Consumer complaint received 2025-10-30 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: TN

Complaint narrative:
To Whom It May Concern, I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the inaccurate and unlawful reporting practices associated with the accounts listed below. These items have caused significant harm to my credit reputation and have violated multiple consumer protection laws intended to ensure accuracy, fairness, and transparency in credit reporting. I have previously disputed these items directly with the credit bureaus and creditors ; however, no valid verification was provided, which is a clear violation of FCRA 611 ( 15 U.S.C. 1681i ) and FCRA 623 ( 15 U.S.C. 1681s-2 ).

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is not mine and violates FCRA 607 ( b ). Remove it immediately. I have never used or resided at this address for any credit-related activity, and reporting it falsely connects me to accounts I do not own. It is your duty to ensure all reported information reflects maximum possible accuracy. 

XXXX XXXX XXXX Account # : XXXX | Date Opened : XX/XX/XXXX | Balance : {$420.00} | Status : Charge Off Reported as a charge off without valid proof, violating FCRA 611 and 609. Delete for failure to verify. This account was never validated with original documentation or a signed agreement proving ownership. Reporting unverified charge-offs damages my credit and violates my rights under the FCRA. 

XXXX XXXX XXXX Account # : XXXX | Date Opened : 04/27/2023 | Balance : {$380.00} | Status : Collection This collection was not validated by the original creditor, violating FCRA 611 and FDCPA 809 ( b ). Must be deleted. XXXX failed to provide documentation proving the debts validity or assignment. Continuing to report this debt without proper verification is a violation of federal consumer protection laws. 

XXXX Account # : XXXX | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Charge Off Shows a {$0.00} balance but is still listed as a charge off, which violates FCRA 607 ( b ). Delete immediately. This reporting is contradictory and misleading because a {$0.00} balance can not reflect a charge-off status. Failure to correct or remove this entry demonstrates noncompliance under FCRA 611 ( a ). 

Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my consent, violating FCRA 604. Remove all unauthorized inquiries. I never granted written or electronic authorization to any of these companies for credit access. Each of these inquiries constitutes an invasion of privacy and unlawful use of my consumer information.

In conclusion, these actions have caused emotional distress, financial harm, and reputational damage. I am demanding immediate investigation, deletion of inaccurate accounts and inquiries, and confirmation of compliance within the time frame mandated by law. The continued presence of these errors on my credit file constitutes ongoing harm and direct violation of my consumer rights under federal law. I request the CFPB to take enforcement action to ensure these creditors and credit bureaus adhere strictly to the requirements of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

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