Consumer complaint received 2025-10-15 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:
To Whom It XXXX Concern, I am submitting this formal complaint regarding multiple inaccurate, unverifiable, and unauthorized items appearing on my credit report. These items are negatively impacting my financial reputation and creditworthiness. I request that the CFPB intervene and direct the relevant credit reporting agencies and furnishers to conduct a thorough reinvestigation under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ). 
Disputed Accounts ( All Require Immediate Reinvestigation ) XXXX XXXX XXXX, High Balance : {$2600.00}, Date Opened : XX/XX/XXXX, Status : Charge Off This account is being reported as a charge-off. I have no knowledge of ever opening or maintaining this account with XXXX. I have never received any verified documentation, signed agreement, or billing statement connecting me to this debt. Reporting unverifiable information violates FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ). I demand deletion of this account from my credit file unless verifiable proof of ownership, original signed documents, and payment history can be produced. 
XXXX XXXX XXXX, High Balance : {$1800.00}, Date Opened : XX/XX/XXXX, Status : Charge Off I am disputing this account because it is completely unknown to me. I have never had multiple cards with XXXX, nor any relationship that matches this number or balance. This appears to be an error or mixed file situation. Please investigate and delete this inaccurate entry immediately. 
XXXX XXXX XXXX, High Balance : {$3100.00}, Date Opened : XX/XX/XXXX, Status : Charge Off This reporting is inaccurate and unverifiable. I have never been notified of a charge-off by XXXX XXXX XXXX XXXX XXXX I do not recall ever defaulting on a legitimate account. If XXXX XXXX can not produce original signed applications and statements proving this debt, it must be deleted under XXXX of the FCRA. 
XXXX XXXX XXXX, High Balance : {$1100.00}, Date Opened : XX/XX/XXXX, Status : Late Payment I am disputing the reported late payment history as it is completely inaccurate. I have never made late payments on this account. Every payment was made timely and in good faith. I request the removal of all late payment remarks and the restoration of an accurate on-time payment record. 
XXXX XXXX, High Balance : {$1300.00}, Date Opened : XX/XX/XXXX, Status : Late Payment This accounts payment history is inaccurate. I have never been late or delinquent, and no proof has ever been provided showing otherwise. I request full reinvestigation and correction of this accounts history to reflect accurate, on-time payments. 
XXXX XXXX XXXX, High Balance : {$3400.00}, Date Opened : XX/XX/XXXX, Status : Charge Off This account is being wrongfully reported as a charge-off. I have no recollection or verifiable record of ever defaulting on this account. I have requested validation from the creditor, but none was provided. Reporting this item without verification violates XXXX and XXXX of the FCRA. Please delete immediately. 
XXXX XXXX XXXX, High Balance : {$260.00}, Date Opened : XX/XX/XXXX, Status : Charge Off I have no knowledge of this account, nor have I ever received goods, services, or billing statements from this company. This account must be verified with original signed agreements ; otherwise, it should be removed for failure to comply with 611 ( a ) ( 5 ) ( A ) of the FCRA. 
XXXX XXXX XXXX, High Balance : {$760.00}, Date Opened : XX/XX/XXXX, Status : Charge Off This entry is inaccurate and potentially duplicated. I am demanding immediate reinvestigation and deletion if the creditor can not provide concrete proof that this belongs to me. 
XXXX XXXX XXXX, High Balance : {$150.00}, Date Opened : XX/XX/XXXX, Status : Late Payment This accounts reported late payments are false. I have never missed a payment with this creditor. The reporting of such misinformation is damaging and violates my rights under 623 ( a ) ( 1 ) ( A ) of the FCRA. Please correct the payment history immediately to show accurate information. 
XXXX XXXX XXXX, High Balance : {$3300.00}, Date Opened : XX/XX/XXXX, Status : Charge Off This account is being reported as a charge-off. I have no knowledge of ever opening or maintaining this account with XXXX XXXX XXXX XXXX. I have never received any verified documentation, signed agreement, or billing statement connecting me to this debt. Reporting unverifiable information violates FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ). I demand deletion of this account from my credit file unless verifiable proof of ownership, original signed documents, and payment history can be produced. 
