Consumer complaint received 2025-09-27 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: IN

Complaint narrative:
I am filing this complaint against multiple creditors, furnishers, and credit reporting agencies for reporting false, inaccurate, and unverifiable information on my credit reports. These inaccuracies have caused me severe emotional distress, financial harm, denial of credit, higher interest rates, and reputational damage. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws, I request immediate investigation and correction of the following items : Wrong Addresses ( Never lived at these, completely false and harmful ) : XXXX XXXX XXXX, IN XXXX Wrong Address I have never lived or been associated with this address. Reporting it on my credit file creates the false impression of instability and opens the door for potential identity theft issues. This is a violation of FCRA Section 609 ( a ) ( 1 ), which gives me the right to accurate identifying information, and FCRA Section 607 ( b ), which requires credit bureaus to assure maximum possible accuracy. Because this address is unverifiable and unrelated to me, it must be deleted immediately. 
XXXX XXXX XXXX, OH XXXX Wrong Address This is not and has never been my residence. Including this in my file damages my credibility and gives creditors the false idea that I may have multiple locations tied to my name. Under FCRA Section 611 ( a ), I have the right to dispute any information I believe is inaccurate, and the bureau is required to reinvestigate and remove unverifiable information. Since there is no evidence linking me to this address, its reporting is unlawful. 
Accounts with False Late Payment Status ( I never paid late, reporting is false and defamatory ) : XXXX XXXX XXXX * * * High Balance : {$2600.00} Date Opened : XX/XX/XXXX Late Payment I dispute this reporting as inaccurate. I never missed or delayed any payments on this account. Reporting false derogatory history violates FCRA Section 623 ( a ) ( 1 ) ( A ), which requires furnishers not to report information they know or should know is inaccurate. It also violates FCRA Section 607 ( b ) for failure to maintain accuracy. I demand correction and deletion of the false remark. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$4000.00} Date Opened : XX/XX/XXXXXXXX  Late Payment This is another false late payment remark. I made all payments responsibly, and no proof exists of delinquency. Under FCRA Section 611 ( a ) ( 1 ) ( A ), the bureau must reinvestigate my dispute within 30 days and correct inaccurate information. Under FCRA Section 623 ( b ), the furnisher must investigate and delete unverifiable data. I demand immediate correction. 
XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXXXXXX  Late Payment This reporting is defamatory and damaging to my reputation. I never paid late, and XXXX has failed to provide verifiable proof. This violates FCRA Section 623 ( a ) ( 1 ) ( prohibition on reporting inaccurate information ) and FCRA Section 611 ( a ) ( 5 ) ( requirement to delete unverifiable information ). Continued reporting also exposes them to liability under FCRA Section 616 for negligent noncompliance. 
XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXX Late Payment This is a duplicate and false entry, making my credit file look worse than it really is. Double-reporting false information is a serious violation of FCRA Section 602 ( A ) ( 2 ), which ensures that consumer reporting is not misleading. It also violates FCRA Section 607 ( b ) because maximum accuracy is not being met. I demand immediate removal. 
DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXXXXXX  Late Payment This false late payment is a direct violation of FCRA Section 623 ( a ) ( 1 ) ( B ), which prohibits furnishers from reporting information without proper verification. By allowing this derogatory mark to remain, the credit bureaus are also in violation of FCRA Section 611 ( c ), which requires prompt deletion of inaccurate or unverifiable information. 
DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXX Late Payment This inaccurate late payment remark is harming my financial standing. No evidence supports this derogatory mark. Under FCRA Section 623 ( b ) ( 1 ) ( D ), a furnisher must delete information that is found to be inaccurate or unverifiable after investigation. Keeping this false entry exposes them to liability under FCRA Section 617 for willful noncompliance. I demand correction immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$4500.00} Date Opened : XX/XX/XXXXXXXX  Charge Off I have no knowledge of this account being charged off, and I dispute this reporting. Reporting a Charge Off without providing legal proof of default is a violation of FCRA Section 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. It also violates FCRA Section 607 ( b ), which requires maximum possible accuracy. This entry is damaging and must be deleted immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXX Charge Off This is another false Charge Off remark tied to the same timeframe. No evidence has been provided to support such a serious derogatory status. Under FCRA Section 611 ( a ) ( 5 ) ( A ), unverifiable information must be deleted from my file. Continued reporting without proof is considered negligent under FCRA Section 616, and I demand deletion. 
XXXX XXXX XXXX XXXX High Balance : {$4500.00} Date Opened : XX/XX/XXXXXXXX  Late Payment This reporting is inaccurate and misleading. I never paid late on this account. Reporting false delinquency harms my credit score and violates FCRA Section 623 ( a ) ( 1 ) ( B ), which forbids reporting of unverified negative information. Under FCRA Section 611 ( a ) ( 1 ) ( A ), the bureau must reinvestigate and correct this error. 
