Consumer complaint received 2025-11-08 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: NJ

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and unauthorized entries on my credit report that are causing significant financial harm. These items include false late payments, unverifiable charge-offs, and unauthorized inquiries. This complaint is submitted under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires furnishers and credit reporting agencies to report only accurate, complete, and verifiable information. 
I demand immediate investigation and deletion of the following items if verification can not be provided : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address is inaccurately reported on my credit file. I have never lived or maintained any accounts at this location. Reporting this incorrect address is misleading and a violation of FCRA Section 609 ( a ) ( 1 ). I request immediate removal of this address from my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This is another address that is falsely associated with my credit history. I have no connection to this address. Its continued reporting is inaccurate and must be corrected under FCRA. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$300.00} Late Payment I dispute the late payment notation on this account. I have maintained timely payments and have never been late. Reporting a late payment when I paid on time violates FCRA Sections 602 ( a ) and 611 ( a ) ( 1 ) ( A ). I request correction of this account to reflect accurate payment history. 
XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$900.00} Late Payment I have never missed a payment on this account. The late payment reported is false and misleading. This inaccurate reporting is causing undue harm to my creditworthiness. I demand immediate correction to reflect my accurate payment history. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$300.00} Charge Off I have no knowledge of this charge-off and did not authorize this account. Its reporting is unverifiable and may be fraudulent. Under FCRA Section 611, I request full investigation and deletion if verification can not be provided. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$300.00} Charge Off Similar to the above, I dispute this account entirely. I have never entered into any agreement that would justify a charge-off. Immediate removal is required unless verifiable documentation is provided. 
XXXX XXXX  XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off This account is also unknown to me. The charge-off status is inaccurate. I request an immediate investigation and deletion from my credit file in accordance with FCRA. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off I dispute this account. I have no knowledge of any balance or charge-off associated with me. Its reporting is false and must be removed immediately. 
XXXX XXXX  XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment I dispute the late payment reported on this account. I have never missed a payment and this reporting is inaccurate. Under FCRA Sections 602 ( a ) and 611 ( a ) ( 1 ) ( A ), I request correction of this account to accurately reflect my payment history. 
XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off I dispute this account entirely. I never authorized or used this account. Reporting it as a charge-off without proper verification violates FCRA. I demand immediate investigation and deletion. 
XXXX XX/XX/XXXX Unauthorized Inquiry I did not authorize this inquiry. Reporting unauthorized inquiries is a violation of FCRA Sections 604 ( a ) ( 3 ) and 611 ( a ). I demand removal of this inquiry. 
XXXX XXXX XX/XX/XXXX XXXX XXXX This inquiry was not authorized by me. Its presence on my credit report is inaccurate and must be deleted under FCRA. 
XXXX XXXX XX/XX/XXXX Unauthorized Inquiry I did not authorize this inquiry. FCRA requires that all credit inquiries be authorized ; removal is demanded. 
Demand : I request that the Consumer Financial Protection Bureau ensure these false, unverifiable, and unauthorized items are immediately removed from my credit report. Failure to comply with FCRA requirements constitutes a willful violation, and I reserve the right to pursue all legal remedies available, including damages and attorney fees. I demand written confirmation of the resolution of this complaint.

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