Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
I am filing this complaint against the credit bureaus and the following creditors/collection agencies for reporting inaccurate, unverifiable, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite my previous disputes, these items remain uncorrected, continuing to damage my creditworthiness and cause emotional and financial distress. 
WRONG ADDRESSES REPORTED : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, TX XXXX This is not a residential address and should be removed immediately. 

XXXX XXXX, XXXX, TX XXXX I have never lived at this address and it must be deleted. 
Under FCRA 607 ( B ), the credit bureaus are required to maintain maximum possible accuracy. Reporting these addresses creates confusion and a false association with unrelated accounts or identities. Please remove all above-listed incorrect addresses from my credit file immediately. 
INACCURATE ACCOUNT REPORTING : XXXX XXXXXXXX High Balance : {$25000.00} | Date Opened : XX/XX/XXXX | Reported as Charged Off I have no record or knowledge of this account being charged off. This reporting is inaccurate and unverifiable. I am requesting full verification or deletion under FCRA 611 ( a ) ( 5 ) ( A ). 

XXXX XXXX XXXX High Balance : {$42000.00} | Date Opened : XX/XX/XXXX | Reported as Charged Off I do not recognize this account as being in charge-off status. I demand proof of ownership, signed documentation, and payment history under FCRA 609 ( a ) ( 1 ) ( A ). If such verification can not be provided, this account must be deleted immediately. 

XXXX XXXXXXXX XXXX XXXXXXXX High Balance : {$19000.00} | Date Opened : XX/XX/XXXX | Reported as Charged Off I have no knowledge of this charge-off. This information is being reported falsely and must be removed unless verified with authentic documentation from the original creditor. 

XXXX XXXX High Balance : {$54000.00} | Date Opened : XX/XX/XXXX | Reported as Late Payment The late payment history is completely inaccurate. I have always made timely payments and there has never been any delinquency on this account. I am requesting the late payment notation be corrected to Pays as Agreed as required under FCRA 607 ( B ) and 611. 

XXXX XXXX High Balance : {$1600.00} | Date Opened : XX/XX/XXXX | Reported as Collection I have no knowledge or contract with this agency. I request full validation under the Fair Debt Collection Practices Act ( FDCPA ) XXXX ( b ). If validation can not be provided, this item must be removed. 

XXXX XXXX High Balance : {$2400.00} | Date Opened : XX/XX/XXXX | Reported as Collection This duplicate account is inaccurate and unverifiable. I do not owe any debt to this collector. Please delete this immediately as required under FCRA 611 ( a ) ( 1 ) ( A ). 

XXXX XXXX High Balance : {$2400.00} | Date Opened : XX/XX/XXXX | Reported as Collection I have no knowledge of this account and no contractual agreement with this company. This debt is unverified, and I demand validation under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ). If the collector can not provide signed documentation proving this debt belongs to me, it must be deleted immediately under FCRA 611 ( a ) ( 1 ) ( A ). 

XXXX XXXX High Balance : {$2400.00} | Date Opened : XX/XX/XXXX | Reported as Collection This is a duplicate entry of the same alleged account. Reporting duplicates is a direct violation of FCRA 607 ( B ) which requires maximum possible accuracy. This duplicate record must be permanently removed. 

XXXX XXXX High Balance : {$2400.00} | Date Opened : XX/XX/XXXX | Reported as Collection This is also a duplicate and unverifiable account. I have never had three separate accounts with identical balances and collector names. This incorrect data must be deleted immediately. 

XXXX XXXX High Balance : {$730.00} | Date Opened : XX/XX/XXXX | Reported as Collection I do not recognize this debt. There is no valid contract or proof that I owe this amount. Please provide validation, and if unavailable, delete this record as required under FCRA 611 ( a ) ( 5 ) ( A ). 

XXXX XXXX High Balance : {$950.00} | Date Opened : XX/XX/XXXX | Reported as Collection This is another inaccurate and duplicate entry. I have no financial obligation to this company and no records of such accounts. Please delete this account for failure to verify authenticity. 
UNAUTHORIZED INQUIRIES : XXXX  Inquiry XXXX : XX/XX/XXXX I did not authorize this inquiry. Under FCRA 604 ( a ) ( 3 ), inquiries can only occur with my written permission or for a legitimate credit purpose. Please remove this immediately. 

XXXX XXXX XXXX : XX/XX/XXXX This inquiry was not authorized by me. Please delete it immediately as it violates FCRA 604. 

Legal Basis : Under FCRA 611 ( a ) ( 1 ) ( A ), I have the right to dispute inaccurate or incomplete information. The credit bureaus must conduct a reasonable reinvestigation within 30 days. Failure to verify or provide proof requires deletion of the item. 
Under FDCPA 809 ( b ), collection agencies must provide proper validation of any alleged debt upon request. XXXX has failed to do so. 
Under FCRA 607 ( B ), credit bureaus must ensure maximum possible accuracy. Maintaining false addresses and unverified accounts is a violation of this requirement.

Relief Requested : 1. Immediate deletion or correction of all inaccurate information listed above.

2. Written confirmation from all credit bureaus once the items are corrected or deleted.

3. Investigation into the reporting practices of the creditors and collectors mentioned, including XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, and XXXX. 
4. Enforcement action if these furnishers are found in violation of FCRA or FDCPA. 
Supporting Documents : Copy of my government-issued ID Copy of recent utility bill or proof of address Copies of disputed credit reports highlighting the errors Certification : I certify that the information provided is true and correct to the best of my knowledge. 
Sincerely,

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