XXXX XXXX, High Balance : {$560.00}, Date Opened : XX/XX/XXXX, Status : Late Payment I am disputing the reported late payment history as it is completely inaccurate. I have never made late payments on this account. Every payment was made timely and in good faith. I request the removal of all late payment remarks and the restoration of an accurate on-time payment record. 
XXXX XXXX XXXX XXXX, High Balance : {$2200.00}, Date Opened : XX/XX/XXXX, Status : Late Payment This accounts payment history is inaccurate. I have never been late or delinquent, and no proof has ever been provided showing otherwise. I request full reinvestigation and correction of this accounts history to reflect accurate, on-time payments. 
XXXX XXXX, High Balance : {$1300.00}, Date Opened : XX/XX/XXXX, Status : Collection This appears to be a duplicate of the previously reported XXXX account. Duplicate, unverifiable, or inaccurate reporting violates XXXX ( b ) and XXXX ( a ) of the FCRA. Please remove this immediately. 
XXXX XXXX, High Balance : {$1400.00}, Date Opened : XX/XX/XXXX, Status : Collection I have no knowledge of this account and have never received any statements or verification from this creditor. I request immediate deletion unless original signed agreements and billing statements proving this debt belong to me can be provided. 
XXXX XXXX XXXX, High Balance : {$1300.00}, Date Opened : XX/XX/XXXX, Status : Collection I have no knowledge of this account, nor have I ever received statements, bills, or verification from this creditor. Reporting unverifiable information violates XXXX ( b ) and XXXX of the FCRA. I demand deletion unless the creditor provides original signed agreements and verifiable proof of this debt. 
XXXX XXXX XXXX, High Balance : {$1200.00}, Date Opened : XX/XX/XXXX, Status : Collection This account is completely unknown to me. I demand deletion unless the creditor produces original, verifiable documentation linking me to this debt. Failure to do so constitutes a violation of my rights under the FCRA. 
XXXX OF XXXX, Date : XX/XX/XXXX, Status : Inquiry This hard inquiry was not authorized by me. Any credit pull performed without my explicit consent is a violation of FCRA XXXX ( a ). I request immediate removal of this inquiry from my credit file. 
XXXX, Date : XX/XX/XXXX, XXXX : XXXX I never authorized this inquiry. Unauthorized inquiries misrepresent my credit activity and violate FCRA provisions. XXXX removal is required. 
XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX This inquiry is not recognized or authorized by me. Reporting unauthorized inquiries violates FCRA XXXX ( a ). Please delete immediately. 
XXXX OF XXXX, Date : XX/XX/XXXX, Status : Inquiry I did not authorize this credit pull. Unauthorized reporting misleads lenders and violates federal law. I request deletion. 
TAB/MISSION, Date : XX/XX/XXXX, XXXX : XXXX I have no knowledge of authorizing this inquiry. It must be removed immediately to comply with FCRA 604 ( a ). 
XXXX OF XXXX, Date : XX/XX/XXXX, Status : Inquiry This inquiry was performed without my consent. XXXX deletion is requested under FCRA. 
SYNCB/WALG, Date : XX/XX/XXXX, XXXX : XXXX This hard inquiry was not authorized by me. Reporting it violates the FCRA. I demand removal immediately. 

Legal Basis for Complaint Under the Fair Credit Reporting Act ( FCRA ) : XXXX ( b ) requires that all information reported be accurate and complete. 
611 ( a ) provides me the right to dispute any item I believe to be inaccurate, and the credit bureau must reinvestigate within 30 days.

604 ( a ) prohibits unauthorized credit inquiries.

609 ( a ) entitles me to the original source and verification of all information reported.

623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting inaccurate information to credit bureaus once they have been notified of an error. 
The continued reporting of unverifiable and unauthorized accounts and inquiries is a clear violation of federal law and is causing financial harm and distress. 

Requested XXXX I request that the CFPB : XXXX the relevant credit reporting agencies and furnishers to immediately delete or correct all inaccurate, unverifiable, and unauthorized accounts and inquiries listed above. 
Provide written confirmation of all actions taken within 30 days of receipt of this complaint. 
Ensure compliance with all applicable provisions of the FCRA to prevent further reporting of these errors.

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