Consumer complaint received 2025-08-26 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:
To Whom It May Concern, I am writing this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). These federal laws require credit reporting agencies, furnishers, and collectors to maintain the highest level of accuracy, fairness, and verifiability of consumer credit data. I also invoke my rights under the Consumer Financial Protection Bureau ( CFPB ) rules, which empower consumers to challenge unfair, deceptive, and abusive reporting practices. The following items appearing on my credit file are inaccurate, unverifiable, or misleading, and I am demanding their immediate investigation and deletion in full compliance with the law. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address Issue : This address never belonged to me, and reporting it constitutes inaccurate information. Law : FCRA 607 ( b ) requires maximum possible accuracy, FCRA 611 gives me the right to dispute and demand deletion of unverifiable data, and FCRA 605B requires blocking of information resulting from identity theft. Story : By linking me to this false address, the bureau has created a misleading picture of my identity. Such false reporting could expose me to collections or judgments tied to someone elses records. It has already caused emotional distress, as I have been denied credit due to address inconsistencies. The continued presence of this address is not only harmful but unlawful. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address Issue : I never lived at this address, making it a false entry. Law : Under FCRA 602 ( a ), Congress declared that consumer reporting must be accurate and fair, and under 623 ( a ) ( 1 ), furnishers can not knowingly report false data. Story : This false address creates a mixed file situation. Lenders see a pattern of multiple unrelated addresses and assume instability, which unfairly lowers my credibility. It also increases the chance of identity theft, as it can tie me to accounts I never opened. My right to fair access to credit under XXXX is directly harmed. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Wrong Address Issue : False reporting of residency. Law : FCRA 609 gives me the right to obtain source verification, and if the bureau can not provide concrete proof, they must delete it. Story : I have never resided at this property, and its inclusion has already caused me issues in verifying my identity with lenders. When creditors see multiple mismatched addresses, it looks like I am hiding something or moving frequently to avoid debt, which is completely false. This misrepresentation violates the principle of fairness in consumer reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$3200.00} Charge Off Issue : This account is being reported as charged off inaccurately. Law : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from providing inaccurate data. FDCPA 807 prohibits misrepresentation of debt. FACTA requires full disclosure of account information upon request. Story : This charge off has been reported without full validation. I was not given proper notice, and the alleged balance is inconsistent with my records. Reporting this as a charge off without validation misrepresents my financial behavior and unjustly lowers my credit score. This harms my ability to obtain auto loans, housing, or employment opportunities, violating my rights to fair credit consideration. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$3200.00} Charge Off Issue : Wrongly reported as a charge off. Law : Under FCRA 611, all negative tradelines must be verified with original source documents. If the furnisher can not produce those documents, the bureau must delete the item. Story : This entry paints me as irresponsible when in fact no valid documentation has been provided. It has already caused me loan denials and embarrassment when applying for credit. Without proof, keeping this account on my file is a violation of federal consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$400.00} Late Payment Issue : Late payments are being reported that are not valid. Law : FCRA 605 ( a ) ( 5 ) regulates the time limits for reporting delinquencies, and furnishers must comply with 623 obligations of accuracy. Story : These lates are inaccurate and unverifiable. By keeping them on file, the bureau creates a false narrative of financial irresponsibility, which directly prevents me from obtaining fair credit. I dispute these as unlawful, and they must be removed. 
XXXX  XXXX Bankruptcy Reference XXXX XXXX XXXXXXXX Court : U.S. Bankruptcy Court Bankruptcy Issue : Bankruptcy reporting is inaccurate and improperly verified. Law : FCRA 611 ( a ) ( 2 ) requires verification directly with the court system, not through third parties. If verification can not be obtained from the original source, the record must be deleted. Story : This bankruptcy has been reported in a way that is damaging and misleading. If there is no direct certified record from the court, then reporting it is unlawful. This false entry stigmatizes me as financially irresponsible and continues to cause denials, humiliation, and financial setbacks. 
XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Hard inquiry reported without permissible purpose. Law : FCRA 604 requires inquiries to have a permissible purpose, and reporting unauthorized inquiries is a violation. Story : I never authorized this inquiry. Its presence makes it look like I am aggressively seeking credit, which lowers my score and damages my reputation with lenders. This inquiry must be removed immediately to restore fairness to my file.

In conclusion, every one of these items is either inaccurate, unverifiable, or incomplete under the law. The FCRA, FDCPA, and CFPB rules mandate that consumer reports must be accurate, fair, and free from misleading data. I demand a full investigation and removal of these items within 30 days as required by law. If these inaccuracies are not corrected, I will escalate this matter to the CFPB, FTC, and the Attorney Generals office and consider private legal action for violations of 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