XXXX XXXXXXXX XXXX XXXX High Balance : {$4500.00} Date Opened : XX/XX/XXXX Late Payment This duplicate entry compounds the damage by making my file appear more delinquent than it is. Double-reporting is unlawful and violates FCRA Section 602 ( A ) ( 2 ), which ensures reports are not misleading. Under FCRA Section 611 ( c ), duplicate and unverifiable entries must be removed. 
DEPTEDXXXX XXXX XXXX XXXX XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXX Late Payment This late payment remark is false. I never defaulted or delayed payment. Reporting derogatory history without proof is a violation of FCRA Section 623 ( b ) ( 1 ) ( A ), which requires furnishers to investigate and correct inaccuracies. I demand immediate correction. 
DEPTEDXXXX XXXX XXXX XXXX XXXX  High Balance : {$4500.00} Date Opened : XX/XX/XXXX Late Payment This reporting is equally false and damaging. No records substantiate this claim. Under FCRA Section 611 ( a ) ( 5 ) ( B ), the bureau must delete unverifiable data. Failure to remove this false information makes the bureau liable for negligent noncompliance under FCRA Section 616. 
DEPTEDXXXX XXXX XXXX XXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Late Payment This remark is inaccurate. I have no record of being late on this account. Reporting false late payments is a violation of FCRA Section 607 ( b ) ( accuracy requirement ) and FCRA Section 623 ( a ) ( 1 ) ( duty of furnishers ). I demand immediate deletion of this false information. 
DEPTEDXXXX XXXX XXXX  XXXX XXXX High Balance : {$1600.00} Date Opened : XX/XX/XXXX Late Payment This entry repeats the same false narrative. It is deceptive and harmful to my financial reputation. Under FCRA Section 611 ( a ) ( 1 ), I am exercising my right to dispute this reporting, and I demand its removal due to lack of proof. 
DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$1800.00} Date Opened : XX/XX/XXXX Late Payment I dispute this reporting as false. No actual late payment exists, and no documentation has been provided. Under FCRA Section 623 ( b ) ( 1 ) ( D ), information found to be inaccurate or unverifiable must be deleted. This derogatory mark is unlawful and must be corrected. 
DEPTEDXXXX XXXX XXXX XXXX XXXX High Balance : {$1600.00} Date Opened : XX/XX/XXXX Late Payment This entry is inaccurate, misleading, and harmful. Under FCRA Section XXXX ( a ) ( XXXX ), consumer reporting agencies must delete or modify information that can not be verified. If the furnisher can not provide evidence, this entry must be removed immediately. 
DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$830.00} Date Opened : XX/XX/XXXX Late Payment This account is wrongly marked with a late payment. I never paid late, and no proof has been provided. Reporting false delinquency violates FCRA Section 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know is inaccurate. Under FCRA Section 611 ( a ) ( 5 ), unverifiable data must be deleted. I demand immediate correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$14000.00} Date Opened : XX/XX/XXXX Late Payment This reporting is inaccurate. I have always maintained timely payments and dispute any record of delinquency. Under FCRA Section 607 ( b ), the credit bureau must assure maximum possible accuracy. Under FCRA Section 623 ( b ) ( 1 ), the furnisher must investigate and correct or delete false reporting. I demand removal of the false late payment status. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$660.00} Date Opened : XX/XX/XXXX Collection I have no knowledge of this collection account and dispute it in full. No contract, proof of debt, or validation has been provided to me as required under FDCPA Section 809 ( 15 U.S.C. 1692g ). Reporting this as a valid collection without verification is also a violation of FCRA Section 623 ( a ) ( 3 ). This collection must be deleted immediately. 
XXXXXXXX XXXX XXXX XXXX  XXXX : {$300.00} Date Opened : XX/XX/XXXX Collection I do not recognize this account. No agreement, contract, or validation has been provided. Reporting an unverified collection violates FCRA Section 611 ( a ) ( 1 ) and FDCPA Section 807, which prohibits false representation of debt. This entry is causing harm and must be permanently deleted. 
Unauthorized / Questionable Inquiries ( all dated XX/XX/XXXX ) : XXXX XXXX Inquiry I did not authorize this inquiry. Reporting unauthorized hard inquiries violates FCRA Section 604 ( a ) ( 3 ), which limits permissible purposes. This inquiry must be removed. 
XXXX XXXX XXXX Inquiry I never granted authorization for this company to pull my report. This is an impermissible inquiry under FCRA Section 604 ( a ). It must be deleted. 
XXXX XXXX XXXX  Inquiry This inquiry is disputed as unauthorized. Any pull without written consent or a legitimate business need violates FCRA Section 604 ( c ). This must be removed. 
XXXX Inquiry I dispute this inquiry because I never applied for credit with this company. This is a violation of my rights under FCRA Section 604 ( a ) ( 2 ). 
XXXX XXXX Inquiry I never authorized this inquiry. Under FCRA Section 607 ( a ), consumer reporting agencies must ensure inquiries are only shown if legally permissible. This must be deleted. 
Requested Resolution : 1. Immediate removal of unverifiable collection accounts.

2. Correction of all false late payment reporting.

3. Deletion of all unauthorized inquiries.

4. Written confirmation of corrections within the statutory 30-day investigation period under FCRA 611 . 
Conclusion : The continued reporting of inaccurate, unverifiable, and unauthorized information violates federal law and causes irreparable harm to my financial stability. I respectfully request that the CFPB enforce compliance and require the credit bureaus and furnishers to correct or delete the above-mentioned items immediately.

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 explanation