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: VA

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies and false information being reported on my credit file by several creditors and data furnishers. These reporting errors have severely impacted my credit profile, and I am requesting immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ). 

Below are the specific issues I am disputing : 1. Wrong Addresses Reported The following addresses appearing on my credit report are incorrect and do not belong to me : XXXX XXXX, XXXX, VA XXXX XXXX XXXX, XXXX, VA XXXX These are not my residences, and I have no connection to these addresses. Their presence on my file indicates a possible data merge error or identity inaccuracy, and I request their immediate removal. 

XXXX. Charge-Off and Collection Accounts No Knowledge of These Accounts The following accounts are reported as charge-offs, but I have no knowledge of these accounts and have never opened or authorized them. They must be deleted immediately from my credit reports : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not have, nor have I ever had, any accounts with these creditors. These entries are inaccurate, damaging, and must be deleted for violating FCRA 602 ( A ), 607 ( B ), and 611 regarding accuracy and completeness of information. 

3. Late Payment Accounts Reporting Errors The following accounts are showing late payment histories, which are incorrect. I have never made any late payments on these accounts, and the reported data must be corrected immediately : XXXXXXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$720.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX High Balance : {$6000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX High Balance : {$420.00} Date Opened : XX/XX/XXXX These are reporting false late payment data, violating FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information known to be inaccurate. 

4. Bankruptcy Reporting There is a XXXX  XXXX Bankruptcy ( Case # XXXX ) dated XX/XX/XXXX showing on my file. I have never filed for bankruptcy, and this is an egregious error that requires immediate deletion from my record. 

XXXX. Inaccurate and Unverified Credit Inquiries The following inquiries appear on my report without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never applied for credit with these institutions and did not authorize these inquiries. They are unauthorized and must be removed under FCRA 604 ( a ). 

Requested Resolution I respectfully request the CFPB to : Conduct a full investigation into each of the above reporting errors.

Require all credit bureaus and furnishers to provide verifiable documentation proving the accuracy of each account. 

Delete all unverifiable, incorrect, or unauthorized data from my credit report immediately. 

Ensure that all creditors and data furnishers cease reporting inaccurate or unverified information about me. 

I am attaching a copy of my government-issued ID and proof of my current address for verification purposes. Please notify me in writing of the actions taken and the final resolution. 

Thank you for your time and for upholding consumer rights under 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 non-monetary relief