Consumer complaint received 2025-08-05 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: SC

Complaint narrative:
I am writing to formally file a dispute and complaint regarding multiple inaccurate and harmful entries currently reporting on my credit file. These entries have caused me significant distress, lowered my credit score, and obstructed my ability to secure basic financial necessities. I am requesting an immediate reinvestigation and deletion of the accounts listed below, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), particularly 602 ( A ), 607 ( B ), and 611.

First, there are two incorrect addresses reporting on my file : XXXX XXXX, XXXX, SC XXXX XXXX XXXX, XXXX, SC XXXX These addresses are not associated with me, and their presence raises concerns that my report may have been mixed or that identity errors are influencing my profile. Under FCRA 607 ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. These addresses must be removed immediately. 

Next, I would like to address multiple charge-off accounts reporting inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} I have never received proper validation or documentation from these creditors regarding the accuracy or legitimacy of these debts. Under FCRA 611 ( a ), I have the right to dispute any information that is incomplete or inaccurate. Reporting a charge-off with a {$0.00} balance ( such as WORLD FIN ) is misleading and negatively impacts my creditworthiness. Additionally, reporting recently opened accounts as charged off within months shows a failure in proper verification. 

There is also a collection account being reported that I dispute : XXXX | Account Ending : XXXXXXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$1100.00} This account was never communicated to me properly, and I have not received a debt validation letter as required under the FDCPA. Its presence on my credit file without such validation violates both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

Lastly, I noticed unauthorized inquiries on my credit report that I did not initiate or authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX These inquiries are not tied to any credit application or consent on my part and may indicate a misuse of my personal information. As per FCRA 604 ( a ) ( 3 ), a credit bureau is only permitted to release my report if there is a permissible purpose. These inquiries do not meet that requirement.

This letter serves as my formal request under FCRA 611 ( a ) for you to investigate all of the above items. If you can not verify each item with accurate documentation within 30 days, they must be permanently removed from my credit report. Please provide me with the results of your investigation and updated credit file once completed. 

Failure to comply with these obligations may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), and I am fully prepared to pursue that path if this matter is not resolved.

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