Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against the credit reporting agencies and the listed creditors regarding multiple inaccurate, unverified, and misleading entries appearing on my credit report. These erroneous entries have severely damaged my creditworthiness, misrepresented my payment history, and violated my rights under the Fair Credit Reporting Act ( FCRA ). 
Below is a detailed account of the issues I dispute. I request a thorough investigation and prompt correction or deletion of these inaccurate items. 
Address Disputes XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Wrong Address Issue : This address does not belong to me and its inclusion on my credit report is false and misleading. The reporting of an incorrect address is a violation of FCRA 609 ( a ) ( 1 ), which mandates accurate personal identifying information. The presence of this wrong address damages my credibility and could cause wrongful association with fraudulent or mistaken activity. This false information increases the risk of identity theft and misdirects creditors, unfairly harming my credit standing. I demand immediate correction or removal of this erroneous address to restore the accuracy of my credit file. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address Issue : This address is not connected to me and constitutes inaccurate personal data that breaches FCRA requirements to report only verifiable, accurate information. Inclusion of this wrong address has no factual basis and confuses potential lenders, increasing the risk of incorrect credit decisions against me. This is a clear violation of my rights under 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in credit reporting. 
Account Disputes XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$460.00} Late Payment Issue : Late Payment Law : Under the Fair Credit Reporting Act ( FCRA ) 1681i, all disputed information must be verified by the creditor. Reporting unverified or inaccurate late payments violates 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in credit reporting.

Story : This late payment entry is factually incorrect and does not reflect my true payment history. I have maintained consistent, on-time payments for this account as evidenced by my records. Reporting a false late payment sever
ely harms my credit score and misleads potential lenders about my reliability. It creates an unwarranted negative impact on my ability to secure loans, credit cards, or favorable interest rates. Moreover, failure to validate such negative information before reporting is a direct violation of federal law, potentially exposing the reporting entity to legal penalties. I insist on immediate removal of this false late payment unless credible proof of delinquency is provided. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$430.00} Late Payment Issue : Late Payment Law : Per FCRA 1681e ( b ), credit reporting agencies must ensure that all reported data is complete, accurate, and up to date. Incorrect late payments violate these provisions.

Story : The late payment entry on this account is unsupported and inaccurate. I have never received notification of missed or late payments, nor do my financial records show any such delinquencies. The presence of this erroneous information severely prejudices my creditworthiness and creates unwarranted obstacles in obtaining credit or housing. This inaccurate reporting is detrimental, misleading lenders, and in direct violation of my rights under FCRA. I demand an immediate and thorough reinvestigation, and deletion of this false late payment if it can not be substantiated. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$640.00} Charge Off Issue : Charge Off Law : FCRA 1681e ( b ) mandates accurate credit reporting, including correct reporting of charge-offs.

Story : The charge off reported here is outdated and inaccurate. This account was previously settled, and continuing to report it as a charge off misrepresents my credit history. Such misinformation unjustly lowers my credit score and misleads lenders about my financial responsibility. It also exposes me to increased interest rates and credit denials. Reporting an inaccurate charge off constitutes a violation of the FCRAs requirement for maximum accuracy, and I demand immediate correction or removal of this false information. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$5000.00} Charge Off Issue : Charge Off Law : According to FCRA 1681i, consumers have the right to dispute inaccurate or unverifiable information.

Story : This charge off has been reported inaccurately and without proper verification. It unfairly damages my creditworthiness and negatively impacts my financial opportunities. The presence of this inaccurate charge off misleads creditors and lenders, resulting in unwarranted negative consequences for me. I dispute this information in full and demand immediate reinvestigation and deletion if verification can not be provided. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$650.00} Charge Off Issue : Charge Off Law : FCRA 1681e ( b ) and 1681i require that charge offs are accurate and verified before reporting.

Story : This charge off is reported inaccurately and without adequate verification. Such false reporting unfairly harms my credit score and creditworthiness. It can lead to unjust denial of credit and other financial services. I dispute this charge off and demand immediate removal unless valid proof is supplied. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$460.00} Charge Off Issue : Charge Off Law : Under FCRA 1681e ( b ), credit reporting agencies must report only accurate and complete information.

