Consumer complaint received 2025-07-01 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: MI

Complaint narrative:
To Whom It May Concern, I am filing this complaint against TransUnion for their continued failure to maintain accurate and verifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite previous dispute efforts, the following items are being reported inaccurately or without proper verification, which is damaging my credit reputation and limiting my access to financial opportunities. 

Disputed Accounts and Issues : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment This account is reporting a late payment although it has a {$0.00} balance and is closed. Reporting payment history on a {$0.00} balance account is misleading and violates FCRA XXXX ( b ). 

XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Charge-Off This account is reporting a charge-off with no outstanding balance. Reporting derogatory status on an account with no financial obligation misrepresents my creditworthiness. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Charge-Off This charge-off with XXXX balance is unverifiable and misleading. No payment history or contract has been provided to justify the reporting. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Charge-Off This account is also listed as a charge-off with no balance. The account should be removed under FCRA XXXX for lack of verification. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | XXXX : {$0.00} | Charge-Off This is an outdated and unverifiable charge-off with no supporting documentation. Reporting this is inaccurate under FCRA XXXX ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | XXXX : {$580.00} | XXXX I have never received a notice or agreement related to this debt. Under FCRA XXXX ( a ) ( XXXX ), I demand validation of this account including signed contracts and billing records. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$690.00} | Collection This account was never validated under FDCPA XXXX. I have not been provided with a debt validation notice nor any proof of liability. 

XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$1100.00} | Collection This account is being reported without verification. I have disputed this and received no evidence to support the debts legitimacy. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$100.00} | Collection This collection has never been validated and no written agreement exists. This is in violation of both the FCRA and FDCPA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$13000.00} | Charge-Off I do not recognize this account and have not received any documentation or validation. This account must be removed under FCRA XXXX. 

Incorrect Personal Information : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX This address is incorrect. I have never lived or had any association with this location. Inclusion of inaccurate personal data constitutes a mixed file error under FCRA XXXX. 

Unauthorized XXXX Inquiries : I have noticed multiple hard inquiries on my report that I did not authorize. These inquiries do not meet the permissible purpose under FCRA XXXX ( a ) ( XXXX ) and are harming my score without consent. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Requested Resolution : I request the CFPB to investigate and instruct TransUnion to XXXX Remove all inaccurate, unverifiable, or outdated charge-off and collection accounts Delete the unauthorized and unvalidated inquiries Delete the incorrect address Provide complete documentation verifying the accuracy and legal basis of each account per FCRA XXXX ( a ) Complete a proper reinvestigation as required under FCRA XXXX TransUnion has failed to comply with my previous disputes and is now in willful noncompliance under FCRA XXXX. I request swift enforcement of my rights under federal law and a full reinvestigation by the bureau.

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