Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
To Whom It May Concern, I am formally filing a dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate, incomplete, and unverifiable information on my credit report. The following items are listed with issues, applicable laws, and a detailed explanation. I request immediate reinvestigation and deletion where verification can not be substantiated in writing ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX LAW ISSUE : FCRA 605 ( b ) and 607 ( b ) prohibit the reporting of inaccurate identifying information STORY : I have never lived or received mail at this address. Reporting this location as mine misrepresents my identity and damages my creditworthiness. This address must be removed immediately. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Type : Chargeoff LAW ISSUE : FCRA 611 and 609 require validation of the reporting STORY : This account was closed with a XXXX balance and should not be marked as a charge-off. This misreporting damages my credit score and violates federal law. Please delete or correct. 

ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3200.00} Type : Chargeoff LAW ISSUE : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishing inaccurate data STORY : This account was mishandled during a financial hardship period. I attempted to make arrangements, but the charge-off was applied without proper notice. Please verify all records or delete. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Type : XXXX XXXX ISSUE : FCRA 605 ( a ) ( 4 ) limits charge-off reporting to 7 years STORY : This account is over a decade old and should no longer be on my credit report. It is outdated and violates the 7-year reporting limitation. Remove immediately. 

ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Type : XXXX XXXX ISSUE : FCRA 623 ( a ) ( 5 ) requires accurate date reporting STORY : This account has a {$0.00} balance and should not be reported as a charge-off. The current status is misleading and unfairly affecting my creditworthiness. 

ACCOUNT : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : Multiple Dates Balances Owed : {$3500.00} to {$7200.00} Type : Late Payment LAW ISSUE : FCRA 623 ( a ) ( 1 ) ( A ) requires accuracy in furnishing data STORY : My XXXX XXXX were in forbearance or deferment status at various times. Reporting them as late is false and violates federal loan reporting standards. Please investigate and correct. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} Type : Collection LAW ISSUE : FCRA 611 ( a ) requires prompt reinvestigation STORY : I was unaware of any outstanding balance from XXXX. This collection was reported without notice or verification. Please delete if not fully verifiable. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$190.00} Type : Collection LAW ISSUE : FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ) apply STORY : This debt was never acknowledged, and I have received no prior statements. I request validation under the law or removal from my credit file. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$570.00} Type : Collection LAW ISSUE : FDCPA 809 requires debt validation upon request STORY : This utility bill was inaccurately reported without notice. I had closed my account with a XXXX balance. Please verify and delete if unsubstantiated. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$910.00} Type : Collection LAW ISSUE : FCRA 609 and FDCPA 809 ( b ) require validation STORY : I was never notified of any unpaid balance. This collection is erroneous and damaging. Please delete if not fully validated with records. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$670.00} Type : Collection LAW ISSUE : FCRA 611 and FDCPA 807 apply STORY : This appears to be a duplicate of the above item. It should not be reported twice. Please remove the duplicate or provide official validation. 

INQUIRY : XXXX XX/XX/XXXX LAW ISSUE : FCRA 604 ( a ) ( 3 ) limits access to consumer reports STORY : I did not authorize this inquiry. I did not apply for any credit with XXXX. This hard inquiry should be removed immediately. 

INQUIRY : XXXX XXXX XXXX  LAW ISSUE : FCRA 604 ( a ) limits inquiries to permissible purpose STORY : These are three identical inquiries from XXXX XXXXXXXX on the same day. I did not authorize any of them. They are harming my score and must be deleted. 

INQUIRY : XXXX XXXX XX/XX/XXXX LAW ISSUE : FCRA 604 ( a ) ( 2 ) applies STORY : I have no account or application with this lender. This inquiry was made without my knowledge or consent. Please remove. 

INQUIRY : XXXX XXXX XX/XX/XXXX INQUIRY : XXXX XXXX XX/XX/XXXX LAW ISSUE : FCRA 604 ( a ) ( 1 ) ( A ) STORY : I did not authorize a credit pull from these lenders. These unauthorized inquiries were likely related to a car dealership sharing my information without consent. Please remove. 

INQUIRY : XXXX XX/XX/XXXX INQUIRY : XXXX XXXX XX/XX/XXXX INQUIRY : XXXX XXXXXX/XX/XXXX LAW ISSUE : FCRA 604 ( a ) - no permissible purpose STORY : I have no business or open applications with these institutions. They conducted credit checks without my knowledge or approval. These inquiries must be investigated and removed. 

Conclusion I request your agency compel the credit reporting bureaus to perform a full reinvestigation into each of these items within 30 days per FCRA 611. If any of these items can not be verified with full documentation, they must be deleted from my credit file permanently. I have the right to accurate, fair, and substantiated reporting, and I demand compliance with all applicable federal laws.

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