Consumer complaint received 2025-11-22 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 inaccuracies reporting on my consumer credit reports. These errors include incorrect personal information, accounts I do not recognize or authorize, incorrect late payment notations, unauthorized collection activity, and excessive or improper hard inquiries. These inaccuracies are causing significant and unjust harm to my creditworthiness, and despite attempting to resolve these matters with the reporting agencies and furnishers, the items have not been properly investigated or corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 

Incorrect Addresses ( Not Mine ) The following addresses are inaccurately listed in my credit report. I have never lived at or been associated with these locations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request the immediate removal of these addresses as they are inaccurate and contribute to potential identity confusion or fraud. 

Charge-Off Accounts I Have No Knowledge Of The following accounts are being reported as charged off ; however, I do not recognize or authorize these accounts. I dispute their validity and request complete deletion as required under FCRA 602A and 1681i : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have not been verified with original documentation proving ownership or legal responsibility. 

Late Payment Reporting Errors The following accounts are reporting late payments, but this information is false and inaccurate. I have never made late payments on these accounts, and I dispute the reporting history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request correction and restoration of accurate payment history. 

Collection Accounts I Do Not Recognize The following accounts are reporting as collections. I have no knowledge of these accounts, and no proper validation has been provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Unauthorized and Excessive Hard Inquiries The following companies conducted credit inquiries without my written consent or permissible purpose under FCRA 604 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are damaging my credit score and were done without authorization. 

Requested Action I request that the CFPB enforce full compliance with the FCRA and require all reporting agencies and furnishers to : Remove all inaccurate personal identifying information Delete all unverified charge-off and collection accounts Correct or remove inaccurate late payment history Remove all unauthorized and impermissible inquiries Provide me with written confirmation once the corrections are applied Thank you for your time and attention. These inaccuracies are severely affecting my financial stability, and I look forward to your assistance in ensuring that all reporting parties comply with federal 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