Consumer complaint received 2025-08-12 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: SC

Complaint narrative:
I am writing to you under the rights granted to me by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, to dispute inaccurate, incomplete, and unverified information currently appearing on my credit report. I have reviewed my file and found several items that are being reported incorrectly. These inaccuracies are damaging my creditworthiness and financial reputation. 

You are required by federal law to conduct a reasonable reinvestigation of each item, provide the method of verification, and remove or correct any information that can not be fully verified as accurate and compliant with applicable law. I am exercising my legal right to demand immediate action on the following matters : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Wrong Address Law : FCRA 602A and 607 ( b ) Credit reporting agencies must ensure maximum possible accuracy. 
Story : I have never lived at this address and have no connection to it whatsoever. Its appearance on my report is a serious error and indicates a failure to maintain accurate identification information. Incorrect addresses can be linked to fraudulent accounts or mixed credit files, which puts me at risk of identity theft. You are legally obligated to remove all addresses not directly associated with me. 

XXXX XXXX XXXX XXXX XXXX  XXXX Issue : Wrong Address Law : FCRA 602A and 607 ( b ) Story : This address does not belong to me and should never have been included in my file. Including unverified personal data violates my rights under the FCRA. It also creates confusion when lenders review my credit file, which can lead to adverse credit decisions. Immediate removal is required. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Issue : Charge Off Law : FCRA 602A, 607 ( b ), and 611 ( a ) Information must be reported with maximum accuracy and verified upon dispute.

Story : This account is being reported as a charge-off despite having a {$0.00} balance, which indicates it is either paid, settled, or closed with no debt owed. Reporting it as a charge-off while the balance is XXXX is misleading and causes unnecessary damage to my credit. This is both inaccurate and incomplete reporting, and I demand that it be corrected or removed immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Issue : Charge Off Law : FCRA 607 ( b ) and 611 ( a ) Story : This account has no outstanding balance, yet it is still being reported as charged-off. This is inconsistent and materially misleading. Such reporting suggests delinquency where none exists, negatively affecting my creditworthiness. I require full verification with proper documentation or deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Issue : Charge Off Law : FCRA 602A and 611 ( a ) Story : Reporting an account as a charge-off when there is no balance due is both inaccurate and harmful. It misrepresents my payment history and financial responsibility. Unless you can provide legal proof of this status with complete account records, you must delete it. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Issue : Charge Off Law : FCRA 607 ( b ) and 611 ( a ) Story : This account should not be labeled as charged-off if no money is owed. The inaccurate status implies unresolved debt, which is misleading to potential creditors. Failure to correct or delete it constitutes willful noncompliance with the FCRA. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Issue : Late Payment Law : FCRA 607 ( b ) Maximum possible accuracy requirement Story : It is impossible to have a valid late payment with a {$0.00} balance. This reporting is either the result of a clerical error or a failure in recordkeeping. Such an entry paints an incorrect picture of my payment behavior, which is unlawful under the FCRA. 

XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$9800.00} * * Issue : Charge Off Law : FCRA 602A, 607 ( b ), and 611 ( a ) Story : This account is being reported as a charge-off without providing any proof of validation. The balance and charge-off status are unverified, and without documentation from the original creditor, this account can not be legally reported. 

XXXX XXXX XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$930.00} * * Issue : Charge Off Law : FCRA 607 ( b ) and 611 ( a ) Story : The reporting of this account is incomplete and inaccurate. If the account is still open or in repayment, it can not lawfully be marked as charged-off without verifiable proof. If proof is unavailable, it must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Issue : Charge Off Law : FCRA 602A and 607 ( b ) Story : A XXXX balance account can not legitimately be classified as charged-off. This misleading status causes unjust harm to my credit score and violates the accuracy provisions of the FCRA. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$29000.00} * Issue : Charge Off Law : FCRA 602A and 611 ( a ) Story : This large balance is reported as charged-off without validation. This is a serious and damaging error if unverifiable. I demand proof of ownership, contractual obligation, and delinquency history ; otherwise, it must be removed. 

XXXXXXXX XXXX  XXXX Reference # XXXX Date Filed/Reported XX/XX/XXXX Issue : Bankruptcy Reporting Error Law : FCRA 607 ( b ) Maximum possible accuracy Story : I have not filed for bankruptcy under this reference number, and I have no legal record of such a proceeding. Including a bankruptcy in my credit file without verifiable court documentation is a severe violation of my rights under the FCRA. This must be deleted immediately. 

Conclusion I expect you to complete your reinvestigation within the 30-day period mandated by the FCRA and provide me with written confirmation of your findings. If you can not fully verify any of the above items, you must delete them from my report. Failure to comply will result in my pursuing all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General.

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