Consumer complaint received 2025-11-01 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: TX

Complaint narrative:
I am submitting this formal complaint against the inaccurate and unlawful reporting of my consumer information by certain furnishers and credit reporting agencies. The violations below concern false address information, an unauthorized hard inquiry, and an improper charge-off account. I am demanding an immediate investigation, deletion, and correction of all erroneous data in compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address is inaccurate and not connected to me. It appears on my file without consent or verification. Under FCRA 607 ( b ) and 611 ( a ), agencies must maintain maximum possible accuracy and delete unverifiable personal data. Its continued presence misrepresents my identity and violates my consumer rights. 

XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX This charge-off is inaccurate and unverified. The original creditor has not produced any signed agreement or proof of default. Reporting unverifiable information violates FCRA 611 ( a ) and FDCPA 809 ( b ). Under FCRA 623 ( a ) ( 1 ) ( A ), the furnisher must report accurate information only. Until verification is provided, this account must be deleted. 

XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXXXXXX XXXX XXXX The data reported is inconsistent with actual records, and no proof of charge-off has been produced. Under FCRA 607 ( b ) and 611 ( a ), the bureau must verify accuracy and authenticity before continued reporting. False reporting without supporting evidence violates 623 ( a ) ( 1 ) ( A ). This item is unverifiable and must be removed. 

XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX This account is listed as charged off without any substantiated proof from XXXX XXXX. The creditor has failed to show signed contracts or validation documents as required by FDCPA 809 ( b ) and FCRA 611 ( a ). False data injures my consumer reputation, violating 623 ( a ) ( XXXX ). It must be deleted. 

XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$720.00} Late Payment * * The late payment information is incorrect and unverifiable. There is no record showing missed or delinquent payments during the reported period. FCRA 607 ( b ) requires accuracy, and 611 ( a ) requires deletion of unverifiable information. This false delinquency constitutes defamation of credit under 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} Chargeoff * * This charge-off is reported without valid documentation or original creditor verification. Under FCRA 611 ( a ) and 623 ( a ) ( 3 ), any unverified data must be corrected or deleted. Without proof of liability, continued reporting violates federal accuracy standards and causes harm to my consumer reputation. 

XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Chargeoff * * The reported balance of {$0.00} conflicts with a charge-off status, creating an inconsistency under FCRA 607 ( b ). Reporting contradictory information shows failure to maintain accurate records. Under 611 ( a ), unverifiable contradictions must be deleted immediately. 

XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} Chargeoff * * This account has been misreported as a charge-off. The creditor has not provided validation or original agreement proof. Under FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ), only verified information may be reported. Continued reporting without validation violates the accuracy provisions of the law. 

XXXX XXXX  Account XXXX XXXX XXXXXXXX Balance : {$1300.00} Collection XXXX XXXXXXXX XXXX has failed to provide proof of debt ownership or assignment from the original creditor. FDCPA 809 ( b ) prohibits collectors from reporting until validation is produced. FCRA 611 ( a ) ( 1 ) ( A ) requires deletion of unverifiable items. This collection must be removed immediately. 

XXXX Account XXXX XXXX XXXXXXXX Balance : {$2400.00} Collection XXXX XXXX This third-party collection lacks proper documentation or contract validation. Under FDCPA 807 ( 8 ) and 809 ( b ), collectors must validate before reporting. FCRA 623 ( a ) ( 3 ) mandates removal of inaccurate or unverifiable data. This account must be deleted from my file.. 

XXXX Account XXXX XXXX XXXXXXXX Balance : {$8200.00} Collection XXXX This account is being reported without proof of authorization or consumer consent. FCRA 607 ( b ) and FDCPA 809 ( b ) require verification before negative reporting. The lack of documentation violates my right to accuracy under 611 ( a ). This item is unverifiable and must be removed immediately. 

XXXX Date XXXX XXXXXX/XX/year> This inquiry is unauthorized and violates FCRA 604 ( a ) ( 2 ) and 604 ( f ). I did not provide written consent for any credit check. Any inquiry made without permissible purpose must be deleted immediately to protect my privacy rights. 

XXXX  XXXX  Date : XX/XX/year> This inquiry occurred without my authorization or application. Under FCRA 604 and 607 ( a ), the bureau must ensure permissible purpose. Since no consent or application exists, this inquiry is invalid and must be deleted. 

XXXX XXXX Date : XX/XX/year> This inquiry is unauthorized and violates FCRA 604 ( a ) and 607 ( a ). I did not initiate or approve any credit application. Reporting such unauthorized inquiries damages my file and must be deleted immediately. 

I request the XXXX intervention to ensure full compliance with the FCRA and FDCPA, deletion of all inaccurate data, and appropriate penalties for the parties involved. I am demanding all inaccurate or unverifiable information be permanently removed and confirmation provided to me in writing.

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