Consumer complaint received 2025-10-24 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:
To Whom It May Concern, I am filing this formal complaint against the reporting of inaccurate and unauthorized information that has severely affected my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite multiple attempts to have these inaccuracies corrected through proper dispute procedures, the listed entities have failed to provide verification, documentation, or lawful compliance as required by federal law. These continued violations have caused emotional distress, financial hardship, and damage to my creditworthiness. 

ADDRESSES XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX This address is incorrect and should not be listed on my report. It is unrelated to my verified residency, and retaining it creates confusion and privacy concerns under FCRA 602 ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX I have never lived at or been associated with this address. Reporting this false address constitutes inaccurate personal information in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} This account is showing a late payment with no balance owed. Reporting lateness on a {$0.00} balance is inaccurate and misleading. Under FCRA 1681e ( b ) and 1681i, unverifiable payment history must be corrected or deleted. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$220.00} I have never been provided any documented verification or signed contract proving I was late. Reporting such without supporting records violates FCRA 609 ( a ) ( 1 ) ( A ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$56.00} This charge-off is unverified. The furnisher has failed to provide proper validation of the alleged debt, violating FCRA 611 and 623 ( a ) ( 3 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} This charge-off shows a XXXX balance, meaning the debt was either sold, settled, or canceled. Continuing to report a charge-off after resolution violates 1681c ( a ) ( 4 ) and 1681s-2 ( a ). 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6800.00} This account was reported inaccurately as charged off with no proof of validation. Reporting unverifiable negative data without documentation violates FCRA 611 ( a ) and 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$100.00} This collection account is not mine. No original signed agreement or service usage documentation has been provided, violating the FCRAs requirement for reasonable verification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$830.00} This charge-off remains unvalidated. Continuing to report after failing to verify accuracy within 30 days breaches FCRA 611 ( a ) ( 5 ) ( A ). 

INQUIRIES XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry. No permissible purpose was granted under FCRA 604 ( a ) ( 3 ). 

XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry without my consent. 

XXXX XXXX XX/XX/XXXX This inquiry was done without permissible authorization, violating FCRA 604. 

XXXX XXXX  Unverified and unauthorized inquiry ; must be deleted immediately. 

XXXX XXXX XX/XX/XXXX Unlawful inquiry not related to any credit application. 

I am requesting that the CFPB conduct a full investigation into these violations and ensure compliance from all involved entities. These actions represent an abuse of the credit reporting system and disregard for the consumers right to accuracy, fairness, and privacy as guaranteed under federal law. Continued reporting and unauthorized access have caused undue harm to my credit reputation and financial stability. 
I respectfully request the removal of all unverifiable, inaccurate, or unauthorized data mentioned above, and demand confirmation in writing once the investigation is complete.

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