.

4. Questionable Inquiries Additionally, the following inquiries appear on my report, which I did not authorize : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request that these inquiries be investigated and removed if found to be unauthorized.

Requested Actions I respectfully request the CFPB to : Conduct a full investigation into these inaccurate reports.

Require the furnishers and credit bureaus to provide verifiable documentation proving my association with each reported account or address.

Permanently delete all unverifiable or inaccurate information from my credit report.

Ensure full compliance with FCRA, specifically 604, 609, and 611, regarding accuracy, verification, and dispute resolution.

These inaccuracies have caused significant distress and damage to my credit standing. I request a thorough investigation and written confirmation of the results.

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution.

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