Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16118426
Complaint Overview
Complaint ID: 16118426
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: Florida
ZIP Code: 333XX
Date Received: 2025-09-21T12:00:00-05:00
Date Sent to Company: 2025-09-21T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this formal complaint regarding multiple inaccurate, misleading, and unlawful items currently being reported on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Disputed Items : Address XXXX XXXX, XXXX, MI XXXX This address is not accurate and does not belong to my residency history. It is being reported without proper verification and is causing harm to my credit profile. XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance Reported : {$3600.00} Status : Charge-off This account is being reported inaccurately. The balance, status, and reporting practices are inconsistent with my records and federal guidelines. Additionally, the account was included in my bankruptcy proceedings, which makes the continued reporting of a charge-off inaccurate and misleading. Bankruptcy Reporting Reference # : XXXX Court : U.S. Bankruptcy Court While the bankruptcy filing is noted, certain accounts ( including XXXX XXXXXXXX ) that were discharged are still being reported as open, delinquent, or charged off. This is a direct violation of FCRA Section 607 ( b ), which requires credit reporting agencies to maintain maximum possible accuracy. Unauthorized XXXX XXXXXXXX XXXX Date : XX/XX/XXXX This inquiry was not authorized by me. Under FCRA, no entity has the right to access my credit file without permissible purpose. This inquiry must be removed immediately. Legal Violations : FCRA Section 607 ( b ) : Failure to ensure maximum possible accuracy of reported information. FCRA Section 611 : Failure to properly investigate disputes. FCRA Section 604 : Unauthorized access to my credit file. Requested Resolution : Immediate removal of the inaccurate address ( XXXX XXXX, XXXX, MI XXXX ). Deletion or correction of the XXXX XXXX account # XXXX to reflect bankruptcy discharge status, not as an open charge-off. Proper updating of bankruptcy reporting to ensure all discharged accounts are accurately reflected. Removal of the unauthorized XXXX XXXX inquiry dated XX/XX/XXXX. Written confirmation of corrections within 30 days, as required under the FCRA.
Frequently Asked Questions
What is Complaint #16118426 about?
Complaint #16118426 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 2025-09-21T12:00:00-05:00.
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.