Consumer complaint received 2025-08-21 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: IN

Complaint narrative:
I am submitting this complaint regarding numerous inaccuracies and unauthorized entries on my credit report that have caused significant financial and personal harm. These entries include wrong addresses, falsely reported charge-offs, and unauthorized inquiries. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumers have the right to dispute inaccurate information and require credit reporting agencies and furnishers to correct or remove information that can not be verified. These repeated violations demonstrate negligence, disregard for consumer rights, and a direct threat to my creditworthiness. Immediate correction and investigation are demanded. 
XXXX XXXX XXXX High Balance : {$17000.00} Date Opened : XX/XX/XXXX Issue : Charge-off Law : FCRA 1681s-2 ( b ) Duty of furnishers to correct and update information they find to be inaccurate.

Story : This account has been inaccurately reported as a charge-off. I have attempted to resolve this directly, but no correction has been made. Misreporting a charge-off harms my credit score, my ability to obtain credit, and creates undue financial stress. This constitutes a clear violation of the FCRA, as the furnisher failed to verify the accuracy of the information prior to reporting it. 
XXXX XXXXXXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Issue : Charge-off Law : FCRA 1681e ( b ), 1681i ( a ) Accuracy and dispute rights Story : I never authorized or agreed to any action that would result in a charge-off on this account. The reporting of this debt is false, misleading, and damaging. It demonstrates either a failure to investigate or an outright misrepresentation by the furnisher. This incorrect reporting continues to harm my credit score and impedes my access to financial services. 
XXXX XXXX XXXX High Balance : {$400.00} Date Opened : XX/XX/XXXX Issue : Charge-off Law : FCRA 1681s-2 ( b ) Story : This account has been erroneously labeled as a charge-off, negatively impacting my creditworthiness. Despite my attempts to communicate and resolve the matter, no accurate correction has been made. Such misreporting constitutes a violation of federal law and demonstrates reckless disregard for consumer rights. 
XXXX XXXX XXXX High Balance : {$87000.00} Date Opened : XX/XX/XXXX Issue : Charge-off Law : FCRA 1681s-2 ( b ) Story : I never received proper notice of delinquency or default that would justify a charge-off. Reporting this account incorrectly has placed undue hardship on my financial situation. The furnisher violated federal law by failing to ensure accurate and complete reporting of this account. 
XXXX XXXX XXXX High Balance : {$45000.00} Date Opened : XX/XX/XXXX Issue : Charge-off Law : FCRA 1681e ( b ) Story : This account was reported as a charge-off inaccurately. Such reporting is misleading and harmful. It has caused a substantial decrease in my credit score and has impaired my financial reputation. The furnishers failure to correct this demonstrates noncompliance with federal regulations. 
XXXX XXXX XXXXXXXX High Balance : {$27000.00} Date Opened : XX/XX/XXXX Issue : Charge-off Law : FCRA 1681i ( a ) Right to dispute inaccurate information Story : This account was incorrectly reported as a charge-off. I dispute this as inaccurate, and the continued misreporting violates my rights under the FCRA. Failure to investigate or correct such inaccuracies demonstrates negligence or willful disregard. 
XXXXXXXX XXXX XXXX  XXXX High Balance : {$51000.00} Date Opened : XX/XX/XXXX Issue : Charge-off Law : FCRA 1681s-2 ( b ) Story : Misreporting this account has caused severe damage to my creditworthiness. I have disputed this directly with the furnisher, but no correction has been made. Such negligence continues to affect my financial standing and access to credit.

Closing Statement : The cumulative effect of these incorrect addresses, charge-offs, and unauthorized inquiries has caused substantial damage to my credit, financial stability, and personal well-being. I demand an immediate and thorough investigation, correction, and removal of all inaccuracies under FCRA 1681, 1681i, 1681s-2. Failure to act will leave me no option but to escalate this matter to regulatory authorities and pursue legal remedies. I request written confirmation of all corrective actions taken.

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