Consumer complaint received 2025-09-26 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: CA

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit report that have severely impacted my financial standing and personal reputation. I request immediate investigation, correction, and deletion where applicable under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and related federal statutes. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address This address is also falsely associated with my identity. I have no connection to this residence, and its appearance on my report constitutes fraudulent or negligent reporting. Immediate correction or removal is required under FCRA 1681e ( b ), which mandates reasonable procedures to ensure maximum possible accuracy. 
XXXX XXXX High Balance {$1000.00} Opened XX/XX/XXXX Late Payment : This account shows late payments that I have never made. I have always paid my bills on time and have no knowledge of this account. Reporting a late payment for an account I did not open is a direct violation of FCRA Section 609 ( a ) ( 1 ) and Section 623 ( a ) ( 1 ). The incorrect reporting has caused me unnecessary stress, affected my credit score, and hindered my ability to obtain loans. I demand that this accounts payment history be corrected immediately to accurately reflect that I have no late payments. 
XXXX XXXX High Balance {$590.00} Opened XX/XX/XXXX Chargeoff : I have never applied for or used this account. Its reporting as a charge-off is fraudulent and misleading. This inaccurate information has caused me emotional distress and could negatively impact employment and housing opportunities. Under FCRA Section 611 ( a ), I request that this account be deleted from my credit report immediately. 
XXXX XXXX XXXX XXXX High Balance {$890.00} Opened XX/XX/XXXX Chargeoff : * * This account does not belong to me, and I have never authorized any transactions. The charge-off status falsely portrays me as delinquent. According to FDCPA Section 809, I am not responsible for any debts associated with accounts I did not open. I request the account be deleted and any associated collections be removed. 
XXXX XXXX XXXX XXXX High Balance {$1600.00} Opened XX/XX/XXXX Chargeoff : This account is entirely unknown to me. I have never received credit, statements, or notices for this account. Reporting it as a charge-off without verification is a violation of FCRA and has caused harm to my reputation and financial standing. I demand full deletion. 
XXXX XXXX High Balance {$1700.00} Opened XX/XX/XXXX Chargeoff : I have never opened or used this account. Its presence on my credit report is damaging my creditworthiness and is completely inaccurate. I request immediate removal and written confirmation of deletion. 
XXXX XXXX  XXXX High Balance {$10000.00} Opened XX/XX/XXXX Chargeoff : This account is fraudulent. I have no knowledge of it and never received any credit or loans from this institution. Its reporting as a charge-off is unlawful and violates my rights under FCRA Section 611 ( a ) and FDCPA Section 809. I demand its deletion and correction of my credit report.

XXXX, XXXX XXXX High Balance {$2200.00} Opened XX/XX/XXXX Chargeoff : I have never opened or authorized this account. Reporting it as a charge-off has caused financial harm and stress. Under the law, I am entitled to have this account removed immediately from my credit file. 
XXXX XXXX High Balance {$380.00} Opened XX/XX/XXXX Chargeoff : I have no knowledge of this account and never applied for or received credit from XXXX. Reporting this account as a charge-off is fraudulent and violates my rights under FCRA Section 611 ( a ) and FDCPA Section 809. The false reporting has caused financial stress and may negatively impact my ability to secure loans. I demand immediate deletion of this account from my credit report. 
XXXX  XXXX High Balance {$8000.00} Opened XX/XX/XXXX Chargeoff : This account is entirely unknown to me. I did not authorize it, nor have I received any services or loans from XXXX. Its reporting as a charge-off is inaccurate and has caused significant harm to my creditworthiness. I request its immediate removal under FCRA and FDCPA. 
XXXX  XXXX High Balance {$1600.00} Opened XX/XX/XXXX Collection : I have no relationship with XXXX, and this account does not belong to me. Its presence on my credit report as a collection is fraudulent and violates FCRA Section 611 ( a ). I request full deletion of this account and any related collection entries.

Regarding unauthorized inquiries, I did not authorize the following hard inquiries and request investigation and removal under FCRA Section 604 ( a ) : XXXX XXXX XX/XX/XXXX This inquiry was made without my consent and is negatively affecting my credit report. 
XXXX XX/XX/XXXX I never applied for credit with this institution ; the inquiry is unauthorized. 
XXXX XXXX XX/XX/XXXX ( two entries ) These inquiries are inaccurate and were not authorized by me. 
XXXX XX/XX/XXXX This inquiry is inaccurate and must be deleted. 
The repeated reporting of inaccurate addresses, late payments, and unknown chargeoff accounts demonstrates negligence and failure to comply with federal credit reporting standards. I request that CFPB enforce my rights and ensure that these inaccuracies are fully corrected or deleted. I expect a formal response within the timelines mandated by federal law. Failure to act will leave me no choice but to pursue legal remedies.

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 explanation