Consumer complaint received 2025-11-20 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 filing this complaint because my credit report contains false addresses, unknown charge-offs, inaccurate late payments, unauthorized collections, and several hard inquiries I never approved. These errors violate my rights under FCRA 602 ( A ), 604 ( A ) ( 2 ), 607 ( B ), 609, 611, and 623 because the information being reported is neither accurate nor verifiable. I am requesting immediate review and correction. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$230.00} | Chargeoff I have no knowledge of this account and no contractual agreement exists between me and this creditor. Reporting an account without proof of my authorization is a violation of 15 USC 1681e ( b ) and 15 USC 1681i, because a creditor must provide a permissible purpose and original documentation before furnishing data. Since you failed to provide actual verification during the initial investigation, this account must be deleted for inaccurate and unverified reporting. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Late Payment I have never made any late payment on this account, and any reported delinquencies are false and damaging. Under 15 USC 1681e ( b ) you are required to ensure maximum possible accuracy, and under 15 USC 1681i you must reinvestigate inaccuracies with real documentation. Without proper payment history proof created during the time of the alleged delinquency, you must correct the history to reflect on-time payments only. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Late Payment The late payment reporting on this account is inaccurate. I have always paid on time, and under 15 USC 1681e ( b ) and 1681i ( a ) you are responsible for ensuring and verifying accuracy through legitimate proof from the creditor. Since no proper validation has been provided, you must update this account to show a perfect on-time payment record. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$510.00} | Chargeoff I have no knowledge of this account and no signed contract has been provided proving I authorized this line of credit. Continued reporting without providing original documentation violates 15 USC 1681e ( b ) and 1681i. Because this item remains unverified, inaccurate, and legally unsupported, it must be deleted immediately. 

XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$7100.00} | Collection This account is unknown to me and was never authorized by me. Reporting a collection without validating the underlying debt violates 15 USC 1681i and 1681e ( b ). Until the collector proves its right to report, provides the original contract, and shows chain of ownership, this account must be deleted for lack of verification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$11000.00} | Collection I have no knowledge of this collection and no supporting documents were provided in the reinvestigation. You must delete this item because reporting an unverified collection violates 15 USC 1681e ( b ) and 1681i. No permissible purpose or contractual obligation has been proven. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$110.00} | Collection This collection is not mine. You failed to provide any validation or proof during the initial investigation. Under 15 USC 1681i ( a ) you must remove any item that can not be properly verified. This account must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance Owed : {$220.00} | Collection I do not recognize this account and no documents proving liability have been presented. By reporting unverifiable information, you are violating 15 USC 1681e ( b ). Delete this account for lack of proper substantiation. 

XXXX Inquiry dated XX/XX/XXXX This inquiry was not authorized by me and violates 15 USC 1681b because no permissible purpose was ever given. Delete immediately. 

XXXX Inquiry dated XX/XX/XXXX I did not authorize this inquiry. Under 15 USC 1681b, you must remove any inquiry without a proven permissible purpose. Delete this inquiry. 

XXXX Inquiry dated XX/XX/XXXX This inquiry was never authorized. Under 15 USC 1681b you must remove unauthorized inquiries lacking permissible purpose. 

XXXX Inquiry dated XX/XX/XXXX I never granted permission for this inquiry. Reporting unauthorized access violates 15 USC 1681b. Delete this inquiry. 

XXXX Inquiry dated XX/XX/XXXX I did not authorize this inquiry. You must remove it for violating 15 USC 1681b. 

XXXX Inquiry dated XX/XX/XXXX This inquiry is unauthorized. No proof of permissible purpose has been presented. Remove this under 15 USC 1681b. 

XXXX Inquiry dated XX/XX/XXXX I did not authorize this pull. Under 15 USC 1681b, delete this inquiry for lacking a lawful permissible purpose. 

These errors harm my credit, violate FCRA 602 ( A ) and 607 ( B ), and show that unverifiable data is being reported. I request CFPB intervention, full reinvestigation, and deletion of all inaccurate, unauthorized, and unverifiable information immediately.

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