Consumer complaint received 2025-11-08 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: NJ

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and unverifiable items reported on my credit report by various creditors. These errors have caused significant harm to my creditworthiness, financial reputation, and personal well-being. Despite my efforts to resolve these issues directly with the credit bureaus, the inaccuracies persist. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX Wrong Address This address is not associated with me in any manner. Reporting an incorrect address is a direct violation of FCRA Section 1681e ( b ) which mandates accurate personal information. The inclusion of this erroneous address is misleading and may cause confusion with other accounts, exposing me to identity-related issues. I request immediate correction or removal of this address from my credit report. 
XXXX XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$3600.00} Charge Off I have no knowledge of this account. The reporting of a charge-off for an account I never opened constitutes inaccurate and potentially fraudulent information. FCRA Section 1681i requires that unverifiable information be deleted promptly. I demand that this account be thoroughly investigated and permanently removed unless verifiable documentation proves my liability. 
XXXX XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$3600.00} Charge Off This account is being reported as a charge-off without my authorization or any acknowledgment from me. I categorically deny any responsibility for this debt. Reporting such unverifiable debts is a direct violation of FCRA and can be construed as reckless reporting under 15 U.S.C. 1681s-2 ( b ). I request immediate deletion of this account from my credit report. 
XXXX XXXX  XXXX Open Date : XX/XX/XXXX High Credit : {$0.00} Late Payment I have never been late on payments for this account. Reporting this account as late is demonstrably inaccurate and violates FCRA Section 1681i. I request correction of the payment history to reflect accurate, on-time payments. Continuing to report inaccurate late payments can cause unjust financial harm and constitutes negligent reporting. 
XXXX Inquiry : XX/XX/XXXX I did not authorize this inquiry. Any unauthorized inquiries are a violation of FCRA Sections 604 ( a ) ( 3 ) and 1681b. I request removal of this inquiry immediately from my report. 
XXXX XXXX Inquiry : XX/XX/XXXX This inquiry is unauthorized and does not reflect any credit application made by me. FCRA mandates that all inquiries must be authorized by the consumer. I request its immediate deletion from my credit file. 
I am seeking the following resolution : XXXX. Immediate deletion of accounts I did not authorize ( XXXX XXXX XXXX XXXX XXXX XXXX ). 
XXXX. Correction of inaccurate late payment reporting on XXXX XXXX  XXXX. 
XXXX. Removal of all unauthorized inquiries ( XXXX, XXXX XXXX ). 
XXXX. Correction or deletion of incorrect address ( XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX ). 
The continued reporting of inaccurate, unverifiable, and unauthorized items has caused undue stress and financial harm. I request CFPB intervention to ensure compliance with FCRA and to hold the responsible parties accountable. I expect a written response detailing the actions taken to resolve these complaints.

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