Consumer complaint received 2025-12-02 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 regarding multiple inaccurate, unverified, and misleading items being reported on my consumer credit reports. These items violate the FCRA ( Fair Credit Reporting Act ) because the reporting furnishers have failed to ensure accuracy, failed to verify information, and continue reporting accounts I have no knowledge of and addresses that are not mine. I am requesting a full investigation and immediate correction. 

1. Wrong / Fraudulent Addresses Reported The following addresses are completely inaccurate, and I have never lived at or been associated with these locations : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address These false addresses create serious security and identity-theft concerns. I am requesting immediate deletion of these addresses from all credit bureaus. 

2. Charge-Off Accounts I Have No Knowledge of These Accounts These accounts are being reported as Charge Off, yet I do not recognize these accounts, never authorized them, and have no knowledge of any debt associated with them. Under FCRA 602 and 609, furnishers must provide complete verification or delete the accounts. 

XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$7500.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$5000.00} Because I have no knowledge of these accounts, I am requesting full deletion from all credit reports. 

3. Late Payment Accounts The Payment History Is Completely Incorrect The following accounts are reported with late payments, but these late payments are false and inaccurate, as I have never made a late payment on these accounts. This is a violation of FCRA 607 ( b ) requiring maximum accuracy. 

XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$14000.00} I am requesting correction of the inaccurate payment history and removal of any false late-payment notations. 

4. Unauthorized / Suspicious Hard Inquiries The following inquiries were performed without my authorization. I did not apply for credit from these entities, and these inquiries should be removed immediately : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX P XXXX XXXX XX/XX/XXXX Unauthorized inquiries violate FCRA 604 ( a ) ( 3 ). Please delete these inquiries promptly.

Requested Action I request the CFPB to investigate each furnisher and require them to : Provide full verification and documentation for each account, address, and inquiry.

Delete all unverified accounts I have no knowledge of ( Charge Off accounts ).

Correct all inaccurate late-payment information ( Late Payment accounts ).

Remove all wrong addresses from my report.

Remove all unauthorized inquiries listed above.

Provide written confirmation once corrections are completed.

These inaccuracies are causing financial harm and preventing me from obtaining fair credit opportunities. I am requesting immediate action.

Thank you for your attention and assistance.

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