Consumer complaint received 2025-09-01 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 complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws are being violated. The credit bureaus and furnishers have failed in their duty to ensure maximum possible accuracy of my credit report under FCRA 602 ( A ), 607 ( B ), and 611, and they have also allowed unverifiable and outdated information to remain. These errors have caused me significant harm, including damage to my creditworthiness, emotional distress, and denial of financial opportunities. I am demanding that these inaccurate items be removed immediately after proper reinvestigation as required by law.

To Whom It May Concern, I am submitting this dispute to correct serious inaccuracies on my credit file. Under the Fair Credit Reporting Act ( FCRA ), every item reported must be 100 % accurate and verifiable. Any information that can not be proven with proper documentation from the original creditor must be deleted. These items harm my creditworthiness, misrepresent me, and block my fair access to credit. Below I have listed every wrong address, account, collection, and inquiry along with explanations of how they are incorrect and how they damage me.

Addresses XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX This address is not associated with me. Reporting an incorrect address creates confusion, can be linked to possible identity theft, and violates the FCRA requirement that only accurate information be reported. Maintaining false addresses on my file is misleading and must be deleted. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX This is also an inaccurate address. I have never lived or received mail at this location. Under the FCRA, credit bureaus are required to ensure maximum possible accuracy. Keeping this address creates the false impression of fraudulent activity or residence history and must be removed immediately. 

Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Balance {$1000.00} * * This account is being reported inaccurately as a charge-off. Creditors are required under 15 U.S.C. 1681s-2 to furnish accurate data. The reporting of this account as a charge-off is misleading and damaging. I have reason to believe this reporting is either unverifiable or incorrect, and therefore it must be removed if the furnisher can not provide complete verification. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Balance {$990.00} * * This account shows late payments that are not accurate. The FCRA mandates that derogatory information must be reported fairly and accurately. Reporting incorrect late payments without proper validation unfairly damages my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Balance {$0.00} * * It is inconsistent to report an account as charged off with a balance of {$0.00}. This creates confusion and is misleading. Either the account is closed and paid or it should not be reported as a derogatory charge-off. 

XXXX XXXX XXXX XXXX XXXX Charge Off Balance {$20000.00} XXXX XXXX This XXXX XXXX account is reported as a charge-off. If the account was discharged or otherwise resolved, reporting it as charged off is inaccurate. Under FCRA 1681e ( b ), the bureau must ensure accuracy, and reporting unverifiable derogatory information violates this obligation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Balance {$980.00} * * This account is showing late payments that do not match my records. Furnishers are required to investigate disputes under FCRA 1681s-2 ( b ). Unless the creditor can validate this data with proper documentation, it must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Balance {$660.00} * * The reporting of this charge-off is questionable, especially given inconsistencies in dates and balance history. Inaccurate reporting violates the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Balance {$750.00} * * This account is being reported as charged off. If XXXX XXXX can not validate the accuracy with original documentation, the bureau must delete it under FCRA 1681i. 

XXXX XXXXXXXX XXXX XXXX XXXX Charge Off Balance {$880.00} * * This second XXXX XXXX account also shows a charge-off. Reporting multiple accounts with similar errors suggests systemic inaccuracy. This reporting must be verified or deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Balance {$0.00} * * Again, reporting a {$0.00} balance account as charged off is contradictory and misleading. This must be corrected or deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Balance {$0.00} * * This account shows late payments despite reporting a XXXX balance. This inconsistency can not remain under the FCRA. 

XXXXXXXX XXXX XXXX  Late Payment Balance {$0.00} * * This reporting is inaccurate. With a XXXX balance, late payment notations are unfair and misleading. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Balance {$0.00} * * This derogatory status with a XXXX balance misleads creditors and violates FCRA accuracy standards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Balance {$0.00} * * This account is reported with late payments despite showing a XXXX balance. Reporting derogatory late marks on a paid or closed account is misleading. The FCRA 1681e ( b ) requires credit bureaus to maintain maximum possible accuracy, and reporting inaccurate late payments violates this duty. Unless the furnisher can validate the late history with original records, this account must be corrected or removed. 

XXXX XXXX Late Payment Balance {$0.00} * * This tradeline shows late payments but no balance. It is contradictory and harms my credit unfairly. The FCRA does not permit unverifiable derogatory reporting. This must be investigated and corrected immediately. 

XXXX XXXX Late Payment Balance {$0.00} * * This account is reported with late payments but has a XXXX balance. Without proof of missed payments, this information is unverifiable. The FCRA requires deletion of unverifiable data, and this reporting must be removed. 

XXXX XXXX Late Payment Balance {$0.00} * * Again, this account reflects late payments that are not supported by documentation. XXXX balance accounts with negative marks are misleading. Unless XXXX provides validation, this must be deleted. 

XXXX XXXX Late Payment Balance {$0.00} * * This account reports late history that is inaccurate. The FCRA 1681i requires reinvestigation and deletion if information can not be verified. Without full records proving actual delinquency, this tradeline must be corrected. 

XXXX XXXX Late Payment Balance {$0.00} * * This account shows derogatory history that is misleading. A XXXX balance account should not reflect late payments without clear proof. Reporting unverifiable negatives violates federal law. 

