Consumer complaint received 2025-10-01 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:
Dear Sir/Madam I am filing this complaint against the credit reporting agencies and furnishers for reporting false, inaccurate, and unverifiable information on my credit report. These actions are in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ). The inaccurate items are severely damaging my creditworthiness, financial stability, and reputation. Below are the specific issues : XXXX XXXX XXXX XXXX TX XXXX Wrong Address This address is not mine and has never been associated with me in any way Reporting this address on my credit profile is a reckless violation because it attaches me to locations and activities I have no connection to This creates the false appearance that I resided there which is misleading and harmful to my reputation and creditworthiness I demand immediate removal under FCRA 1681e ( b ) for failure to assure maximum possible accuracy XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX Wrong Address This too is a completely false and unverified address I have never lived or conducted any business there Attaching this address to my consumer file is negligent and harmful because it creates the impression that I am responsible for debts or obligations connected to that location This inaccurate reporting must be deleted immediately or you will be in violation of my rights under federal consumer protection laws XXXX XXXXXXXX High Balance XXXX Date Opened XX/XX/XXXX Charge Off I have no knowledge of this account I never signed or authorized any such agreement with XXXXXXXX XXXX No contract bearing my signature has been provided and without that this reporting is unverifiable and inaccurate Under FCRA 1681i and FDCPA 809 you are required to produce proper validation and proof of liability Reporting this as a charge off without verification is a direct violation and must be deleted immediately as it is harming me financially and emotionally XXXX XXXX  XXXX Balance XXXX Date Opened XX/XX/XXXX Charge Off This account is false and I have no recollection of any agreement with XXXX XXXX XXXX XXXX It appears to be fraudulent or misreported No creditor has ever provided me with a contract or legitimate documentation proving my responsibility Without verification this information is uncollectible and inaccurate Under FCRA XXXX ( b ) you must investigate and correct or delete unverified information This charge off must be removed without delay XXXX XXXX XXXX High Balance XXXX Date Opened XX/XX/XXXX Late Payment This reporting is inaccurate and misleading I have never made any late payments on this account and the history being shown is wrong This is damaging my creditworthiness and reputation Reporting false late payments is a serious violation of my rights because it misrepresents my payment history and creates financial harm I demand correction of the payment history to reflect that I have not been late and removal of the inaccurate late payment status immediately under FCRA 1681e ( b ) Conclusion and Request for Relief The above items are false, unverifiable, and damaging. I am requesting that the CFPB take immediate action to investigate these violations, require the credit reporting agencies and furnishers to correct or delete the false information, and hold them accountable for violating consumer protection laws. If these items are not removed or corrected, I reserve my right to pursue legal remedies under FCRA 1681n and 1681o for damages caused by these violations.

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