Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
I am submitting this fourth round dispute regarding repeated inaccuracies and unauthorized inquiries on my credit report. Despite previous disputes, these errors continue to appear, violating my rights under the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ), 611, and 623 ( a ), which require maximum possible accuracy, proper reinvestigation, and deletion of unverifiable information. These persistent inaccuracies have caused ongoing financial harm, stress, and misrepresentation of my true creditworthiness. I demand a thorough reinvestigation and immediate correction or deletion of the following items : Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses do not belong to me, nor have I ever resided or received mail at these locations. Reporting these false addresses violates FCRA Section 602 ( A ), which mandates accurate and fair consumer reporting. By associating my credit file with unknown addresses, it creates the appearance of mixed or fraudulent identity, affecting my overall report integrity. I request immediate deletion of all these inaccurate addresses. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account has been reported inaccurately as a charge-off, but I have no valid contract or proof of obligation with this creditor. Under FCRA 611 and 623 ( a ) ( 1 ) ( A ), data furnishers must ensure complete accuracy. Reporting a charge-off without validation constitutes negligent misreporting. This false information harms my payment history and violates my right to fair reporting. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$20000.00} Late Payment XXXX XXXX This account is being shown with late payments that are neither verified nor supported by documentation. FCRA 607 ( B ) requires maximum possible accuracy, and the creditor has failed to provide validation. Reporting unverifiable late payments is misleading, and I demand full removal of this account unless verifiable evidence is provided within the reinvestigation period. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off * * An account showing as charged-off with a XXXX balance is contradictory and inaccurate under FCRA 602 ( A ) and 607 ( B ). Such conflicting data damages my credit profile. Since no valid debt exists, continued reporting reflects willful noncompliance. I demand immediate deletion due to failure of accuracy and verification standards. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$160.00} Collection XXXX XXXX  This collection account appears to have been added recently without any authorization or notice as required under FCRA 609 ( a ) ( 1 ) and FDCPA 809 ( b ). The agency has not provided proof of debt validation or my consent to report this collection. Reporting unverifiable collections is a direct violation of my federal rights. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$320.00} Collection XXXX XXXX I never had any service or contract with this company. Reporting this as a collection without a verified contract violates FCRA 623 ( b ) and FDCPA requirements for validation. This false reporting harms my credit and should be deleted immediately for noncompliance and failure of accuracy. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$890.00} Collection XXXX XXXX  This account appears to have been reported without proper validation. Under FCRA 611 ( a ), I have the right to dispute and demand full verification. Without legitimate proof of the debt, this account must be deleted for being unverifiable and inaccurately placed on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1100.00} Collection XXXX XXXX XXXX XXXX XXXX XXXX  has failed to provide any verified documentation linking me to this collection. Under 623 ( a ) ( 1 ) ( A ), furnishers must not report information they know or have reasonable cause to believe is inaccurate. Since theres no verified debt, I request immediate deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$640.00} Collection XXXX XXXX This reporting is inaccurate and misleading. I never received proper validation or notice as required under FDCPA 809 ( b ). The failure to validate violates FCRA 602 and 611, warranting deletion due to noncompliance and unverifiable reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Collection XXXX XXXX  This debt has been placed in collection without verified consent. FCRA 607 ( B ) obligates furnishers to maintain accuracy, and FDCPA 809 requires validation before reporting. The absence of both proof and authorization makes this entry invalid. Delete immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} Collection * * This account was falsely reported as a collection without validation or proof of service. Under FCRA 611 and FDCPA 809, all unverified debts must be deleted from a consumers credit file. Continued reporting without verification is unlawful and causes undue harm. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without my written authorization or permissible purpose under FCRA 604. Each of these inquiries has contributed to damaging my score and privacy, which violates my right to fair and lawful credit reporting. I request that all of these unauthorized hard inquiries be deleted immediately. 

These repeated reporting errors and unauthorized inquiries demonstrate a pattern of negligence and noncompliance by the credit bureaus and furnishers, violating FCRA Sections 607 ( b ), 611, and 623 ( a ). These actions have caused ongoing harm to my financial standing, created stress, and misrepresented my credit history. I demand immediate reinvestigation, deletion, and correction of all inaccurate or unauthorized information listed above and confirmation in writing of all corrective actions taken.

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