Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate, misleading, and unverifiable entries appearing on my credit report. These entries violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that all information reported by credit reporting agencies be complete, accurate, and verifiable. I have carefully reviewed my credit report and found that these entries fail to meet this standard, causing substantial harm to my creditworthiness. Immediate action is required. 
Wrong Address Listings : XXXX XXXX XXXX XXXX XXXX, TX XXXX This address does not belong to me and has been improperly reported on my credit file. 
XXXX XXXX XXXX XXXX, TX XXXX Incorrect address, no authorization for reporting. 
These multiple wrong addresses create false impressions of residency and identity, potentially affecting creditworthiness and constituting a breach under FCRA 1681e ( b ), which requires maximum possible accuracy. 
Account Disputes : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Charge Off Opened : XX/XX/XXXX Balance Owed : {$120.00} * I have no knowledge of this account, it was never authorized by me. Under FCRA 1681i ( a ), any unverifiable account must be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Opened : XX/XX/XXXX Balance : {$470.00} * XXXX dispute this charge-off as I did not incur this debt nor authorize this account. It should be removed as per FCRA 1681i. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Opened : XX/XX/XXXX Reported : XX/XX/XXXX * This account is inaccurately reported as a late payment. I have consistently paid on time. Reporting is false and must be corrected under FCRA 1681i. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Opened : XX/XX/XXXX Balance : {$0.00} * Incorrectly marked as late ; payment history is accurate. FCRA requires correction of inaccurate reporting. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Opened : XX/XX/XXXX Balance Owed : {$220.00} * This account is unrecognized by me. Immediate deletion required per FCRA 1681i. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Opened : XX/XX/XXXX Balance Owed : {$330.00} * I deny all responsibility for this account. It must be investigated and removed if unverifiable. 
XXXXXXXX XXXX XXXX XXXX XXXX Late Payment Opened : XX/XX/XXXX Balance Owed : {$1500.00} * Reported late payments are inaccurate. All payment records show timely payments. Correction is required under FCRA 1681i ( a ) ( 5 ) ( A ). 
XXXXXXXX XXXX XXXX XXXX XXXX  Late Payment Opened : XX/XX/XXXX XXXX XXXX : {$2400.00} * Late payment reporting is false. All payments were made on time. I demand correction immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection Opened : XX/XX/XXXX Balance Owed : {$5000.00} * I have no knowledge of this account. Under FCRA 1681i ( a ), unverifiable accounts must be deleted immediately. 
XXXX XXXX XXXX XXXXXXXX XXXX Collection Opened : XX/XX/XXXX Balance Owed : {$510.00} * Account is unrecognized by me. Immediate deletion required as per FCRA 1681i. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Opened : XX/XX/XXXX Balance Owed : {$1200.00} * This is an unfamiliar account, and I deny all responsibility. FCRA mandates removal if unverifiable. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Collection Opened : XX/XX/XXXX Balance Owed : {$830.00} * Account is unrecognized by me ; deletion required under FCRA 1681i. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Collection Opened : XX/XX/XXXX Balance Owed : {$830.00} * I have no knowledge of this account. Immediate investigation and removal required. 
XXXX XXXXXXXX XXXX Collection Opened : XX/XX/XXXX Balance Owed : {$720.00} * Account is unrecognized and unverifiable. Delete immediately under FCRA 1681i. 
Hard Inquiry Disputes : XXXX XXXX XX/XX/XXXX Unauthorized hard inquiry. I did not consent to this inquiry. FCRA 604 ( a ) ( 3 ) requires deletion of unauthorized inquiries. 
XXXX XX/XX/XXXX Unauthorized. Immediate deletion required. 
XXXX XX/XX/XXXX No consent given for this inquiry ; delete per FCRA 604 ( a ). 
XXXX XXXX XX/XX/XXXX Unauthorized hard pull ; delete immediately. 
XXXX XXXX XX/XX/XXXX I did not authorize this inquiry ; remove immediately. 
XXXX XX/XX/XXXX Hard inquiry not authorized by me. Immediate removal required. 
XXXX  XX/XX/XXXX Unauthorized ; FCRA mandates deletion. 
The repeated reporting of false late payments, unrecognized collections, and unauthorized hard inquiries constitutes not only harm to my creditworthiness but also a clear violation of federal law. I demand investigation, verification, correction, or deletion of all inaccurate entries within the legally required timeframe of 30 days under FCRA 1681i ( a ) ( 1 ) ( A ).

I request a written response detailing the actions taken. Failure to comply may result in legal action to protect my rights under FCRA 1681n and 1681o, including statutory damages, attorneys fees, and other remedies allowed 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 non-monetary relief