Consumer complaint received 2025-11-06 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: NC

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate and unauthorized entries being reported on my credit file. These errors have severely affected my creditworthiness and financial stability. Despite my efforts to resolve these issues directly with the furnishers and credit reporting agencies, the inaccurate information remains uncorrected. 

XXXX. Wrong Address Reporting : XXXX XXXX XXXXXXXX XXXX XXXX This address is not and has never been associated with me. Reporting this incorrect address is a clear violation of the Fair Credit Reporting Act ( FCRA ) as it misrepresents my personal information and suggests possible identity mix-up or reporting error. I demand immediate removal of this address from my credit profile. 

XXXX. Charge-Off Accounts with No Knowledge or Authorization : The following accounts are reported as charge-offs. I have no knowledge or record of ever opening, maintaining, or defaulting on these accounts. They are false, inaccurate, and damaging to my credit report : XXXX  XXXX XXXXXXXX XXXX XXXX  High Balance : {$1000.00}, Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX * * High Balance : {$1100.00}, Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$15000.00}, Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$5600.00}, Opened : XX/XX/XXXX XXXX XXXX XXXX * High Balance : {$1100.00}, Opened : XX/XX/XXXX These accounts are inaccurate and unverifiable, and therefore must be immediately deleted from my credit report pursuant to FCRA 611 and 623. The furnishers have failed to validate or prove ownership of these accounts. 

XXXX. Incorrect Late Payment Reporting : XXXX XXXX XXXX XXXX XXXX High Balance : {$120.00}, Opened : XX/XX/XXXX This account is inaccurately reporting a late payment. I have never made any late payment on this or any account. This error is a direct violation of FCRA 607 ( b ), which requires furnishers to maintain maximum possible accuracy. I am requesting prompt correction and removal of the inaccurate late payment notation. 

XXXX. Unauthorized Hard Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize these inquiries. These were made without my consent and constitute unauthorized access to my credit file. Under FCRA 604, these inquiries must be removed immediately from all consumer reporting agencies. 

These continued inaccuracies and failures to properly investigate or correct the information are violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). I am requesting that the CFPB investigate these matters thoroughly and ensure that all unverified, inaccurate, and unauthorized items are deleted or corrected immediately from my credit report. 

I also request written confirmation of the results of this investigation and a detailed explanation of any actions taken by the involved furnishers or credit bureaus. 

Thank you for your prompt attention to this matter.

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