Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13985619
Complaint Overview
Complaint ID: 13985619
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Tennessee
ZIP Code: 38115
Date Received: 2025-06-09T12:00:00-05:00
Date Sent to Company: 2025-06-09T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Sir/Madam, I am writing to formally dispute and file a complaint regarding multiple inaccurate, misleading, and potentially duplicative Charge Off entries and erroneous address information appearing on my credit report, which are severely damaging my creditworthiness. Despite my prior dispute attempts, these issues remain unresolved. The inaccuracies include, but are not limited to, the following incorrect addresses associated with my credit file : XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX These addresses do not belong to me and their inclusion on my credit file is misleading and inaccurate. Furthermore, the following account continues to report a charge-off status erroneously : XXXX XXXX Account # XXXX * * * * * * * o High Balance : {$320000.00} o Date Opened : XX/XX/year> o Status : Late Payment ( incorrectly reported as charge-off ) Under the Fair Credit Reporting Act ( FCRA ), XXXXXXXX XXXX XXXXXXXX et seq., credit reporting agencies are required to maintain maximum possible accuracy of the information reported. Reporting inaccurate or duplicative negative information, such as charge-offs and incorrect addresses, constitutes a violation of the FCRA and causes unwarranted harm to my credit profile. I demand a thorough investigation into these inaccuracies, immediate deletion or correction of all erroneous entries, and confirmation of these actions in writing. Failure to comply with the FCRA will leave me no option but to pursue further legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Please treat this matter with the utmost urgency and ensure full compliance with all applicable laws. I expect a written response within XXXX days of your receipt of this complaint. Thank you for your prompt attention to this serious matter.
Frequently Asked Questions
What is Complaint #13985619 about?
Complaint #13985619 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-06-09T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.