Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute numerous inaccuracies on my credit report that have been reported in error and are negatively affecting my creditworthiness. I have reviewed my credit files thoroughly and identified several addresses, accounts, and inquiries that are incorrect, incomplete, or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ), I am entitled to have these items reinvestigated and corrected or deleted. I request a complete reinvestigation of all disputed items listed below, with verification of accuracy from the original furnishers. 
Addresses XXXX XXXX XXXX  XXXX, TX XXXX Wrong Address This address is not associated with me and is inaccurately reported on my credit file. Section 611 ( a ) of the FCRA requires all reported information to be accurate and complete. Reporting this incorrect address misrepresents my residence history and impacts my credit evaluation. I request its immediate deletion. 
XXXX XXXX XXXX  XXXX, TX XXXX Wrong Address This address is inaccurately listed. Under Section XXXX ( a ) of the FCRA, credit bureaus must ensure accuracy in reporting. False address reporting misrepresents my history and harms my creditworthiness. I request correction or deletion. 
Accounts XXXX XXXXXXXXXXXX XXXX XXXX High Balance : {$2700.00} Date Opened : XX/XX/XXXX Chargeoff XXXX XXXX  Reported inaccurately. Section 611 ( a ) FCRA mandates verification of disputed accounts. False chargeoffs misrepresent my payment behavior and lower my credit score. I request removal. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Chargeoff XXXX XXXX Inaccurately reported. Section 611 ( a ) FCRA requires reinvestigation. Misreporting this chargeoff harms my creditworthiness. I dispute and request deletion. 
XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$680.00} Date Opened : XX/XX/XXXX Chargeoff XXXX XXXX  This account is reported incorrectly. FCRA Section 611 ( a ) mandates verification of all disputed accounts. False reporting negatively affects my credit profile. I request correction or removal. 
XXXX XXXX9XXXX XXXX XXXX XXXX  High Balance : {$260.00} Date Opened : XX/XX/XXXX Chargeoff XXXX XXXX  Inaccurate reporting. Section 611 ( a ) requires verification. False chargeoffs mislead lenders and damage my credit reputation. I dispute this item and request deletion. 
XXXX XXXX XXXX High Balance : {$1800.00} Date Opened : XX/XX/XXXX Chargeoff XXXX XXXX  This account is inaccurately reported as a chargeoff. Under FCRA Section 611 ( a ), I request verification from the original creditor. Misreporting this account falsely portrays my payment history, negatively affecting my creditworthiness and causing potential denial of credit. I dispute this item and demand removal or correction. 
XXXX XXXX XXXX  XXXX XXXX : {$420.00} Date Opened : XX/XX/XXXX Chargeoff XXXX XXXX This account is reported in error. Section 611 ( a ) FCRA mandates verification of all disputed items. Reporting an incorrect chargeoff misleads lenders and harms my credit profile. I request immediate deletion. 
XXXX XXXXXXXX XXXX  XXXX XXXX : {$680.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX This account is inaccurately reported. FCRA Section 611 ( a ) requires reinvestigation of disputed information. False chargeoffs misrepresent my financial responsibility and adversely affect my credit score. I dispute and request correction. 
XXXXXXXX XXXX XXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX  Reported erroneously. FCRA Section 611 ( a ) requires verification. XXXX misleads lenders and damages my credit profile. I dispute this item. 
XXXXXXXX XXXX XXXXXXXXXXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Inaccurate collection. Section 611 ( a ) FCRA mandates verification. False reporting impacts creditworthiness. I request correction or deletion. 
XXXXXXXX XXXX XXXX XXXX  High Balance : {$420.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX  Reported incorrectly. Section 611 ( a ) FCRA requires reinvestigation. Misreported collections mislead creditors and harm my credit. I dispute and demand removal. 
XXXX XXXX XXXXXXXX XXXX High Balance : {$850.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX Incorrect reporting. Section 611 ( a ) FCRA mandates verification. XXXX misrepresents my financial responsibility. I request deletion. 
XXXX XXXXXXXX XXXX  XXXX XXXX : {$680.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Reported in error. FCRA Section 611 ( a ) requires verification. False collection information harms my credit profile. I dispute this item. 
XXXX XXXX XXXX XXXX : {$2300.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX This account is inaccurately reported. Section 611 ( a ) FCRA mandates reinvestigation. Misreported collections negatively impact my creditworthiness. I request deletion. 
XXXX XXXX XXXX XXXX High Balance : {$120.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX  Reported erroneously. Section 611 ( a ) FCRA requires verification. False reporting misrepresents my credit history. I dispute and request correction. 
Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry was made without my authorization. FCRA Section 604 ( a ) requires permissible purpose. I dispute this inquiry and request removal. 
XXXX XX/XX/XXXX Inquiry Unauthorized inquiry. Section 604 ( a ) FCRA requires verification of purpose. I request deletion. 
XXXX XXXX XX/XX/XXXX Inquiry Made without my consent. Section 604 ( a ) FCRA mandates permissible purpose. I dispute and request removal. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Unauthorized. Section 604 ( a ) FCRA requires verification. I request deletion. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Unauthorized. Section 604 ( a ) FCRA mandates verification of purpose. I dispute and request removal. 
XXXX XXXXXX/XX/XXXX Inquiry Unauthorized. FCRA Section 604 ( a ) requires permissible purpose. I request deletion. 
XXXX XXXX XX/XX/XXXX Inquiry Unauthorized inquiry. Section 604 ( a ) FCRA requires verification of purpose. I dispute and request removal. 
All items listed above are inaccurate or unverifiable, and their continued reporting falsely portrays my credit behavior, causing significant harm to my financial reputation. I demand immediate reinvestigation, correction, or deletion of all disputed items in accordance with the Fair Credit Reporting Act. Failure to comply may result in further action to protect my rights. My creditworthiness must be restored accurately and fairly without any lingering negative reporting. 

Sincerely, XXXX XXXX XXXX

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