Consumer complaint received 2025-08-02 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: PA

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple unauthorized, inaccurate, and unverifiable items that continue to appear on my credit reports. Despite my previous disputes and requests for validation, these items remain unresolved or have been improperly reinserted without proper notification. I am requesting that the CFPB take immediate action to enforce my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and hold the data furnishers and credit reporting agencies accountable for their negligence and violations. Each of the following items requires full reinvestigation, proper documentation, and if verification is not legally substantiated, complete deletion. 

XXXX XXXX XXXX XXXX, PA XXXX Address Law : FCRA 602 A ( 1 ), 607 ( b ) Issue : This address is not associated with me and has never been my place of residence Story : I have never lived at XXXX XXXX XXXX XXXX PA XXXX yet it appears on my credit report creating confusion and potential misassociation with fraudulent or inaccurate account data I am requesting that this address be deleted as it is not a verified residence linked to me XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff * * Law : FCRA 602 A ( 1 ), 607 ( b ), 611 Issue : This account was previously resolved and deleted but has been reinserted without proper notice Story : I previously disputed this chargeoff and it was removed from my report yet it has reappeared without any certification of accuracy as required by FCRA 611 ( a ) ( 5 ) ( B ) this account must be deleted immediately for reinsertion without notification and lack of verifiable documentation XXXX XXXXXXXX * * Date Opened : XX/XX/XXXX Balance : {$10000.00} Chargeoff * * Law : FCRA XXXX A ( XXXX ), XXXX ( b ), XXXX Issue : This account is inaccurate and not validated with original documentation Story : This chargeoff is reporting a large balance that I dispute as I never received full breakdown of the debt or agreement documents upon request under FCRA XXXX the reporting furnisher has XXXX to verify the accuracy of this information therefore this item should be deleted XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$510.00} Chargeoff * * Law : FCRA 602 A ( 1 ), 607 ( b ), 609 ( a ) ( 1 ) Issue : Account is unverified and lacks original agreement or validation Story : I do not recognize this debt and upon challenging it I was never provided with verification of the original account terms or proof of liability under FCRA 609 ( a ) ( 1 ) the creditor must show original signed documentation which has not been provided delete this unverifiable account XXXX XXXXXXXX * * Date Opened : XX/XX/XXXX Balance : {$9000.00} Chargeoff * * Law : FCRA XXXX A ( XXXX ), XXXX ( b ), XXXX Issue : This chargeoff is inaccurate and not supported by verified records Story : I requested verification of this debt which was never provided nor were original signed loan documents or account statements submitted this item is negatively affecting my creditworthiness and must be removed under FCRA XXXX and 611 due to failure of verification U.S. Bankruptcy XXXX XXXX Bankruptcy Law XXXX FCRA 602 A ( 1 ), 607 ( b ), 609 ( c ) ( 2 ) Issue : This bankruptcy record is being inaccurately reported Story : I have reason to believe this public record is incomplete or misreported as I have no documentation matching the case number XXXX being attributed to me the reporting bureau must verify this public record directly with the court if it can not be verified it must be deleted from my credit file XXXX XXXX XX/XX/XXXX Inquiry Law : FCRA 604 ( a ) ( 3 ), 607 ( a ) Issue : Triplicate inquiry with no authorization Story : This marks the third entry from XXXX XXXXXXXX on the same date and it is clear these were done without my initiation or consent these inquiries must be deleted for lack of permissible purpose XXXX XXXXXX/XX/XXXX Inquiry Law : FCRA 604 ( a ) ( 3 ), 607 ( a ) Issue : Duplicate unauthorized inquiry Story : This is a repeated inquiry on the same day from the same source as previously listed and I dispute this as unauthorized remove this damaging inquiry XXXX XXXXXX/XX/XXXX Inquiry Law : FCRA 604 ( a ) ( 3 ), 607 ( a ) Issue : Inquiry not initiated by me Story : I have no recollection of applying for any credit card or product from XXXX and this inquiry was not authorized delete this from my credit XXXX XXXX XX/XX/XXXX Inquiry Law : FCRA XXXX ( a ) ( XXXX ), XXXX ( a ) Issue : Unpermitted inquiry Story XXXX XXXX  accessed my credit report without my request or approval this is an invasion of my consumer privacy rights under FCRA and must be removed promptly I respectfully request the Consumer Financial Protection Bureau ( CFPB XXXX to conduct a full investigation into these matters and ensure all violators are held accountable. I am requesting deletion of all unverifiable, unauthorized, and inaccurately reported items from my credit profile. My rights have been repeatedly violated, and these violations have resulted in financial hardship, stress, and the loss of credit opportunities. I am asking the CFPB to protect my rights under the FCRA and ensure these abusive and negligent practices are stopped. I am also requesting copies of any documentation used in the reinvestigation process and confirmation that these items have been resolved and removed.

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