Consumer complaint received 2025-07-16 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 submitting this complaint to formally dispute multiple inaccurate and unauthorized items that are currently appearing on my credit report. These include an address that does not belong to me, a late payment on a paid account, a questionable charge-off, and several hard inquiries made without my knowledge or consent. These entries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), and they are causing measurable harm to my creditworthiness. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to assist in ensuring a full reinvestigation and appropriate resolution of these violations. 
XXXX XXXX XXXX, PA XXXX Address Law/Issue : This address is being reported inaccurately and does not belong to me under 15 U.S. Code 1681e ( b ) - Failure to ensure maximum possible accuracy Story : I have never lived at or used this address in any credit or financial capacity. Its presence on my credit report is causing confusion and misrepresentation of my residence history XXXX XXXX XXXX XXXX XXXX, PA XXXX Address Law/Issue : This listing violates 15 U.S. Code 1681e ( b ) as it misrepresents my address history Story : This is not a verified or authorized address. It may be an internal error or mix-up with a similar name, and its inclusion is damaging the integrity of my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law/Issue : Reporting late payment on a {$0.00} balance violates FCRA 1681s-2 ( a ) and 1681e ( b ) inaccurate and misleading information Story : This account shows a {$0.00} balance but was still marked with a late payment, which is inaccurate. I request a reinvestigation and correction/removal as it misrepresents the accounts status XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff Law/Issue : Under FCRA 1681e ( b ), charge-off status without valid balance and supporting documentation is inaccurate and misleading Story : This account reflects a charge-off even though the balance is XXXX, which is conflicting and harmful to my report. I request verification or deletion if not verifiable Pursuant to my rights under FCRA 611 ( a ), I am requesting that the credit reporting agencies and data furnishers involved provide documented proof of accuracy, validity, and permissible purpose for each item listed in this complaint. If no such verification is provided within the required timeframe, I am requesting immediate removal of the disputed items from my credit report. These entries are materially inaccurate and are being reported in violation of federal law. I respectfully ask the CFPB to take appropriate action to ensure compliance and accountability, and to help restore the integrity of my consumer credit file. Please confirm receipt of this complaint and provide me with the results of any actions taken.

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