Story : The charge off reported is not accurate or verified. It unfairly misrepresents my credit profile and damages my ability to obtain fair credit. I require this charge off be thoroughly reinvestigated and removed unless it can be verified with valid documentation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$180.00} Late Payment Issue : Late Payment Law : FCRA 1681i gives consumers the right to dispute inaccurate information and demand reinvestigation.

Story : The reported late payment is factually incorrect and does not align with my payment history. It unjustly lowers my credit score and creates a misleading negative impression for creditors. This misinformation violates federal laws requiring accuracy in credit reporting. I demand its immediate deletion or correction. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$110.00} Late Payment Issue : Late Payment Law : FCRA 1681i requires verification of disputed information.

Story : This late payment is falsely reported and does not correspond with my actual payment record. It unfairly harms my credit reputation and should be removed immediately if verification can not be provided. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$310.00} Charge Off Issue : Charge Off Law : FCRA 1681e ( b ) and 1681i require maximum possible accuracy and verification of disputed data.

Story : This charge off is inaccurately reported and has not been verified. Its presence unfairly damages my credit and limits my financial opportunities. I dispute this reporting and demand correction or deletion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1400.00} Charge Off Issue : Charge Off Law : FCRA 1681i requires deletion of unverifiable negative data.

Story : This charge off is inaccurately reported, damaging my credit without factual basis. I demand prompt removal unless proof is provided. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$730.00} Collection Issue : Collection Law : FCRA 1681i guarantees right to dispute and validation of collections.

Story : This collection is not verified and is incorrectly reported, causing unwarranted harm to my creditworthiness. I dispute this account and request removal. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$700.00} Collection Issue : Collection ( Duplicate or Inaccurate ) Law : FCRA prohibits duplicate or false negative reporting. 
Story : This collection entry is a duplicate or false and unfairly prejudices my credit. I demand its removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$810.00} Collection Issue : Collection ( Duplicate ) Law : Duplicate reporting is a violation under FCRA. 
Story : This is a duplicate entry further damaging my credit unfairly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$410.00} Collection Issue : Collection Law : FCRA mandates collections be accurate and verified. 
Story : This collection is inaccurately reported without verification and harms my credit profile unfairly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$650.00} Collection Issue : Collection ( Duplicate/Unverified ) Law : FCRA prohibits unverified or duplicate collections.

Story : Duplicate or unverifiable collection entry unfairly damages my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$830.00} Collection Issue : Collection Law : FCRA 1681i requires validation of collections. 
Story : This collection is reported without verification, unjustly harming my credit. I dispute this entry. 
XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$3700.00} Collection Issue : Collection ( Duplicate/False ) Law : FCRA requires accuracy. 
Story : Duplicate or false collection damaging my credit unfairly. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$260.00} Collection Issue : Collection Law : FCRA 1681i mandates verification.

Story : Unverified collection entry unfairly harms my credit. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$670.00} Collection Issue : Collection Law : FCRA requires validation of reported collections. 
Story : This collection lacks proper validation, damaging my credit unfairly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$920.00} Collection Issue : Collection ( Duplicate ) Law : Duplicate reporting violates FCRA. 
Story : Duplicate collection entry inflates negative impact. 
XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$2600.00} Charge Off Issue : Charge Off Law : FCRA mandates verified information. 
Story : This charge off is unverified and inaccurately reported. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$260.00} Charge Off Issue : Charge Off ( Duplicate/False ) Law : FCRA prohibits false reporting. 
Story : Duplicate or false charge off entry damaging credit unfairly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$680.00} Charge Off Issue : Charge Off Law : FCRA requires maximum accuracy. 
Story : Inaccurate charge off entry unfairly damages my credit. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1500.00} Charge Off Issue : Charge Off Law : FCRA requires maximum possible accuracy. 
Story : Incorrect charge off entry unfairly harms my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$850.00} Charge Off Issue : Charge Off Law : FCRA requires truthful, accurate reporting. 
Story : False charge off entry unfairly damages my credit. 

I request the CFPB to ensure that the credit reporting agencies and creditors involved conduct a thorough investigation of these disputed items, verify their accuracy and validity, and remove or correct all unverifiable, duplicate, and false information promptly. Failure to correct these violations negatively impacts my ability to obtain credit, housing, and fair financial treatment. 
Please keep me informed of any actions taken regarding this complaint. I appreciate your assistance in protecting my consumer rights.

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