Consumer complaint received 2025-10-17 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: IL

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate, misleading, and unverifiable items being reported on my credit file. These errors are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and they are causing me significant financial and reputational harm. 

Despite my repeated efforts to have these inaccuracies corrected, they remain on my reports. I am therefore requesting the CFPBs immediate intervention to investigate and compel the furnishers and credit reporting agencies to permanently delete or correct the following inaccurate entries : 1. Wrong Personal Information XXXX XXXX, XXXX XXXX, XXXX XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address These addresses do not belong to me and should be removed. 

2. Wrong/Unverified Accounts and Negative Reporting XXXX XXXX XXXX XXXX High Balance {$230000.00}, Date Opened XX/XX/XXXX Reported Late Payment ( inaccurate ) XXXX XXXX XXXX High Balance {$4800.00}, Date Opened XX/XX/XXXX Charge Off ( unverified ) XXXX XXXX XXXX XXXX High Balance {$5600.00}, Date Opened XX/XX/XXXX Charge Off ( unverified ) XXXX XXXX XXXX XXXX XXXX  High Balance {$35000.00}, Date Opened XX/XX/XXXX Reported Late Payment ( inaccurate ) XXXX XXXX XXXX High Balance {$49000.00}, Date Opened XX/XX/XXXX Reported Late Payment ( inaccurate ) XXXX XXXX XXXX XXXXXXXX XXXX  High Balance {$39000.00}, Date Opened XX/XX/XXXX Reported Late Payment ( inaccurate ) XXXX XXXX XXXX High Balance {$4100.00}, Date Opened XX/XX/XXXX Reported Late Payment ( duplicate/unverified ) XXXX. Unverified/Improper Collections XXXX XXXX XXXX  High Balance {$2900.00}, Date Opened XX/XX/XXXX Collection ( disputed ) XXXX  XXXXXXXX XXXX High Balance {$2700.00}, Date Opened XX/XX/XXXX Collection ( disputed ) XXXX XXXX XXXX High Balance {$2800.00}, Date Opened XX/XX/XXXX Collection ( disputed ) These collection accounts appear to be duplicative, unverifiable, and potentially re-aged, which violates FCRA reporting standards. 

4. Improper/Unauthorized Inquiries XXXX XXXX XX/XX/XXXX Inquiry ( not authorized ) XXXX XXXX XX/XX/XXXX Inquiry ( not authorized ) I never granted consent for these hard inquiries, and they must be removed. 

Legal Basis for My Complaint Under the FCRA, furnishers and credit reporting agencies are required to : Ensure maximum possible accuracy of reported information ( 1681e ( b ) ).

Properly investigate disputes within 30 days ( 1681i ).

Remove unverifiable, inaccurate, or outdated information ( 1681c ).

Refrain from re-aging or duplicating accounts ( 623 ). 

These reporting failures directly violate federal law and have caused me financial harm by lowering my creditworthiness, increasing borrowing costs, and limiting my access to fair credit opportunities. 

Requested Relief I respectfully request that the CFPB : Investigate these violations and hold the furnishers and credit reporting agencies accountable. 

Compel the permanent deletion of all inaccurate, unverifiable, and duplicative information listed above. 

Ensure that no re-insertion of these disputed accounts occurs without full verification as required by law. 

Provide me with written confirmation of corrective actions taken. 

Conclusion The continued reporting of false, outdated, and unverifiable information constitutes a willful violation of the FCRA. I expect immediate action from your office to ensure my consumer rights are fully protected.

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