Consumer complaint received 2025-10-20 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 writing to file a formal complaint regarding several inaccurate and misleading items being reported on my consumer credit reports by various furnishers and credit bureaus. These errors are causing significant damage to my creditworthiness and financial standing. Despite multiple verification attempts, the information continues to appear incorrectly. 

Below are the specific inaccuracies I am disputing : Wrong Personal Information Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address Incorrect or Inaccurately Reported Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX} Reported as Late Payment XXXX XXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$2400.00} Reported as Late PaymenXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$2800.00} Reported as Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$250000.00} Reported as Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Reported as Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$250.00} Reported as Late Payment XXXX ( Acct : XXXX ) Date Opened : XX/XX/XXXX Balance : {$3900.00} Reported as Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$3900.00} Reported as Late Payment XXXX Card ( Acct : XXXX ) Date Opened : XX/XX/XXXX Balance : {$3400.00} Reported as Late Payment XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$6300.00} Reported as Charge-Off XXXX XXXX XXXX XXXX ( Acct XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$23000.00} Reported as Charge-Off Unauthorized or Improper Inquiries : XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX These accounts and inquiries appear without proper authorization or accurate reporting, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the Fair Debt Collection Practices Act ( FDCPA ) where applicable.

I am requesting that the CFPB conduct a thorough investigation into these accounts and ensure that : All unverifiable, inaccurate, or unauthorized items are deleted immediately from my credit reports.

All furnishers provide documented proof of account ownership, payment history, and authorization for each inquiry.

The credit bureaus ( XXXX XXXX  and TransUnion ) correct or remove any false information within 30 days as required by law.

These repeated reporting errors have caused financial harm, emotional distress, and credit denials, which directly violate federal consumer protection laws. I demand appropriate corrective action and accountability for non-compliance.

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