Consumer complaint received 2025-12-09 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 filing a formal complaint regarding multiple inaccurate, unauthorized, and unverifiable items reporting on my credit file. These errors violate the Fair Credit Reporting Act ( FCRA ), specifically 602A, 604, 606, 607, 609, 611, and 623. 

The following information is appearing on my credit reports without my authorization or is being reported inaccurately. I am requesting an immediate investigation. 

XXXX. WRONG / INACCURATE ADDRESSES ( NOT MINE ) The following addresses do not belong to me and must be removed as they indicate possible identity issues : XXXX XXXX XXXX XXXX, GA XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX, GA XXXX Wrong Address These inaccurate addresses expose me to identity-related risks and violate FCRA 607 ( b ). 

XXXX. CHARGE-OFF ACCOUNTS I HAVE NO KNOWLEDGE OF THESE ACCOUNTS ( REQUEST DELETION ) Per FCRA 609 ( a ) ( 1 ) ( A ), I request full documentation proving I opened or authorized these accounts. 
I have NO knowledge of these accounts, and they must be deleted if they can not be verified with original, signed contracts. 

XXXX XXXX  XXXX Charge Off XXXX XXXX  XXXX Charge Off XXXX XXXX  XXXX Charge Off These accounts do NOT belong to me, and I dispute them entirely. 

XXXX. COLLECTION ACCOUNTS I HAVE NO KNOWLEDGE OF THESE ACCOUNTS ( REQUEST DELETION ) XXXX XXXX XXXX Collection XXXX  XXXX XXXX Collection I have never opened, authorized, or been notified of these debts. 
I request complete validation including : original signed contracts, itemized statements, chain of custody, and proof of ownership. 
If the furnishers can not provide these documents, these accounts must be immediately deleted. 

XXXX. LATE PAYMENT REPORTING FALSE & INACCURATE ( CORRECTION REQUESTED, NOT DELETION ) I have never made a late payment on the following accounts. 
The reported late payments are false, damaging, and must be corrected per FCRA 623 ( a ) : XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX  XXXX Late Payment XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX  XXXX Late Payment XXXX XXXX XXXX XXXX  XXXX Late Payment These accounts require immediate correction of the payment history as the information being reported is inaccurate. 

XXXX. UNAUTHORIZED / SUSPICIOUS HARD INQUIRIES I did not authorize the following inquiries. Under FCRA 604, furnishers must have permissible purpose : XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX If the furnishers can not show a written application or permissible purpose, these inquiries must be removed immediately. 

REQUESTED ACTION FROM CFPB I am requesting that the CFPB require the credit bureaus and furnishers to : Delete all unauthorized charge-offs and collection accounts I have no knowledge of. 

Correct all false late payments reporting on legitimate accounts. 

Remove all incorrect addresses from my credit file. 

Remove unauthorized hard inquiries lacking permissible purpose. 

Provide me with full documentation, including original signed contracts and verification materials. 

These errors are impacting my creditworthiness, employment opportunities, housing, and financial stability. 

CERTIFICATION I certify that the information provided is true to the best of my knowledge. 
I request full investigation and written confirmation of results.

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