XXXX XXXX Late Payment Balance {$0.00} * * This tradeline is inaccurate. Late payment reporting with no balance is inconsistent. I demand validation of these lates, or the bureau must delete the account. 
XXXX XXXX Late Payment Balance {$0.00} * * Another XXXX account reporting inaccurately. Derogatory late marks without proper validation can not remain. This must be removed under the FCRA. 

DEPTED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Late Payment Balance {$0.00} * * This Department of EducationXXXX account reports late payments despite showing no balance. Such reporting is inaccurate and harmful. The FCRA requires deletion if unverifiable. 

DEPTED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Late Payment Balance {$0.00} * * This account is incorrectly showing derogatory payment history. XXXX balance accounts must not show lates without validation. It must be removed if the furnisher can not provide accurate documentation. 

DEPTED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Late Payment Balance {$0.00} * * This account is another example of inaccurate late reporting. Without supporting documentation, these derogatories are unverifiable. They must be deleted under the FCRA. 

DEPTED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Late Payment Balance {$0.00} * * This reporting is misleading and unverifiable. With no balance, reporting lates is inaccurate and damaging. This must be corrected or deleted. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Balance {$0.00} * * A late payment with a XXXX balance is inconsistent and misleading. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Balance {$620.00} * * This account is reported as charged off, yet the reporting is inconsistent with payment history. Such inaccuracies must be corrected. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Balance {$0.00} * * This is another contradictory reporting with a XXXX balance, and must be removed. 

XXXX XXXX XXXX XXXX Late Payment Balance {$0.00} * * This late payment reporting with no balance is misleading and inaccurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Collection Balance {$620.00} * * This collection account is inaccurate and unverifiable. If validation can not be produced, it must be removed immediately. 

XXXX XXXX XXXX XXXX Collection Balance {$270.00} * * This collection entry is unverified and damaging. Under FCRA and FDCPA, it must be validated or deleted. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Balance {$990.00} XXXX XXXX  This is reported as a collection but is unverifiable. XXXX XXXX must provide original validation of this debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection Balance {$890.00} XXXX XXXX  This account is reported as a collection inaccurately. If not validated properly, it must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Balance {$610.00} and {$1800.00} XXXX XXXX Two separate collection entries are listed for XXXX  XXXX. Duplicate and inconsistent reporting violates the FCRAs accuracy standards and must be corrected. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Balance {$600.00} XXXX * Unverified and inaccurate reporting. If validation is not provided, it must be deleted. 
XXXX XXXX XXXX Collection Balance {$0.00} XXXX  This account reports as a collection with XXXX balance, which is contradictory and misleading. 
with complete documentation. If these items are not corrected within 30 days, you will be in violation of federal law. I expect a reinvestigation and full deletion of the disputed items. 

Inquiries XXXX XXXX  This inquiry was not authorized by me. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), a consumer reporting agency may only provide my report to entities with a permissible purpose. I did not apply for credit with XXXX on or around this date, and no permissible purpose exists. Reporting this inquiry is a violation of the FCRA and must be deleted. 

XXXXXXXX XXXX XXXXXX/XX/XXXX This hard inquiry is inaccurate. I never applied for any credit product with XXXX XXXX. Reporting inquiries that were not authorized creates a false impression of my credit-seeking behavior and unfairly lowers my score. It must be removed under the FCRA. 

XXXXXXXX XXXX XXXXXX/XX/XXXX This inquiry is not valid. I did not authorize XXXX XXXX  to access my credit report. Without my consent or a permissible purpose, this inquiry is unlawful. Please delete this from my file. 

XXXX XXXX XX/XX/XXXX This inquiry is being reported without my authorization. I never submitted a credit application with XXXX XXXX. Under the FCRA, inquiries made without consent must be removed immediately. 

XXXX XX/XX/XXXX This inquiry is unauthorized. I have no relationship with XXXX and did not apply for credit through them. Keeping this on my file is damaging and inaccurate. It must be deleted. 

XXXX XXXX XX/XX/XXXX This inquiry was made without my knowledge or approval. I never granted XXXX XXXX permission to access my credit report. This is a violation of FCRA 1681b and must be deleted immediately. 

XXXX XX/XX/XXXX This inquiry is not valid. I never provided authorization to XXXX for a credit check. Hard inquiries must have a permissible purpose ; since this one does not, it must be removed. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry is not connected to any application I made. Allowing an unauthorized party to pull my report violates federal law. This inquiry must be deleted. 

XXXX XXXXXX/XX/XXXX I did not authorize this inquiry. XXXX has no permissible purpose under the FCRA to access my file. Reporting this is unlawful and must be deleted. 

XXXX XXXX XX/XX/XXXX This inquiry was not authorized. I never applied for a XXXX XXXX on or near this date. Any inquiry without consumer consent or a clear permissible purpose violates the FCRA and must be removed. 


I am requesting the Consumer Financial Protection Bureau ( CFPB ) to take enforcement action and ensure these violations of the Fair Credit Reporting Act are corrected immediately. The presence of these wrong addresses, inaccurate late payments, an unverifiable charge-off, and unauthorized inquiries violates my rights under FCRA 602 ( A ), 607 ( B ), 611, 623, and 604. I demand a full reinvestigation of each item and the permanent deletion of unverifiable or inaccurate information. If these violations are not corrected, I am prepared to escalate further with legal action.

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