Consumer complaint received 2025-11-23 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: TX

Complaint narrative:
I am submitting this complaint because several items appearing on my credit reports are inaccurate, unauthorized, and in violation of the Fair Credit Reporting Act ( FCRA ). These errors are severely impacting my creditworthiness and must be investigated immediately. 

XXXX. Inaccurate & Fraudulent Addresses Reported The following addresses do not belong to me and have never been associated with me. Reporting incorrect addresses is a violation of FCRA 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy : XXXX XXXX XXXX XXXX XXXX  Wrong Address XXXX XXXX XXXX, XXXX, TX XXXX Wrong Address These fraudulent addresses indicate possible mixed files or identity misuse. I demand an investigation and immediate removal of these addresses from all my credit reports. 

XXXX. Incorrect Late Payments ( I Never Paid Late ) The following accounts are reporting late payments that are false, inaccurate, and not backed by any verified proof. Under FCRA 611 and 609 ( a ), furnishers must provide documented evidence. 

I never made a late payment on these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These late payments must be corrected immediately because they are harming my credit and violating FCRA accuracy standards. 

3. Charge-Off & Collection Accounts I Have No Knowledge of These Accounts The following accounts are reporting as charge-offs or collections. I have no knowledge of these accounts, did not authorize them, and have never received any validation. Under FDCPA 809 ( a ) and FCRA 611, unvalidated and inaccurate accounts must be removed. 

Please delete the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts appear to be fraudulent or misattributed. Since I have no knowledge of them, they must be deleted immediately if the furnishers can not provide full validation, including signed contracts, complete payment histories, and proof of ownership. 

XXXX. Hard Inquiries Without My Authorization The following inquiries were performed without my permission, in violation of FCRA 604 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize these inquiries. They must be removed immediately. 

Requested Action from CFPB I am requesting that the CFPB : Investigate all inaccurate addresses, as they are not mine. 

Correct the false late payment reporting on XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Delete all charge-off and collection accounts that I have no knowledge of. 

Remove all unauthorized inquiries. 

Ensure all furnishers provide full, legally required documentation, or delete the items. 

Require the credit bureaus to comply with FCRA 607 ( b ) and maintain maximum accuracy. 

These errors are significantly damaging my credit profile and financial stability. I request immediate investigation and resolution. 

Thank you for your attention.

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