Consumer complaint received 2025-10-31 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: ME

Complaint narrative:
To Whom It May Concern, I am filing this complaint against the below-listed furnishers and the credit bureaus for failing to maintain accurate and verifiable information as required under the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes, the reporting agencies and furnishers have continued to report false and unverifiable data that severely impacts my consumer rights, credit reputation, and financial standing. I am demanding a full investigation, deletion, and correction of these items according to 15 U.S.C. 1681i and 1681s-2 ( b ). 

XXXX XXXX XXXX XXXX XXXX, ME XXXX This address is being reported inaccurately and violates FCRA 607 ( b ) which requires maximum possible accuracy. I never authorized this address to be linked to my credit file and its continued appearance shows noncompliance under 611 and 605. It must be deleted immediately to prevent misrepresentation or identity confusion. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9000.00} Charge Off This charge-off is unverified and inaccurate. No signed contract or proof of ownership was provided under 609 ( a ) ( 1 ) ( A ). Reporting without evidence violates 623 ( a ) ( 3 ) and 611 ( a ). The account must be deleted as unverifiable. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$930.00} Charge Off This is a duplicate and false report from the same creditor, violating 607 ( b ) for accuracy and 605 ( a ) for improper reporting. No original documents were supplied and under 611 ( a ) ( XXXX ) ( A ), unverifiable data must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment This late payment is false and unverified, violating 607 ( b ) and 623 ( b ) ( 1 ) ( A ). A zero balance can not show delinquency. Without verified proof of late payment from the original source, this entry must be deleted immediately under 611. 

XXXX XXXX Date : XX/XX/XXXX This inquiry was unauthorized and violates 604 ( a ) ( 2 ) and 604 ( c ) ( 1 ) as no permissible purpose existed. It represents unlawful access to my consumer file and must be deleted immediately as it lacks authorization and proof of consent. 

As a consumer under the protection of the FCRA, I am requesting that the CFPB review this matter, hold the responsible entities accountable, and compel them to immediately delete or correct all inaccurate data. Failure to comply with the legal requirements of the FCRA demonstrates willful noncompliance under XXXX and XXXX, for which the responsible parties are liable. 
I respectfully request an immediate investigation into these violations and confirmation of corrective actions.

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 explanation