Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding numerous inaccurate and unlawful entries appearing on my credit reports. These errors are causing ongoing financial harm and violate my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). Credit reporting agencies and furnishers of information are required by law to ensure maximum possible accuracy and maintain verifiable documentation. The following accounts and entries are reported inaccurately and must be addressed : XXXX XXXX XXXX AV XXXX, FL XXXX Wrong Address XXXX XXXX XXXX XXXX, FL XXXX Wrong Address XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$1700.00} Reported Late Payment * * XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$540.00} Reported Late Payment * * XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} Reported Late Payment * * XXXX OF XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} Reported Late Payment * * XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4000.00} Charge Off * * XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Collection * * XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} Collection * * XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4300.00} Collection * * XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Charge Off * * XXXX ( Original Creditor : XXXX XXXX XXXX  ) # XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} Collection XXXX XXXXXX/XX/XXXX Hard Inquiry These entries reflect multiple violations : Unverified Reporting : FCRA 602 ( A ) and 607 ( B ) require consumer reporting agencies and furnishers to ensure maximum possible accuracy. These accounts have not been verified with original documentation.

Re-aging & Misreporting of Accounts : Some accounts show incorrect dates and statuses, violating FCRA 623 ( a ) ( 5 ). 

Unlawful Collections : Accounts reported by XXXXXXXX XXXX XXXXXXXX, and XXXX are being reported without providing validation of the debt as required under FDCPA XXXX ( b ). 

XXXX & XXXX XXXX : Accounts such as XXXX XXXX appear more than once, creating misleading negative impact. 

Inaccurate Address Reporting : Wrong addresses attached to my credit file constitute identity-mixing, violating FCRA 604 and 605.

Hard Inquiry Without Authorization : XXXX inquiry on XX/XX/XXXX lacks permissible purpose under FCRA XXXX, making it an unauthorized intrusion. 

The law is clear : furnishers must provide accurate, complete, and verifiable information, and consumer reporting agencies must promptly delete or correct information that can not be verified. Failure to comply exposes them to liability for statutory damages, actual damages, and attorneys fees. 

I am demanding : A full investigation into these accounts. 

Removal of all unverified, inaccurate, and unauthorized entries. 

Written confirmation of corrective action.

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 explanation