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: PA

Complaint narrative:
I am filing this complaint with the CFPB to report serious inaccuracies on my credit report, including misreported accounts and an incorrect address, which have no association with me. Under the FCRA, all reporting agencies and furnishers are required to ensure information is accurate, complete, and verifiable. The reporting of these false items has harmed my credit score, affected my ability to obtain loans, and caused undue stress. I request the CFPB to intervene and enforce full compliance, reinvestigation, and correction of all disputed items. 

Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX This address is not associated with me and has never been my residence. Its inclusion on my credit file creates confusion and has caused erroneous reporting of accounts linked to me. Verification attempts from creditors at this location have proven impossible, and therefore I request that this address be removed entirely. FCRA 609 ( a ) ( 1 ) ( A ) grants me the right to request documentation to prove accuracy ; none has been provided. The presence of this incorrect address has resulted in multiple misattributions and potential fraud risk. 

Account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance Owed : {$620.00}, Chargeoff This account is being reported inaccurately and does not reflect my true financial history. I have reviewed all my personal records and correspondence and have found no evidence that supports the reported charge-off. The balance, dates, and account status listed are inconsistent with my records. Under FCRA 611 ( a ), I have the right to dispute and request verification of any information I believe to be inaccurate or incomplete. No documentation has been provided by XXXX XXXX to verify this debt or confirm that it is mine. The reporting of this account in its current state has negatively impacted my credit score, making it more difficult to obtain fair credit, loans, or favorable interest rates. Inclusion of unverifiable or inaccurate information is a violation of FCRA 609 ( a ) ( 1 ) ( A ) and creates unnecessary stress and financial harm. I request a full reinvestigation and that this account be either corrected or removed entirely if it can not be properly verified. Reporting an unverified account demonstrates noncompliance with federal law and damages my ability to manage my financial obligations responsibly. Immediate attention is required to prevent further harm and rectify this erroneous reporting. 

I demand that the CFPB take immediate action to ensure full compliance with the FCRA by all reporting agencies and creditors, including the deletion or correction of unverifiable items. The continued presence of these inaccuracies has caused financial loss, credit denial, and emotional distress. I request written confirmation once all corrections have been made.

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