Consumer complaint received 2025-08-19 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 submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 
ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Law/Issue : Under FCRA 15 USC 1681i and 1681e ( b ), credit bureaus must report only accurate and verifiable information. This address is not associated with me, is incorrect, and must be deleted. 
Story : I have never lived at, rented, owned, or received mail at this address. Associating me with this location is misleading and creates confusion in my file. Wrong addresses make it appear as if I have connections or accounts tied to places I have never been, which increases the chance of identity theft or inaccurate reporting. This address must be deleted immediately. 

ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX Law/Issue : FCRA 1681i requires consumer reporting agencies to reinvestigate disputed information, and 1681e ( b ) requires maximum possible accuracy. This address is inaccurate. 
Story : This is not and has never been my residence. Including this address on my report damages the integrity of my personal identifying information and may connect me to accounts that are not mine. Inaccurate addresses open the door to mixed files and fraudulent reporting. This address must be removed without delay. 

ACCOUNT XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$8900.00} Late Payment Law/Issue : Under FCRA 1681s-2 and 1681e ( b ), furnishers and bureaus must ensure accuracy. Reporting late payments that can not be verified violates my rights. 
Story : I dispute the late payments being reported. I have no verifiable documentation showing that I was late as claimed. Reporting unverifiable late payments harms my payment history, lowers my score, and affects my ability to secure credit and housing. Unless the creditor provides exact dates and signed records proving I was late, this information must be deleted. 

ACCOUNT XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$1500.00} Chargeoff Law/Issue : FCRA 1681i and 1681e ( b ) require accurate reporting. A charge-off reported in error or without full verification is a violation. 
Story : I do not agree with the charge-off status being reported. This reporting makes it appear as if I failed to meet obligations when no proper documentation has been provided. Without original signed agreements and a full payment history, the account can not be verified. False charge-off reporting is severely damaging and must be deleted immediately. 

ACCOUNT XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$270.00} Chargeoff Law/Issue : Under FCRA 1681i, I have the right to dispute unverifiable charge-off accounts. Reporting unverifiable information is prohibited.

Story : This account appears to be duplicated or incorrectly reported. A small balance charge-off like this raises questions about accuracy, and I have no record of owing this debt. Duplicate or inaccurate reporting creates unfair harm to my file. Unless you can provide original proof from the creditor, this account must be deleted. 

ACCOUNT XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4900.00} Chargeoff Law/Issue : FCRA 1681e ( b ) requires accuracy, and 1681i requires deletion if unverifiable. Reporting inaccurate charge-off accounts is not allowed. 
Story : I strongly dispute this charge-off. The balance and status are not supported with proper evidence, and no original documentation has been provided. This negative mark falsely portrays me as irresponsible and damages my creditworthiness with lenders, landlords, and employers. Without concrete proof, this charge-off must be deleted. 

ACCOUNT XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$5100.00} Chargeoff Law/Issue : Under FCRA 1681s-2 and 1681i, furnishers must report complete and accurate information and bureaus must reinvestigate disputes. 
Story : I do not recognize this account. I have no knowledge of owing XXXX XXXX  XXXX this amount, and I have never received statements or legal proof of responsibility. Reporting this unverified account places me at risk of mixed-file reporting or identity theft. Unless full verification is supplied, this charge-off must be removed from my credit report. 

ACCOUNT XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$2900.00} Chargeoff Law/Issue : FCRA 1681i requires deletion of unverifiable items. Reporting unverifiable charge-offs violates consumer rights. 
Story : I dispute this charge-off as inaccurate and unverifiable. The reporting creates the appearance that I defaulted, but no signed contracts, payment histories, or written validation have been provided to prove this claim. Unverified charge-off accounts unfairly harm my credit and must be deleted if they can not be fully proven. 

I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

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