Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because multiple credit reporting agencies and furnishers are reporting incorrect, unverifiable, and legally non-compliant information on my consumer reports in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). I have attempted to resolve these issues directly, but they continue to report false and damaging information. 

Below is a detailed list of the inaccurate and harmful items : 1. WRONG ADDRESS REPORTING The following address is being reported, and I have never lived at, used, or been associated with this address : XXXX XXXX XXXX, XXXX, TX XXXX This is a serious FCRA violation ( Section 607 ( b ) ) because it indicates inaccurate and unverified personal information being published under my identity. 

I demand full deletion of this inaccurate address from all my credit reports. 

2. LATE PAYMENT ACCOUNT I HAVE NEVER BEEN LATE XXXX XXXX XXXX XXXX  High Balance : {$740.00} Date Opened : XX/XX/XXXX Status : Reported Late Payment This late payment is false and inaccurate. 
I have never made a late payment on this account. This violates : FCRA 607 ( b ) failure to ensure accuracy FCRA 611 failure to properly reinvestigate FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known to be inaccurate I demand immediate correction and removal of all late-payment history. 

3. CHARGE-OFF ACCOUNTS I HAVE NO KNOWLEDGE OF THESE ACCOUNTS The following accounts are reporting as charge-offs, but I have no knowledge of these accounts, never authorized them, and they remain unverified : XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) XXXX XXXX XXXX ( Opened XX/XX/XXXX ) Under FCRA 609 and 611, any account that can not be fully validated with original documentation must be deleted. To date, no furnisher has produced legally required verification. 

I request immediate deletion of these unverified charge-off accounts. 

4. COLLECTION ACCOUNTS UNVERIFIED & NOT MINE The following third-party collection accounts are being reported without proof of ownership, contract, or assignment : XXXX XXXX XXXX High Balance : {$5000.00} ( Opened XX/XX/XXXX ) XXXX XXXX XXXX High Balance : {$760.00} ( Opened XX/XX/XXXX ) XXXX XXXX XXXX High Balance : {$500.00} I have no knowledge of these accounts. 
These do not belong to me, and no validation has been provided. 

FCRA requires : Full chain of title Original signed contract Account-level documentation Since none has been provided, these accounts must be deleted immediately. 

5. UNAUTHORIZED / IMPROPER INQUIRIES The following companies have placed hard inquiries on my credit without my authorization or any permissible purpose under FCRA 604 : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries are illegal unless I granted written, documented consent. 
I did not, and they have failed to provide proof. 

I demand these unauthorized inquiries be removed. 

REQUEST FOR ACTION I am requesting that the CFPB require the credit bureaus and furnishers to : Delete the incorrect address Remove the false late-payment history Delete unverified charge-off accounts Delete all unverified collection accounts Remove all unauthorized inquiries Provide written confirmation of corrections These inaccurate items are severely damaging my credit, employment opportunities, and financial stability.

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