Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate information currently being reported on my TransUnion credit file. Despite my right under the Fair Credit Reporting Act to have only accurate and verifiable information reported, TransUnion continues to display multiple items that are either not mine, not recognized, or inaccurately reported. I am requesting a proper investigation and correction or deletion of the following items. 
There is an address listed as XXXX XXXX XXXX XXXX XXXXXXXX. This address is not mine, I have no knowledge of it, and I have never lived at or received mail at this location. TransUnion must delete this address immediately as it is inaccurately associated with my credit profile. 
There is also an address listed as XXXXXXXX XXXX XXXX XXXX XXXX XXXX  This address does not belong to me, I have no knowledge of it, and it should not be associated with my credit file. I am requesting its deletion. 
Another incorrect address appearing on my TransUnion report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This address is not mine, I do not recognize it, and I am requesting its complete removal from my credit file. 
The account reported by XXXX XXXX XXXX XXXX ending in XXXX, opened on XX/XX/XXXX, and reported with late payment history is inaccurate. The late payment reporting is not correct, and TransUnion must investigate and correct any inaccurate payment history being reported. 
The account reported by XXXX XXXXk ending in XXXX, opened on XX/XX/XXXX, and reported as a charge-off with a high balance of {$850.00} is not accurate. I do not recognize this charge-off as being reported, and TransUnion must either verify this account properly or remove it. 
The account reported by XXXX ending in XXXX, opened on XX/XX/XXXX, and reported as a charge-off with a high balance of {$760.00} is not recognized. I have no knowledge of this account being reported in this manner, and I am requesting a full investigation with deletion if it can not be verified. 
The XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX, is reported as a charge-off with a high balance of {$430.00}. This reporting is inaccurate, and I do not recognize this charge-off. TransUnion must correct or delete this account following a proper investigation. 
The XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX, is being reported as a charge-off with a high balance of {$940.00}. I do not recognize this account as reported, and I am requesting that TransUnion verify its accuracy or remove it. 
The account reported by XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, is reported with late payment history. The late payment information is inaccurate, and TransUnion must investigate and correct the payment history accordingly. 
The XXXX account ending in XXXX, opened on XX/XX/XXXX, is being reported as a charge-off with a high balance of {$500.00}. I do not recognize this charge-off, and this account must be properly verified or deleted. 
The XXXX XXXX XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX, is reported as a charge-off with a high balance of {$11000.00}. I do not recognize this account as reported, and I am requesting deletion if TransUnion can not provide proper verification. 
The XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX, is being reported as a charge-off with a high balance of {$16000.00}. This reporting is inaccurate and must be investigated, corrected, or removed. 
The collection account reported by XXXX XXXX XXXX ending in XXXX, opened on XX/XX/XXXX, with a high balance of {$370.00} is not recognized. I am requesting deletion unless TransUnion can fully verify this collection. 
The collection account reported by XXXX XXXX XXXX ending in XXXX, opened on XX/XX/XXXX, with a high balance of {$140.00} is not mine and must be deleted if it can not be verified. 
The collection account reported by XXXX XXXX ending in XXXX, opened on XX/XX/XXXX, with a high balance of {$500.00} is not recognized. I am requesting its removal following a proper investigation. 
The collection account reported by XXXX XXXX XXXX ending in XXXX, opened on XX/XX/XXXX, with a high balance of {$190.00} is not mine and must be deleted if unverifiable. 
The collection account reported by XXXX XXXX XXXX ending in XXXX, opened on XX/XX/XXXX, with a high balance of {$1400.00} is not recognized. I am requesting deletion of this account. 
The collection account reported by XXXX XXXX ending in XXXX, opened on XX/XX/XXXX, with a high balance of {$730.00} is not mine and must be removed if it can not be properly verified. 
TransUnion is required under the Fair Credit Reporting Act to ensure maximum possible accuracy. I am requesting that CFPB require TransUnion to conduct a lawful reinvestigation and promptly correct or delete all inaccurate information listed above.

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