Consumer complaint received 2025-08-21 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: LA

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies for knowingly reporting false, inaccurate, and unverified information on my consumer credit report. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 602 ( A ) which states that consumer reporting agencies must assure maximum possible accuracy of information. The following accounts and inquiries are incorrect, incomplete, or not verifiable, and I am demanding immediate reinvestigation and deletion. These items are causing me severe financial harm, loss of credit opportunities, denial of loans, higher interest rates, and emotional distress. I never authorized nor consented to these items being reported in such a false and damaging way. I am attaching my full list of disputes below and I request the CFPB to hold the credit bureaus accountable for failing their duty to maintain accurate records. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Law : FCRA 611 and 607 ( b ) Issue : This address is not mine and is reported in error Story : I have never lived at this address, never received mail at this address, and never used it for any financial purpose. Its presence on my report creates confusion, raises identity theft concerns, and misrepresents my true residency history. This incorrect address must be deleted immediately. 

Address : XXXX XXXX XXXX XXXX, LA XXXX Law : FCRA 611 and 607 ( b ) Issue : Inaccurate address attached to my file Story : I do not have any association with this property. The reporting of this address is misleading and harmful, as it can cause creditors to associate me with residences I have no connection to. This address must be removed to maintain accuracy and integrity of my credit report. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Chargeoff * * Law : FCRA 611, 609, 623 ( a ) ( 1 ) ( A ) Issue : Reporting shows charge-off despite a {$0.00} balance, which is inconsistent and misleading Story : A {$0.00} balance should not be reported as a charge-off. This inconsistency proves the account is being inaccurately reported. I dispute this account because it is unverifiable and misleading. Please provide full documentation or remove this account completely. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$880.00} Status : Chargeoff * * Law : FCRA 611, 623 ( a ) ( 1 ) ( A ), FDCPA 807 ( 8 ) Issue : Reporting a charge-off with outstanding balance Story : I dispute this account because I was not properly notified of any charge-off, and the balance shown is questionable. Without valid proof and complete records, this account can not be reported under federal law. If verification can not be provided, it must be deleted immediately. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Chargeoff Law : FCRA 611, 623 ( a ) ( 1 ) ( A ) Issue : Reporting a charge-off with no balance owed Story : It is misleading and inaccurate to report an account as charged off when the balance is {$0.00}. This makes no sense and proves the information is unreliable. Unless you can provide evidence that justifies this reporting, the account must be removed from my file. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$61.00} Status : Collection * * Law : FCRA 611, 609, FDCPA 809 ( b ) Issue : Collection reported without proper verification Story : I was never contacted or given validation of this debt by the collector. Reporting this as a collection without proper notice is a direct violation of federal consumer protection laws. If proof of debt is not provided, this item must be deleted. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3900.00} Status : Collection * * Law : FCRA 611, 623 ( a ) ( 1 ) ( A ), FDCPA 807 ( 8 ) Issue : Collection account may be inaccurate and unverifiable Story : I never received proper validation of this debt. Without written notice and proof, this reporting is false and unlawful. Please delete this account if full documentation can not be provided. 

Account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$740.00} Status : Collection * * Law : FCRA 611, 623 ( a ) ( 1 ) ( A ), FDCPA 809 ( b ) Issue : Collection may be reporting in error Story : I have no knowledge of this debt, and I was not contacted about it by any collector. Because I never gave consent and never received validation, this account must be deleted unless complete verification is produced. 

Account : XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Status : Collection * * Law : FCRA 611, 623 ( a ) ( 1 ) ( A ), FDCPA 807 ( 8 ) Issue : Inaccurate and unverifiable collection account Story : I do not recognize this account and never authorized such debt. Reporting it harms my creditworthiness and creates an unfair profile. Please delete unless you can provide complete validation and contractual agreement. 

Inquiry XXXX XXXX  Date : XX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ), 607 Issue : Unauthorized inquiry damaging my file Story : I never applied for credit with this company, and they had no permissible purpose to access my report. This inquiry must be deleted. 

I request that the CFPB take immediate action against the credit reporting agencies for failing to maintain maximum possible accuracy, failing to properly reinvestigate, and for allowing unauthorized inquiries on my report. These errors are causing me ongoing financial and emotional harm. I demand that the CFPB direct the agencies to delete these inaccurate accounts and inquiries permanently and hold them accountable for violating the Fair Credit Reporting Act.

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