Consumer complaint received 2025-09-23 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: GA

Complaint narrative:
I am submitting this complaint because my credit report is being reported with multiple inaccurate, incomplete, and unverifiable accounts that have caused me serious harm and hardship. Despite my attempts to resolve these issues, the credit reporting agencies and furnishers have continued to report derogatory information in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

The accounts being reported include XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, which is showing late payments despite the fact that the reporting is inaccurate and can not be properly verified. Another account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is being reported as a charge off with a high credit of {$610.00} even though the information is false and misleading. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is also being reported as a charge off with a high credit of {$10000.00}, and this tradeline contains unverifiable derogatory information that continues to damage my credit standing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been listed as a charge off with a high credit of {$10000.00}, but the reporting is inconsistent and inaccurate. Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is appearing as a charge off with a high credit of {$3200.00}, which is not only incomplete but also unverifiable under the law. Another account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has been reported as a charge off with a balance of {$1500.00}, and once again this information is being furnished in violation of the accuracy requirements of the FCRA. 

On top of the above derogatory accounts, my report is also showing unauthorized or misreported inquiries. These include XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, and XXXX XXXX dated XX/XX/XXXX. These inquiries were not properly authorized by me, and their presence on my report is damaging and unlawful under the permissible purpose requirements of FCRA 1681b. 

Further, my report is also showing an incorrect and misleading address, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, GA XXXX. This is not my correct address, yet it continues to remain on my credit file, which raises serious concerns about the accuracy and reliability of the reporting system. 

These ongoing inaccuracies have directly harmed me by lowering my credit scores, limiting my financial opportunities, and causing emotional distress. I have a legal right to a credit report that is accurate, complete, and free from unverifiable information. The continued reporting of these accounts and inquiries reflects negligence and noncompliance with the FCRA, and I am requesting immediate investigation, correction, and removal of the disputed items. 

I am asking the Consumer Financial Protection Bureau to intervene, enforce compliance, and ensure that these accounts and inquiries are permanently corrected or deleted so that my credit file accurately reflects my true financial history.

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