Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I am filing this formal complaint against multiple furnishers for reporting inaccurate, incomplete, and unverified information on my consumer credit reports. These errors violate FCRA XXXX ( A ), XXXX ( B ), XXXX ( A ), XXXX, and XXXX, and they are causing significant harm to my creditworthiness. 

I am requesting the CFPBs intervention to compel the furnishers and the credit reporting agencies to conduct a full, lawful investigation, provide proper documentation, and correct or delete all inaccurate items listed below. 

WRONG / INACCURATE ADDRESS REPORTING These addresses are completely inaccurate and do not belong to me : XXXX XXXXXX/XX/XXXXXXXX XXXX, FL XXXX Wrong Address Reporting wrong addresses creates a serious security concern and violates FCRA requirements for accuracy. 

I request immediate removal of this inaccurate address from all credit bureaus. 

ACCOUNTS REPORTING FALSE LATE PAYMENTS The following accounts are reporting late payments that are completely false. 
I have never made a late payment, and these furnishers have failed to provide any proof, billing statements, or contractual evidence validating such reporting. 

I am disputing these inaccurate derogatory marks and requesting correction of payment history to reflect Paid as Agreed / Never Late. 

Incorrect Late Payment Accounts : XXXX XXXXXX/XX/XXXX XXXX Balance {$32000.00} Opened XX/XX/XXXXXX/XX/XXXXXXXX Balance {$390.00} Opened XX/XX/XXXX XXXX XXXX Balance {$0.00} Opened XX/XX/XXXXXX/XX/XXXXXXXX XXXX Balance {$0.00} Opened XX/XX/XXXXXX/XX/XXXX XXXX XXXX Balance {$0.00} Opened XX/XX/XXXX XX/XX/XXXXXXXX Balance {$0.00} Opened XX/XX/XXXX XX/XX/XXXX XXXX Balance {$0.00} Opened XX/XX/XXXXXX/XX/XXXXXXXX Balance {$0.00} Opened XX/XX/XXXX XX/XX/XXXX XXXX XXXX Balance {$0.00} Opened XX/XX/XXXXXX/XX/XXXX XXXX XXXX {$0.00} Opened XX/XX/XXXXXX/XX/XXXXXXXX Balance {$0.00} Opened XX/XX/XXXXXX/XX/XXXXXXXX Balance {$0.00} Opened XX/XX/XXXXXX/XX/XXXX XXXX Balance {$0.00} Opened XX/XX/XXXXXX/XX/XXXXXXXX XXXX Balance {$0.00} Opened XX/XX/XXXXXX/XX/XXXXXXXX Balance {$0.00} Opened XX/XX/XXXX XX/XX/XXXX XXXX Balance {$0.00} Opened XX/XX/XXXX XXXXXX/XX/XXXXXXXX Balance {$0.00} Opened XX/XX/XXXX Requested Action : Correct payment history to Never Late / Paid as Agreed Provide documented proof if furnishers claim late payments exist ( billing statements, timestamps, original contracts ) CHARGE-OFF & COLLECTION ACCOUNTS I DO NOT RECOGNIZE The following accounts are not mine or can not be validated. 
These accounts violate FCRA XXXX ( a ) ( XXXX ) ( A ) because no original application, signature, contract, or proof of ownership has been provided. 

Unknown / Unverified Derogatory Accounts : XX/XX/XXXXXXXX Balance {$1700.00} Charge Off XX/XX/XXXXXXXX Balance {$0.00} Charge Off XXXX XXXX Balance {$890.00} Collection I request immediate deletion of these accounts from all consumer reporting agencies, as they are unverified and not mine. 

REQUEST FOR CFPB ACTION I am asking the CFPB to require : Full reinvestigation by all furnishers. 

Verification documentation, including : Original signed contract Full payment history Proof of late payment dates Ownership verification Correction of all inaccurate late payments. 

Deletion of all unverified charge-off and collection accounts. 

Removal of the incorrect address. 

These inaccuracies are harming my credit, violating my rights under the FCRA, and must be resolved immediately. 

DECLARATION I certify that the information in this complaint is true and correct to the best of my knowledge. I request CFPB assistance to ensure these violations are corrected promptly.

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