Consumer complaint received 2025-11-09 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: LA

Complaint narrative:
I am filing this formal complaint regarding multiple inaccuracies being reported on my credit file by various furnishers and credit reporting agencies. These false and damaging entries are severely affecting my credit profile and must be investigated immediately. 

XXXX. Wrong Addresses Reported The following addresses are incorrectly listed in my credit file. I have no connection or residence history with these addresses, and their inclusion is a violation of the Fair Credit Reporting Act ( FCRA ) XXXX ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of information : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX, LA XXXX Wrong Address I am requesting immediate removal of these false addresses from my credit report. 

XXXX. Inaccurate Account Information Below are accounts being reported with incorrect and harmful information. 

KLARNA ( Account # XXXXXXXX XXXX XXXX ) * * Date Opened : XX/XX/XXXX High Credit : {$100.00} Reported Status : Late Payment I have never made any late payments on this account. The reported payment history is inaccurate and must be corrected immediately to reflect an on-time payment record. 

XXXX ( Account # XXXXXXXX XXXX XXXX ) * * Date Opened : XX/XX/XXXX High Credit : {$28000.00} Reported Status : Charge-Off I have no knowledge of this account and never authorized or opened any account with this creditor. This account should be deleted immediately from my credit report as it appears to be either fraudulent or an error. 

XXXX ( XXXX XXXX : XXXX XXXX Bank XXXX. ) ( Account # XXXXXXXX XXXX XXXX  ) * * Date Opened : XX/XX/XXXX High Credit : {$610.00} Reported Status : Collection I have no knowledge of this account and have never held or authorized any account with XXXX XXXX Bank or Resurgerecve. This collection account must be removed immediately. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ( Account # XXXXXXXX XXXX XXXX ) * * Date Opened : XX/XX/XXXX High Credit : {$7800.00} Reported Status : Collection I have no knowledge of this account and have never authorized any such account with Santander or XXXX. I am requesting its complete deletion from all credit reports. 

XXXX XXXX ( Account # XXXXXXXX XXXX XXXX ) * * Date Opened : XX/XX/XXXX High Credit : {$34.00} Reported Status : Charge-Off I have no knowledge of this account and demand its immediate deletion from my credit profile as this is clearly inaccurate and potentially fraudulent. 

XXXX. Unverified Credit Inquiries The following credit inquiries were made without my authorization and constitute a violation of my rights under the FCRA : XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX These inquiries should be investigated and removed as they were made without my consent. 

Requested Action I respectfully request that the CFPB conduct a full investigation into these errors and ensure that : All wrong addresses are permanently removed. 

The inaccurate late payment entry is corrected to show an on-time history. 

All charge-off and collection accounts I have no knowledge of are deleted in full. 

All unauthorized inquiries are removed. 

These inaccuracies violate multiple provisions of the FCRA, including XXXX ( b ) and XXXX, which require furnishers and credit bureaus to ensure accuracy and correct or delete any unverifiable information. 

I am requesting that the CFPB require all relevant parties to provide documentation verifying the accuracy of these accounts. If they can not verify, the entries must be deleted immediately. 

Thank you for your prompt attention to this serious matter. I expect a written confirmation of investigation and resolution.

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