Consumer complaint received 2025-09-04 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: LA

Complaint narrative:
To Whom It May Concern : I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. regarding multiple inaccuracies, false information, and unauthorized inquiries on my credit report. These issues have caused significant financial, personal, and reputational harm. I demand an immediate investigation, correction, and removal of the following items : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Address I have never lived at these addresses. The reporting of these locations as my residence is completely false and misleading. These incorrect addresses are causing confusion in my credit file, leading to potential identity theft risks, loan denials, and increased scrutiny from lenders. The presence of false addresses can also trigger security alerts and unnecessary verification requests, negatively impacting my ability to access basic financial services. It is imperative that these inaccuracies are corrected immediately to prevent further harm. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$580.00} Late Payment This account has been incorrectly reported as having late payments. I have consistently made payments on time, and this false reporting misrepresents my financial responsibility. Reporting late payments when none exist damages my credit score, leading to higher interest rates, loan denials, and obstacles in obtaining essential services such as housing and utilities. The inaccurate reporting creates unnecessary stress and misleads potential lenders about my reliability. I request full verification and immediate correction of this account to restore my credit integrity. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} Charge Off This account has been inaccurately reported as a charge-off. The account has been maintained properly, and I dispute this status. Falsely reporting a charge-off severely harms my creditworthiness, resulting in loan denials, increased interest rates, and unnecessary challenges in financial planning. Such errors also create stress and XXXX as I am unfairly penalized for actions I did not commit. I demand that this accounts status be fully corrected and all inaccurate information permanently removed. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} Late Payment Late payment reporting on this account is inaccurate. I have adhered to all agreed payment schedules, and this false reporting misrepresents my responsible financial behavior. The incorrect late payments are reducing my credit score, affecting my ability to qualify for loans, and potentially increasing insurance premiums. Misreporting of this nature exposes me to financial hardship and unwarranted reputational damage. Immediate investigation and correction are required. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} Charge Off This account has been incorrectly reported as a charge-off. I dispute this designation and demand verification. Misreporting a charge-off significantly harms my credit profile, limits access to personal and business loans, and negatively impacts my professional and personal reputation. This error can lead to denials of housing applications, increased loan interest rates, and difficulty in financial planning. Correcting this misinformation is urgent to prevent further financial and reputational harm. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$360.00} Charge Off This account is incorrectly reported as a charge-off. The reported balance and status are inaccurate. False reporting of a charge-off misleads lenders about my creditworthiness, causes unnecessary stress, and negatively impacts my ability to secure financial services. I request immediate validation and correction of this account. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Collection This account has been reported as a collection despite having no balance owed. Reporting a XXXXbalance account as a collection is false and damaging to my credit profile. Such misreporting lowers my credit score, harms my reputation with lenders, and unfairly affects my financial opportunities. Immediate investigation and correction are required. 
XXXXXXXX XXXX XXXXXX/XX/year> XXXX This inquiry was unauthorized and falsely reported. It negatively affects my XXXX XXXX, misrepresents my financial activity, and must be removed immediately. 
XXXX XXXX XX/XX/year> XXXX This hard inquiry is inaccurately reported and not authorized by me. Its presence harms my creditworthiness, misleads potential lenders, and must be removed without delay. 
Under the Fair Credit Reporting Act, I have the right to dispute any information I believe is inaccurate, incomplete, or unauthorized. I demand that all the above items be fully investigated, corrected, or removed as necessary. Failure to address these inaccuracies promptly may result in further legal action under FCRA provisions, including filing complaints with regulatory authorities and seeking all remedies available by law.

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 explanation