Consumer complaint received 2025-11-03 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 to report serious and repeated violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My credit file contains multiple inaccuracies, including a wrong address, false account information, and an unauthorized inquiry. These errors have caused significant harm to my credit standing, denied me fair access to credit opportunities, and violated my rights under federal law. 

XXXX XXXX XXXXXXXX, TX XXXX This address is inaccurately linked to my profile and does not belong to me. Keeping this false address violates FCRA 607 ( B ) and 611 ( A ) ( 1 ) ( A ) because it was not verified through a legitimate source. The presence of this wrong address suggests mixed or merged file activity and causes potential fraud exposure. I am requesting its immediate deletion from my file. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is incorrect and not associated with any legitimate account of mine. Reporting unverifiable and outdated personal information violates the accuracy and reinvestigation provisions of FCRA 607 ( B ). 

XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is also false and must be deleted as it causes confusion and leads to mixed file issues under FCRA 611 ( A ) ( 1 ) ( A ) and 607 ( B ). 

XXXX  XXXX XXXX * High Balance : {$6100.00} Date Opened : XX/XX/XXXX This account is reported as a charge-off even though no verifiable documentation supports this status. Under FCRA 611 ( A ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ), the furnisher must provide evidence of the charge-off through a contract or payment history proving default. Reporting unverified or outdated data constitutes willful noncompliance. The account continues to harm my creditworthiness despite lacking proper validation. 

XXXX XXXX * High Balance : {$1300.00} Date Opened : XX/XX/XXXX The late payment entries on this account were never verified with original documentation. Under FCRA 607 ( B ) and 611 ( A ) ( 5 ) ( A ), unverifiable payment histories must be removed. The furnishers failure to provide accurate records violates the duty of reasonable investigation. 

XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX This account shows a charge-off but no proof of default or lawful reporting authorization exists. Under FCRA 611 ( A ) ( 1 ) ( A ), the bureau must reinvestigate and confirm validity from the original creditor, not secondary sources. Continued reporting without full verification violates 607 ( B ). 

XXXX XXXX XXXX * High Balance : {$420.00} Date Opened : XX/XX/XXXX This charge-off is inaccurate and unsupported. The account was disputed previously and verified without showing any billing statement or service contract. Under FCRA 611 ( A ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ), such unverifiable data must be deleted. 

XXXX  XXXX XXXX XXXX * High Balance : {$4000.00} Date Opened : XX/XX/XXXX This charge-off is reported inaccurately, with missing payment data and inconsistent status. Under FCRA 607 ( B ) and 611 ( A ) ( 1 ) ( A ), reinvestigation is mandatory when the consumer disputes the accuracy of the reporting. Retaining unverified data after notice constitutes willful violation. 

XXXX XXXX XXXX * High Balance : {$8600.00} Date Opened : XX/XX/XXXX This collection account was never authorized or validated with proof of assignment from the original creditor. Under FCRA 611 ( A ) ( 1 ) ( A ) and FDCPA 809 ( b ), the collector must provide a complete validation letter before reporting. Reporting without lawful validation is a violation of both FCRA and FDCPA. 

XXXX XXXX XXXX XXXX * High Balance : {$1500.00} Date Opened : XX/XX/XXXX This account shows as a collection but no contract, billing statement, or proof of debt ownership has been shown. Under FDCPA 809 ( b ) and FCRA 607 ( B ), unverifiable accounts must be deleted immediately. Continued reporting after dispute violates 611 ( A ) ( 5 ) ( A ). 

XXXX XXXX XX/XX/XXXX This hard inquiry was unauthorized and done without my written consent. Under FCRA 604 ( a ) ( 2 ) and 607 ( A ), a permissible purpose must exist before accessing my credit file. This inquiry is a violation and should be deleted immediately. 

XXXX XXXX XX/XX/XXXX This inquiry is inaccurate and unauthorized. There was no application or signed consent for credit access, violating FCRA 604 ( a ) ( 3 ) ( A ). Any inquiry without my permission is unlawful and must be removed. 

XXXX XX/XX/XXXX This inquiry was not approved or authorized by me. Under FCRA 604 ( a ) ( 2 ) and 607 ( B ), the bureau must remove any inquiry lacking permissible purpose or verifiable consent.

I request that the Consumer Financial Protection Bureau conduct a thorough investigation into these violations and hold the responsible credit bureaus and furnishers accountable. I demand immediate deletion of the false address, inaccurate accounts, and unauthorized inquiry from my credit report. These repeated errors demonstrate willful neglect and noncompliance with federal law, causing continued harm to my credit 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