Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I am filing this formal complaint because several items appearing on my consumer credit reports are inaccurate, unverified, and are causing significant harm to my credit profile. Despite prior attempts to address these issues with the credit bureaus, these errors continue to remain on my reports. I am requesting the CFPBs assistance in ensuring these matters are fully investigated and corrected. 

Below are the disputed items : XXXX. Wrong / Fraudulent Addresses Reporting The following addresses are not mine, and I have never lived at them. 
Their presence indicates possible mixed files, identity errors, or data mishandling : XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX These addresses must be removed immediately for accuracy and consumer safety. 

2. Late Payment Accounts Reporting Incorrect History These accounts are reporting late payments that are completely inaccurate.

I have never made a late payment on these accounts, and the reporting history is false and misleading : XXXX XXXX XXXXXXXX XXXX High Balance : {$320.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX High Balance : {$520.00} Date Opened : XX/XX/XXXX I am requesting full correction of the payment history, as these late payments are factually incorrect. 

XXXX. Charge-Off Accounts I Have No Knowledge Of The following charge-off entries do not belong to me. I have no knowledge of these accounts, have never opened them, and they appear to be the result of reporting errors or identity confusion : XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Because these accounts are unknown to me and unverified, I am requesting complete deletion. 

4. Collection Accounts I Have No Knowledge Of These collection accounts are also not mine, and I have no record or affiliation with them. 
I am requesting deletion, as they have not been verified with any valid documentation : XXXXXXXX XXXX XXXXXXXX High Balance : {$270.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX High Balance : {$91.00} Date Opened : XX/XX/XXXX These must be removed as unverified third-party collections. 

5. Unauthorized / Unfamiliar Hard Inquiry XXXX XXXX XX/XX/XXXX I did not authorize this inquiry, and I have no relationship with this entity. 
I am requesting removal for being unauthorized and harmful to my credit profile. 

Request for CFPB Assistance I respectfully request that the CFPB intervene to ensure the credit bureaus and data furnishers : Conduct a full reinvestigation as required under the FCRA. 

Provide proper documentation proving the accuracy of each disputed item. 

Delete all unverified, inaccurate, and unauthorized information from my credit file. 

Confirm compliance with all FCRA and CFPB reporting guidelines. 

These inaccuracies are causing substantial harm, including credit denial and negative scoring impact. I am requesting immediate correction to restore the accuracy of my report. 

Thank you for your attention. I request written confirmation from all involved parties once the investigation is completed.

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