Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
Dear CFPB Officer, I am filing this formal complaint against several furnishers and data providers for reporting inaccurate, duplicate, and unauthorized information on my credit file. These accounts and inquiries are being reported to one or more credit bureaus ( XXXX, XXXX, and TransUnion ) in clear violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). The reporting of these accounts has caused me significant financial and emotional harm, including credit denial, higher interest rates, and reputational damage.

The listed items below are either ( 1 ) not mine, ( 2 ) unverifiable, ( 3 ) duplicated, or ( 4 ) reported without permissible purpose or authorization. 
XXXX XXXX XXXX XXXX XXXX WRONG ADDRESS This address is being reported inaccurately. I have never resided or received mail at this location. Reporting of any address that does not belong to me creates confusion and misrepresentation of my personal identity and violates FCRA 607 ( b ) regarding accuracy and integrity of consumer information. I request its immediate removal from my credit report. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$470.00} CHARGE OFF * * I have no recollection or knowledge of this account or any relationship with this creditor. No documentation or signed contract has ever been provided to validate this alleged debt. Reporting a charge-off without valid verification is inaccurate and violates FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ). I request complete deletion of this account as it is unverifiable and damaging my credit reputation. 
XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$260.00} CHARGE OFF * * This account is reported inaccurately. I have no knowledge of this alleged debt. Under FDCPA 809, a debt collector must provide validation before any collection activity or reporting. Since this was not done, this entry is legally noncompliant and must be removed from my file. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} LATE PAYMENT * * This account is reporting false late payments. I have never missed any payment or been delinquent with this creditor. Under FCRA 602A, consumer reporting agencies must maintain fairness and accuracy in reporting. I request that the payment history be corrected to reflect an on-time status immediately. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$80.00} CHARGE OFF * * I dispute this account as it does not belong to me. Reporting a charge-off for an unverified account is unlawful under FCRA 623 ( a ) ( 1 ) ( A ) and must be deleted unless fully verified with original signed documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$410.00} LATE PAYMENT I have no record of any late payment with this creditor. This inaccurate reporting is severely impacting my creditworthiness. Under FCRA 611 and 616, I request immediate correction to show timely payments and compensation for damages caused by negligent reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} CHARGE OFF * * I have never authorized or entered into any agreement with XXXX XXXX XXXX. This appears to be an erroneous or mixed file entry. Under FCRA 605B and 611 ( a ) ( 1 ), you must remove any unverifiable information from my report within 30 days. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} LATE PAYMENT * * I dispute the reported late payment. I have always maintained timely payments and have no delinquency record with this creditor. Reporting otherwise is false, misleading, and violates FCRA 607 ( b ). Please correct the account to reflect positive payment history. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} LATE PAYMENT * * The same issue applies here ; the reported late payment is incorrect. I demand reinvestigation under FCRA 611 ( a ) ( 1 ) and correction to show a perfect payment record. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} LATE PAYMENT * * This account is being inaccurately reported. I never made any late payment. Under FCRA 607 ( a ) you must ensure all data reported is accurate. Please correct this account to show Pays as agreed. 
XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$280.00} CHARGE OFF * * I have no knowledge of this account, nor have I ever received notice or billing related to this company. Reporting this as a charge-off is a violation of FCRA 623 ( b ) as no verification has been conducted. I request its immediate deletion. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$57.00} LATE PAYMENT * * This entry is reporting an incorrect late payment. I have never missed or been late on any payment related to this account. Reporting false delinquency directly violates FCRA 607 ( b ). I demand correction to reflect a Paid as Agreed and removal of all negative marks. 
XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$970.00} COLLECTION * * I have never had any account with this entity. Reporting an unverified collection is a clear violation of both FCRA 605B and FDCPA 807 for misrepresentation of debt. Since there is no signed agreement or validated proof of ownership, this entry must be deleted from all credit bureaus immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} COLLECTION * * This is a completely unfamiliar and unverified account. I have no agreement or authorization tied to this alleged debt. The company listed has failed to provide any validation of this debt as required under FDCPA 809 ( b ). It must be removed from my report immediately for violating my rights under FCRA 611 ( a ) ( 1 ). 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$430.00} COLLECTION * * This account is reported as a collection, yet there has been no verification of its legitimacy. This reporting is inaccurate, misleading, and damages my financial integrity. Under FCRA 607 ( a ), credit bureaus must ensure all information is accurate and verified. I request permanent deletion of this item. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} COLLECTION * * This is a duplicate of the same XXXX collection already listed above, which constitutes double reporting. Duplicate accounts for the same alleged debt violate FCRA 605B and CFPB Regulation V. I demand immediate removal of the duplicate entry and confirmation in writing. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$950.00} COLLECTION * * This is another duplicate and inaccurate listing for the same XXXX XXXX  account above. Duplicate reporting of a single debt inflates my liability and violates FCRA 607 ( b ). Remove this immediately and verify only one accurate record, if any valid proof exists.

Requested Action by CFPB : 1. Conduct a full investigation into these furnishers and credit reporting agencies for noncompliance with FCRA and FDCPA.

2. Require the immediate deletion of all unverifiable and duplicate collection accounts.

3. Require the removal of all unauthorized inquiries.

4. Enforce penalties for negligent or willful noncompliance under FCRA 616 and 617.

5. Provide a written statement of resolution confirming the deletions.

These errors have significantly harmed my credit standing and caused personal hardship. I trust that the CFPB will take swift action to enforce compliance and restore accuracy to my consumer report.

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