Consumer complaint received 2025-10-13 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:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) because my credit report contains inaccurate addresses, incorrect late payment information, and unauthorized inquiries. These errors violate my consumer protection rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). The credit reporting agencies and furnishers have failed to conduct a lawful reinvestigation and continue to report unverifiable and false data that damages my creditworthiness. I am requesting CFPBs direct intervention to enforce federal compliance and ensure full correction or deletion of these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is reported as a charge-off with a XXXX balance, which is inconsistent and misleading. Reporting a {$0.00} balance while classifying an account as charged off violates FCRA 1681i and 1681s-2 ( a ) because it creates an inaccurate representation of the consumers obligation. The furnisher has failed to provide verifiable documentation showing I owe any amount. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account continues to be reported inaccurately even after closure. Under FCRA 1681e ( b ), credit bureaus must ensure maximum possible accuracy. Reporting a {$0.00} balance as charged off misleads other creditors and implies ongoing delinquency, which is deceptive and violates FCRA and FDCPA accuracy obligations. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There is no legal documentation or original creditor validation to justify this charge-off. According to FCRA 1681b and 1681s-2 ( b ), any account reported must be verifiable and updated to reflect accurate standing. This furnisher has failed to validate or substantiate the reporting. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This utility account was settled long ago and should not appear as a charge-off. Reporting outdated or inaccurate derogatory information violates FCRA 1681c ( a ) and the 7-year reporting limit rule. The creditors reporting practices create confusion and harm my consumer reputation. 
XXXX XXXX XXXX XXXX XXXX XXXX  The alleged late payment is unsupported by any verifiable billing or payment record. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate. I request immediate correction or deletion of this unverifiable late mark. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This charge-off was never validated and appears to be an error. I have not received any notice of delinquency or written communication from this creditor as required under FCRA 1681i ( a ) ( 1 ) ( A ). Continued reporting without evidence is a direct violation of my consumer rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account was paid in full and should not reflect a charge-off status. FCRA 1681s-2 ( b ) mandates accurate updates to credit files once payments are made. The continued negative reporting constitutes negligent misrepresentation and must be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No validation has been provided showing the debt exists or is owed by me. This is a direct violation of FCRA 1681i and FDCPA 809 ( b ), requiring creditors to verify disputed accounts. The reporting is misleading and should be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Duplicate reporting by the same furnisher under separate account numbers violates FCRA 1681e ( b ) because it inflates the negative impact and misrepresents the consumers credit history. This must be removed immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is inaccurately reported as charged off despite a {$0.00} balance. Such reporting violates FCRA 1681i and 1681s-2 ( a ), as no documentation supports a charge-off classification. The listing must be corrected or removed entirely. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This collection was never validated. Under FDCPA 809 ( b ) and FCRA 1681s-2 ( b ), debt collectors and furnishers must cease reporting until proper verification is provided. No such validation was sent, making this account unverified and inaccurate. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection / Bankruptcy Reference # XXXXXXXX XXXX XXXX XXXXhe reporting of a collection account connected to a bankruptcy proceeding without complete and verified documentation violates FCRA 1681c ( a ) ( 1 ) and 1681i ( a ). No certified proof or court record confirms this connection. The account should be removed for inaccuracy and unverifiability. 
XXXX XXXX XXXX ( XX/XX/XXXX ) I did not authorize this inquiry. Under FCRA 1681b ( c ), no credit report should be accessed without permissible purpose. This is an unauthorized hard inquiry that violates federal law and must be removed. 
XXXX XXXX ( XX/XX/XXXX ) This inquiry was not initiated or authorized by me. Under FCRA 1681b ( f ), such activity is a violation of privacy and consumer rights. It must be deleted immediately. 
XXXX XXXX XXXX ( XX/XX/XXXX ) No credit application was made to this company by me. This is an impermissible pull and violates FCRA 1681b ( a ). I demand this inquiry be deleted immediately. 
XXXX XXXX ( XX/XX/XXXX ) Unauthorized credit pull violating FCRA 1681b ( f ). There is no signed consent or application to justify this inquiry. Please delete it promptly. 
XXXX XXXX XXXX ( XX/XX/XXXX ) No consent was given for this inquiry. This violates my consumer rights under FCRA 1681b ( a ) and must be deleted immediately for non-compliance. 
XXXX XXXX ( XX/XX/XXXX ) I never authorized this company to access my report. Unauthorized inquiries are clear violations of FCRA 1681b ( f ). Delete immediately. 
XXXX XXXX ( XX/XX/XXXX ) This is an impermissible inquiry made without consumer authorization. Under FCRA 1681b ( c ), this violates permissible purpose standards. 
XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized inquiry lacking permissible purpose under FCRA 1681b. No consent, no application, no relationshipmust be deleted. 
XXXX XXXX XXXX XX/XX/XXXX ) This inquiry was not authorized and violates the privacy protections under FCRA 1681b ( f ). I request immediate removal. 
XXXX XXXX ( XX/XX/XXXX ) Duplicate inquiry that reflects noncompliance with FCRA 1681b and must be deleted as unauthorized and impermissible. 
XXXX XXXX ( XX/XX/XXXX ) This inquiry is unauthorized and constitutes a violation of my privacy rights under FCRA 1681b ( f ). Please delete immediately. 

The repeated violations by furnishers and credit bureausthrough false addresses, inaccurate late payments, and unauthorized inquiriesrepresent clear noncompliance with FCRA 602, 607, 611, and 623. I am asking the Consumer Financial Protection Bureau to conduct a thorough investigation, require the deletion of all unverifiable and inaccurate data, and enforce accountability against the credit reporting agencies and furnishers responsible for these violations.

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