Consumer complaint received 2025-11-08 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 regarding multiple inaccurate, unverifiable, and unauthorized items being reported on my credit report by [ Credit Bureau Name ] and various creditors/loan servicers. These items violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that all information reported to credit reporting agencies be accurate, complete, and verifiable. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Wrong Address The above address is not associated with me. Reporting an incorrect address on my credit report is misleading and constitutes a violation of FCRA Sections 602 ( a ) and 611 ( a ). This misreporting could negatively affect my creditworthiness and is therefore disputable. I request immediate correction. 
XXXX XXXX XXXX, XXXX, XXXX Wrong Address This address has never been associated with me. The presence of false address information is a violation of my rights under XXXX XXXX. XXXX ( a ). It is imperative that this entry be removed to ensure the accuracy of my credit file. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$600.00} Charge Off I have no knowledge of this account. It is being reported as a charge-off without my authorization or verification. Under FCRA XXXX, I have the right to request deletion of unverifiable or fraudulent accounts. I demand a complete investigation and deletion of this inaccurate entry. 
XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment This account incorrectly lists late payments. I have never missed any payment on this account. According to FCRA XXXX ( a ) ( XXXX ) ( A ), I am disputing this inaccurate reporting and request that my payment history be corrected to reflect accurate information. 
XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment The late payment status is incorrect. I have a verified payment history and have consistently met all obligations. Reporting false delinquencies violates my rights under FCRA XXXX ( a ) and damages my creditworthiness. I demand correction. 
XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment This account wrongly reflects late payments. I request an immediate review and correction in compliance with FCRA XXXX. Accurate reporting of my payment history is required by law. 
XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment I dispute the late payment reporting as inaccurate. This account has no late payments, and reporting otherwise is a violation of FCRA XXXX ( a ). I request this be corrected without delay. 
XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment This late payment entry is false. I have maintained timely payments. In accordance with FCRA XXXX, I demand the account history be corrected immediately. 
XXXX  XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment I have never been late on this account. The current reporting is inaccurate and violates my rights under FCRA XXXX. Please update my account to reflect accurate payment history. 
XXXX  XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment The late payment status is inaccurate. I have a verified record showing timely payments on this account. Reporting false delinquencies violates FCRA XXXX ( a ) and adversely impacts my creditworthiness. XXXX correction is demanded. 
XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment This account incorrectly lists late payments. I request a thorough investigation and correction to reflect my accurate payment history as required under XXXX XXXX. XXXX ( a ). 
XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment I dispute the reported late payments. All obligations were met on time. False reporting violates my rights under FCRA XXXX ( a ). I demand immediate correction. 
XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment The late payment reporting on this account is inaccurate. I have no record of late payments. FCRA XXXX ( a ) requires accurate reporting; please update my account history accordingly. 
XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment This account falsely reflects late payments. I request correction in compliance with FCRA XXXX ( a ). Accurate reporting is legally required. 
XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment I have never been late on this account. XXXX otherwise is a violation of my rights under FCRA XXXX ( a ). XXXX correction is requested. 
XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment This account is inaccurately reported as late. I demand correction to reflect the verified payment history under FCRA XXXX ( a ). 
XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment The reported late payment status is false. FCRA XXXX ( a ) requires that my payment history be corrected to reflect accurate information. 
XXXX XXXX XX/XX/XXXX Inquiry This inquiry was not authorized by me and XXXX constitute a violation of FCRA XXXX ( a ). I dispute this inquiry and request immediate removal. 
XXXX XX/XX/XXXX XXXX I did not authorize this inquiry. Reporting unauthorized inquiries violates FCRA XXXX ( a ). I demand deletion of this entry. 
XXXX XX/XX/XXXX XXXX This hard inquiry was not authorized. FCRA XXXX ( a ) requires written consent for reporting inquiries. Please remove this entry immediately. 
ROCKET MORTG XX/XX/XXXX Inquiry I did not consent to this inquiry. Unauthorized reporting violates FCRA XXXX ( a ). XXXX deletion is requested. 
XXXX XXXX XX/XX/XXXX XXXX This inquiry is inaccurate and unauthorized. FCRA XXXX ( a ) requires consent for all hard inquiries. Please remove this from my credit report. 
XXXX XX/XX/XXXX XXXX I did not authorize this inquiry. Reporting without consent violates my rights under FCRA XXXX ( a ). XXXX removal is requested. 
Requested Resolution : XXXX. Investigate each item thoroughly. 
XXXX. Correct all inaccurate late payments to reflect my verified payment history. 
XXXX. Delete all unverifiable charge-offs and accounts not associated with me. 
XXXX. Remove all incorrect addresses from my credit file. 
XXXX. Delete all unauthorized hard inquiries. 
XXXX. Provide written confirmation of all corrections or deletions. 
I assert my rights under the FCRA to ensure my credit report is accurate and complete. Continued reporting of inaccurate or unauthorized information XXXX result in further legal action.

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