Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
I am writing to file a formal complaint against multiple creditors and credit reporting agencies for the continued reporting of inaccurate, incomplete, and unverifiable information on my credit report. Despite my previous efforts to dispute these items directly with the credit bureaus, these inaccuracies remain uncorrected. The information being reported is damaging my creditworthiness and violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Below are the specific issues currently reflected on my credit report : 1. Wrong Personal Addresses ( Inaccurate Personal Information ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This is not and has never been my address. 

XXXX XXXX XXXX XXXX XXXX  MD XXXX This is also not associated with me in any way. 

These addresses are incorrect and must be immediately removed as they suggest identity confusion or mixed file issues. 

2. Inaccurate Account Information ( Late Payments, Charge-Offs, and Collections ) : XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Credit : {$12000.00} Reported Late Payments XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Credit : {$590.00} Reported as Charge-Off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$450.00} Reported as Charge-Off XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Credit : {$1500.00} Reported as Collection XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$630.00} Reported as Collection These accounts contain inaccurate, unverifiable, and outdated information. Several accounts show future or inconsistent dates ( e.g., XXXX openings ), which is factually impossible and proves reporting errors. Additionally, I have not received proper validation or documentation proving these accounts and alleged delinquencies belong to me. Reporting unverifiable accounts is a direct violation of FCRA 611 and 623. 

3. Unwarranted Inquiry : XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry was made without my knowledge or consent, violating FCRA 604 ( a ) ( 3 ). 

Requested Resolution : I respectfully request that the CFPB investigate these matters and hold the relevant credit bureaus and furnishers accountable for these violations. Specifically, I request that : All wrong addresses be permanently deleted from my credit profile. 

All unverified, inaccurate, or incomplete accounts listed above be deleted or corrected immediately. 

The unauthorized inquiry be removed. 

Written confirmation be provided to me once the corrections have been made. 

These reporting errors are causing significant harm to my credit reputation, my ability to obtain housing and employment, and overall financial stability. I am seeking the CFPBs assistance in ensuring my credit file reflects only accurate and verifiable information, as required by federal law.

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