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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate, misleading, and unauthorized information being reported on my credit report. These items are in direct violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 
Wrong Addresses XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address I have never lived at this location, never signed a lease here, never received bills or mail here, and have no legal or financial connection to this property. The reporting of this address is dangerous because it creates a false identity trail, suggesting I lived at a place I never resided. Wrong addresses can lead to mistaken identity, fraudulent activity, and denial of credit opportunities. Under FCRA 1681e ( b ) credit bureaus must maintain the maximum possible accuracy of consumer information. Leaving this false address on my file creates the impression that I lived in multiple unrelated locations, which could raise red flags for lenders, landlords, and employers. This is damaging, misleading, and must be deleted. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address is not my residence and was never associated with me. I never received mail, utilities, or financial documents here. Wrong address reporting has a serious negative impact because it can connect me to debts, legal cases, or fraudulent activity that do not belong to me. The credit bureaus have a legal responsibility under FCRA 607 ( b ) to ensure personal information reported is accurate and belongs only to the consumer in question. By attaching me to this wrong address, you are suggesting I may have multiple hidden residences, which is untrue and defamatory. This false reporting must be corrected immediately. 
Accounts in XXXXXXXX XXXX XXXX XXXXXXXX Account XXXXXXXX XXXX  High Balance : {$1700.00} | Date Opened : XX/XX/XXXX | Status : Charge Off This account is reported as a charge off, but I dispute its accuracy. I have never been provided with original signed documentation proving the legitimacy of this debt. No billing statements, contracts, or breakdown of the alleged balance have been produced. Reporting a charge off without proper validation violates FCRA 609 ( a ) ( 1 ) ( my right to original documentation ), FCRA 611 ( a ) ( duty to reinvestigate disputed items ), and FDCPA 807 ( prohibiting false representation of debt ). This account has caused real harm including credit denials, higher interest rates, and unnecessary stress. If you can not provide full proof from the original creditor, this charge off must be deleted immediately as required by law. 
Harm and Impact These false accounts, late payments, and unauthorized inquiries have caused me significant harm including denial of credit, higher costs of borrowing, emotional distress, and reputational damage. My credit file is inaccurate and does not reflect my true financial behavior.

Requested Resolution I am requesting that the CFPB investigate these violations and require the credit bureaus and furnishers to : 1. Delete the inaccurate charge off from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Correct or delete the late payment reporting from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Delete the unauthorized inquiry from XXXX XXXX  dated XX/XX/XXXX XXXX. Delete the unauthorized inquiry from XXXX XXXX dated XX/XX/XXXX XXXX. Delete the duplicate inquiry from XXXX XXXX dated XX/XX/XXXX XXXX. Provide me with written confirmation of all corrections and deletions These items are in violation of my rights under the FCRA, and I am requesting immediate corrective action to restore accuracy to my credit report.

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