Consumer complaint received 2026-05-19 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 address serious inaccuracies and unverifiable information appearing on my credit report. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy of all information reported. Despite multiple attempts to dispute these inaccuracies, the information continues to be reported without adequate verification. I request immediate investigation and compliance with federal consumer protection laws. The following addresses are unfamiliar to me, do not belong to me, and are being reported inaccurately on my consumer file. I request immediate deletion of these addresses from my credit profile : XXXX XXXX XXXX, TX XXXX This address has never been associated with me in any capacity. I do not receive mail at this location and have no knowledge of its connection to my file. Please remove this inaccurate address immediately pursuant to FCRA 609 and 611. XXXX XXXX XXXX XXXX XXXX, AZ XXXX I have no knowledge of this address, and it is not connected to my personal residence history. Reporting inaccurate personal identifying information creates substantial risk of mixed or inaccurate credit reporting. Please delete this address immediately. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$8900.00} XXXX XXXX I have no knowledge of this alleged account, and I dispute the accuracy and ownership of this tradeline in its entirety. This account appears to be reporting inaccurate charge-off information that can not be properly verified. Please provide all original signed contractual documents bearing my signature, complete payment history, and method of verification used during your investigation. If this information can not be fully verified pursuant to FCRA 609 and 611, this account must be permanently deleted from my credit file immediately. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$5400.00} XXXX XXXX I do not recognize this account and have no knowledge of entering into any contractual obligation with this creditor. The reporting of this charge-off account is inaccurate, misleading, and damaging to my credit standing. Please conduct a thorough reinvestigation and provide competent evidence proving this account belongs to me. In the absence of verified documentation, I request immediate deletion of this account pursuant to FCRA 611 and 623. XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$15000.00} I dispute this account in full because I have no knowledge of this alleged obligation. The information being reported appears incomplete and unverifiable. Please provide copies of any signed agreements, account statements, and evidence validating the accuracy of this account. If you can not provide proper verification, this account must be deleted immediately from my TransUnion report. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$990.00} XXXX XXXX I have no knowledge of this alleged XXXX account and dispute the reporting of this charge-off account entirely. Reporting unverified information violates my rights under the FCRA. Please investigate this account carefully and provide documentary proof that this account belongs to me. If verification can not be completed accurately, I request permanent deletion of this tradeline immediately. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$230.00} XXXX XXXX I do not recognize this collection account and have no knowledge of any debt associated with this company. This account is inaccurate and highly questionable due to the lack of proper verification. Please provide competent evidence, including any signed agreement or billing records, proving legal responsibility for this debt. If such documentation can not be produced, delete this account immediately pursuant to the FCRA. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$98000.00} XXXX XXXX This account is inaccurately reporting late payment history that does not reflect my actual payment conduct. I dispute the reported late payments and request a complete investigation into the payment history being furnished. Please review the accuracy of all reported delinquency dates, payment status codes, and account history. If the late payment information can not be verified as completely accurate, I request that the inaccurate late payments be removed or corrected immediately pursuant to FCRA 611 and 623. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$73000.00} XXXX XXXX The late payment history being reported on this account is inaccurate and misleading. I request a complete investigation into the payment records associated with this account, including the dates and status of any alleged delinquencies. Please ensure that all information being reported complies fully with the maximum possible accuracy standards required under FCRA 607 ( b ). Any inaccurate late payment reporting must be corrected or removed immediately. XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$260000.00} XXXX XXXX I dispute the late payment reporting associated with this account because the information being furnished appears inaccurate and incomplete. Please conduct a detailed reinvestigation into the account history and verify the validity of all reported derogatory information. If the reported late payments can not be fully substantiated with competent evidence, I request immediate correction or deletion of the inaccurate payment history. XXXX XX/XX/XXXX I did not authorize this inquiry, and I have no knowledge of providing permissible purpose for access to my consumer report. Please provide documentation containing my signature authorizing this inquiry. If no such documentation exists, this inquiry must be removed immediately pursuant to FCRA 604. XXXX XXXX XXXXXX/XX/XXXX This inquiry was not authorized by me, and I dispute its presence on my consumer report. I request complete documentation demonstrating permissible purpose under the FCRA. If authorization can not be verified, please delete this inquiry immediately. XXXX XXXX XXXX XX/XX/XXXX I have no knowledge of this inquiry and did not provide consent for my credit report to be accessed. Please investigate this matter thoroughly and provide evidence of authorization. In the absence of permissible purpose documentation, remove this inquiry immediately from my file. XXXX XX/XX/XXXX This inquiry is unauthorized and inaccurate. I did not authorize this company to access my consumer report. Please provide proof of authorization bearing my signature or delete this inquiry immediately pursuant to FCRA 604. XXXX XXXX XXXX XXXXXX/XX/XXXX I dispute this inquiry because I have no knowledge of authorizing this company to access my credit file. Please investigate this inquiry and provide documentation supporting permissible purpose. If verification can not be provided, I request immediate deletion from my credit report. In closing, I request that the credit reporting agencies and furnishers fully comply with the Fair Credit Reporting Act by conducting a proper investigation and removing any information that can not be accurately verified. Under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable information must be deleted promptly from my credit file.

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