Consumer complaint received 2025-07-25 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 filing this formal complaint against the credit bureaus and furnishers for knowingly reporting false, inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. and the Fair Debt Collection Practices Act ( FDCPA ). These violations are directly causing me credit denials, job loss, mental stress, and financial hardship. The items below are harming my life and must be investigated and removed. 
XXXX XXXX XXXX XXXX, FL XXXX Issue : Wrong Address Law : FCRA 607 ( b ), 605 ( b ), 611 ( a ) ( 1 ) Story : I have never lived at this address nor had any financial, employment, or residential ties to it. Its presence on my report is false and misleading. It is causing serious identity confusion, linking me to debts and accounts that are not mine. This violates my privacy and harms my credibility. It may have originated from a third-party data entry error or mixed file, which under FCRA 607 ( b ) makes the CRA liable for failing to ensure maximum possible accuracy. I demand its immediate deletion.

XXXX XXXX XXXX XXXX XXXX, FL XXXX Issue : Wrong Address Law : FCRA 611 ( a ), 605 ( b ) Story : This address is unfamiliar and has no connection to my life or credit activity. It may be tied to collection entries on my report, further damaging my score. Reporting this address without verification is a violation of FCRA, and it is contributing to inaccurate data being used to judge my creditworthiness. Please remove it immediately to prevent further harm. 
XXXX XXXXXXXX XXXX XXXX Issue : Charge Off Law : FCRA 609 ( a ) ( 1 ), FDCPA 809 ( b ) Story : This account was charged off without any verifiable documentation being presented to me. I never received proper validation or notice. This is in clear violation of my right to debt validation under FDCPA. Its continued reporting without proof is harming my housing and employment opportunities. I demand that you delete this unless fully validated. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Charge Off Law : FCRA 623 ( a ) ( 1 ) ( A ), FDCPA 809 ( b ) Story : I never agreed to default on this account, nor was I sent proper notices of charge-off. Attempts to verify this with the original creditor have failed. This has affected my ability to rent an apartment and get a car loan. Under FCRA, this entry must be removed unless verified in writing. 
XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge Off Law : FDCPA 809 ( b ), FCRA 611 ( a ) ( 1 ) ( A ) Story : This account was falsely reported as a charge-off without my knowledge. It was likely reported based on third-party error. The original contract and transaction records have never been shown to me despite multiple requests. Delete this entry for being unverifiable and inaccurate. 
XXXX  XXXX XXXX XXXX XXXX XXXX Issue : Charge Off Law : FCRA 623 ( a ) ( 1 ) ( A ) Story : This is inaccurately reported. The balance is listed as {$0.00} but still marked charge-off, which is contradictory and misleading. If theres no active balance, it can not remain reported as delinquent. This must be corrected or deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Collection Law : FDCPA 809 ( b ), FCRA 611 ( a ) ( 5 ) Story : This debt has never been validated. I requested proof in writing but received nothing. Continued reporting without verifying violates the law. It is ruining my credit score and personal finances. Remove this immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Charge Off Law : FCRA 607 ( b ) Story : This account was settled years ago and should no longer be listed as charged off. Continued reporting in this status is false, outdated, and harmful. I am entitled to fair and accurate reporting. Please remove or correct this. REQUEST TO CFPB : I am requesting the CFPB to launch an i
mmediate investigation into the credit bureaus and furnishers listed above for repeated and willful violations of my rights. I have attached a detailed summary of each item along with supporting facts. These issues are blocking me from housing, loans, and job opportunities. If this continues, I will pursue legal action under FCRA 616 & 617.

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