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:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate and unauthorized entries on my credit report, which are negatively impacting my financial reputation and causing undue distress. I am invoking my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), and related federal consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX CHARGE OFF * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} I am disputing this account as I have no knowledge or recollection of ever opening or maintaining an account with Regional Finance. This appears to be a reporting error or possibly a case of identity misuse. The fact that the balance shows {$0.00} but is being reported as a charge-off makes no sense and creates a false impression of delinquency. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report information they know or should know is inaccurate. I demand the deletion of this account due to unverifiable ownership and false reporting. 
XXXX XXXX XXXX XXXX  * CHARGE OFF * * Date Opened : XX/XX/XXXX Balance Owed : {$730.00} I am disputing this account because I have never had any account or financial relationship with this creditor. I have no contract, agreement, or proof of any debt obligation with XXXX XXXX. I am requesting that this furnisher provide verifiable proof of this accounts validity including signed applications, payment history, and original documentation linking me to this account. If they can not produce legitimate documentation as required under FCRA 611 ( a ) and 609 ( a ) ( 1 ) ( A ), this entry must be immediately deleted from all credit bureaus. 
XXXX XXXX XXXX  COLLECTION ACCOUNT Date Opened : XX/XX/XXXX Balance Owed : {$280.00} This account is being reported as a collection ; however, I have no knowledge or prior notice of any debt being assigned to this collection agency. I have not received any communication, validation notice, or documentation regarding this alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA 809 ( a ) ). Without proper validation, reporting this collection is a violation of both FCRA and FDCPA, as it damages my credit standing with unverified information. I am demanding deletion of this collection entry unless full and proper validation is provided. 
INQUIRIES SECTION UNAUTHORIZED CREDIT INQUIRIES The following inquiries are unauthorized and inaccurate. I did not give written consent nor did I apply for any credit accounts with these institutions. Under FCRA 604 ( a ) ( 3 ), no entity is allowed to pull my credit report without permissible purpose. Therefore, all the following inquiries must be removed immediately : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX These inquiries were made without my authorization or any legitimate credit application initiated by me. I request the removal of all these inquiries as they were made in violation of my consumer rights under federal law. 
I request that the CFPB investigate these matters and ensure full compliance by the credit bureaus and furnishers. All inaccurate, unverifiable, or unauthorized information should be corrected or permanently removed from my credit file. 
I have attached identity verification documents to support this complaint, including a copy of my drivers license and proof of current residence. 
Immediate attention to these matters is critical, as the continued reporting of false information is damaging my creditworthiness, financial opportunities, and personal reputation.

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