Consumer complaint received 2025-09-17 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: SC

Complaint narrative:
I am writing to formally dispute and report multiple serious inaccuracies on my credit report that have caused significant financial and personal harm. These errors include wrong addresses, charge-offs, late payments, collections, and unauthorized inquiries. Each of these entries is factually incorrect or has been reported without proper verification, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) Sections 601, 602, 607, 609, 611, and 623. I demand immediate correction and removal of all inaccurate information. 
Wrong Addresses XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX This address has never been associated with me. Its inclusion on my credit report has caused confusion with lenders, led to mistaken identity issues, and has risked fraudulent activity being linked to me. I discovered this error when a lender called me regarding an application I never submitted. This situation has caused immense stress and wasted time correcting matters that were not my responsibility. Under FCRA Section 609, I have the right to request accurate reporting, and this incorrect address violates that provision. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I have never resided at this address. Its presence on my credit report has led to repeated denials of credit, unnecessary investigation by lenders, and confusion with debt collectors attempting to contact me. It has also caused reputational damage, as some organizations incorrectly assumed I had obligations associated with this location. FCRA Section 611 requires credit reporting agencies to investigate and correct inaccurate information, which has not been done in this case. 
Accounts Dispute XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX, High Balance : {$24000.00}, Charge Off I never opened or authorized this account. This incorrect charge-off portrays me as a delinquent borrower and has prevented me from accessing essential credit opportunities, including financing for a vehicle and home. I attempted to resolve this directly with XXXX but received no satisfactory response. FCRA Sections 611 and 623 ( b ) obligate credit reporting agencies to verify the accuracy of information before reporting, and this duty has been neglected. 
XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX, High Balance : {$740.00}, Charge Off This account has been falsely reported as a charge-off. I have never owed this debt. The presence of this inaccurate information has led to unjust denials of credit and unnecessary stress, including receiving collection calls and letters for an obligation that does not exist. Such reporting constitutes a violation of FCRA Section 611, which obligates credit reporting agencies to conduct a reasonable investigation of disputed items and correct inaccuracies. 
XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX, High Balance : {$980.00}, Late Payment This late payment is reported inaccurately. I have consistently paid my obligations on time, and this entry does not reflect my actual payment history. Its presence has caused unnecessary damage to my credit score, resulting in higher interest rates and denials for financial opportunities I qualified for. I have contacted SELF Financial to verify this, but the error remains uncorrected. Reporting false information violates FCRA Sections 607 ( b ) and 611, which require accurate reporting and proper investigation of disputed items. 
XXXX XXXX  XXXX Open Date : XX/XX/XXXX, High Balance : {$660.00}, Collection I have never had any obligation to XXXX XXXX  for this account. Its inclusion as a collection account is completely false and has caused denials for credit cards and personal loans, increased insurance premiums, and unnecessary collection communications. This inaccurate reporting violates FCRA Sections 611 and 623 ( b ), which require verification of accounts and removal of unverified or false information. 
XXXX XXXX Open Date : XX/XX/XXXX, High Balance : {$520.00}, Collection This collection account is reported in error. I have no connection to this account, yet it appears on my credit report as delinquent. As a result, lenders view me as high-risk, affecting my ability to secure necessary financing. Multiple attempts to resolve this directly with XXXX have failed, demonstrating a lack of reasonable investigation as required under FCRA Section 611. 
These inaccuracies have caused measurable financial harm, stress, and repeated obstacles to accessing credit. Reporting false, unverified, or unauthorized information violates my rights under the FCRA and continues to impact my credit profile. I request that the CFPB direct all credit reporting agencies to immediately investigate, remove, or correct all disputed items and provide written confirmation of these corrections. 
I reserve the right to pursue statutory damages and legal remedies under FCRA Sections 616 and 617 if these violations continue. Immediate attention is required to prevent further financial and personal harm. 
Thank you for your urgent attention and resolution of these matters.

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 explanation