Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
I am submitting this formal complaint against the credit reporting agencies for failing to ensure accurate, complete, and verifiable reporting of my personal credit file. I have identified multiple inaccurate data entries, including a wrong address, incorrect late payment notations on accounts, and unauthorized or unverified hard inquiries, all of which violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly Sections 602 ( A ), 604, 605, 607 ( B ), and 611. I have tried to resolve these issues directly with the credit bureaus without success, and I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate and compel the credit bureaus and furnishers to correct or delete the inaccurate data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$5000.00} - Chargeoff * * Issue : Charged-off account reporting with unresolved inaccuracies Law : FCRA 1681s-2 ( a ) ; FCRA 1681i Story : This account is not mine or has been paid/resolved in a way that is not accurately reflected in the report. The continued reporting of a charge-off is misleading and damaging. Please reinvestigate and provide documentation or remove it entirely. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} - Chargeoff * * Issue : Inaccurate and outdated charge-off listing Law : FCRA 1681c ( a ) ( 4 ) ; FCRA 1681i Story : This account is listed as a charge-off without complete or accurate resolution details. I request a thorough reinvestigation, and if unverifiable, deletion from my file per federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} - Chargeoff * * Issue : Duplicate or conflicting entry Law : FCRA 1681e ( b ) Story : This appears to be a duplicate entry of another XXXX XXXX XXXX account already reported. Reporting the same account twice with different balances is misleading and incorrect. Please delete the duplicate or clarify and correct immediately. 
XXXX XX/XX/XXXX - Inquiry Issue : Unauthorized inquiry Law : FCRA XXXX04 ( a ) ( 3 ) Story : I dispute this inquiry because I did not authorize any credit application with this lender. Please provide documented consent or delete. 
XXXX XXXX XX/XX/XXXX - Inquiry Issue : Unverified credit inquiry Law : FCRA 604 ( a ) ( 3 ) Story : This hard inquiry does not reflect any activity initiated by me. Please remove this unauthorized access to my report.

I am requesting a full investigation by the CFPB into the inaccuracies listed above. I demand that the credit reporting agencies either provide verified documentation supporting these accounts, inquiries, and address as accurate or delete them completely from my credit file. If no proof is provided within the required time period as per FCRA Section 611 ( a ) ( 1 ) ( A ), I expect immediate deletion. These errors have caused me serious financial and emotional distress. I request that the CFPB hold the responsible data furnishers and credit bureaus accountable and ensure these violations are corrected without delay.

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