Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
I am submitting this complaint to formally dispute and request investigation into multiple inaccurate, misleading, and unauthorized items being reported on my credit file by various entities. These inaccuracies are severely damaging my credit profile and do not reflect my true financial history. 

1. Wrong Address Reporting XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX This address is not mine and has never been associated with me. Reporting this incorrect address is a clear violation of the Fair Credit Reporting Act ( FCRA ) 602 ( A ), which mandates accurate and verifiable consumer information. I request immediate deletion of this wrong address from all credit bureaus.

2. Charge-Off Accounts I Have No Knowledge Of XXXX Account # : XXXXXXXX XXXX High Balance : {$160000.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXXXXXX XXXX  High Balance : {$24000.00} Date Opened : XX/XX/XXXX I have no knowledge of these accounts and have never had any financial relationship with these entities that would result in a charge-off. Reporting such unverifiable and inaccurate information is a violation of FCRA 623 ( A ) ( 1 ) ( A ). I am demanding these accounts be immediately deleted from my credit reports unless the furnishers can provide full, verifiable proof of ownership bearing my signature and account documentation.

3. Bankruptcy Reporting Error XXXX  XXXX Bankruptcy Reference # : XXXX XXXX Bankruptcy XXXX I request a thorough investigation into this reporting. If the bankruptcy record can not be verified directly with the court or confirmed as filed by me personally, it must be immediately deleted from all credit reporting agencies as required by FCRA 611 ( a ) ( 5 ).

4. Unauthorized Hard Inquiries XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me. Under FCRA 604, a consumers credit file may only be accessed with express written permission or a permissible purpose. Since I never granted such consent, these inquiries must be removed immediately.

Requested Action : I respectfully request that the CFPB require the reporting agencies and furnishers to : Delete the wrong address and all unverified charge-off accounts.

Verify the bankruptcy directly with the court or remove it if unverifiable.

Delete the unauthorized inquiries.

Provide written confirmation of all deletions and corrections made.

I am providing this complaint under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act. These violations have caused harm to my creditworthiness and emotional XXXX  due to inaccurate reporting. 

Please ensure that these matters are properly investigated and that all parties involved provide documented evidence of verification or remove the disputed information immediately. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with non-monetary relief