Consumer complaint received 2025-05-13 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 filing this complaint regarding the unlawful and improper use of my consumer credit report by credit bureaus and furnishers in direct violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and other consumer protection laws. These violations include the continued reporting of inaccurate and unverifiable information, failure to conduct reasonable reinvestigations, and improper handling of identity theft claims. 

The specific accounts in question are : Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2900.00} Status : Charge-Off Issue : No proof of ownership, no original signed agreement, and no full accounting provided. This account was reported as charged off but is still being listed as collectiblea misrepresentation under FCRA and IRS guidelines. 

Account Name XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} Status : Charge-Off Issue : Reported without validation or supporting documents. Charged-off debts must be accompanied by a Form 1099-C if canceled and can not be reported as due if classified as income by the IRS. This entry misrepresents the debt status. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$7000.00} Status : Charge-Off Issue : No documentation has been provided verifying ownership, proper servicing, or current status. Without a full chain of assignment or signed contract, this entry violates both FCRA and FDCPA. 

Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$5800.00} Status : Charge-Off Issue : Reporting of a charged-off balance without validation is misleading and unlawful. There is no Form 1099-C, no billing history, and no contract available. This entry remains unverified and improperly reported. 

Account Name : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Balance : {$1800.00} Status : Charge-Off Issue : Continued reporting of this charge-off as collectible is unlawful without validation. Under the IRS and FCRA, charged-off amounts must not be treated as due unless proven otherwise. No supporting documentation has been provided.

I have previously notified both the credit reporting agencies and the furnishers regarding these inaccuracies, yet no corrective action has been taken. Under 15 U.S.C. 1681i, credit bureaus are legally required to conduct a reasonable reinvestigation of disputed information and delete unverifiable data within 30 days. Furthermore, under 15 U.S.C. 1681b, a credit inquiry must have a permissible purpose, and I demand written proof that I authorized the reported inquiries.

Additionally, as a victim of identity theft, I have attached my FTC Identity Theft Report ( Report Number : XXXX ) as proof of fraudulent activity on my file. Under 15 U.S.C. 1681c-2, credit bureaus are required to block fraudulent information from a victims report within four business days of receiving proper notice. Despite my formal disputes, these bureaus have failed to comply, exacerbating the financial harm I have suffered.

This ongoing misconduct is consistent with the CFPBs current lawsuit against the credit bureaus, which highlights widespread FCRA violations and deceptive practices in consumer reporting. Their noncompliance continues to result in financial hardship, including credit denials and employment barriers, and demonstrates a willful disregard for federal consumer protectionlaws.

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