Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint because multiple companies and credit bureaus are reporting inaccurate, unverifiable, and unauthorized information on my credit reports. I have already disputed these items with the credit bureaus, but the issues remain unresolved. These inaccurate items are negatively impacting my creditworthiness.

Below are the specific issues : Inaccurate Accounts ( Each account below is inaccurate, unverified, or reported incorrectly. I demand a full reinvestigation and removal if you can not provide complete, original, legally verifiable documentation. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Charge Off This account is being reported as a charge-off, which is entirely false and unsupported. I have no record, no contract, and no documentation showing I ever owed or defaulted. If you can not provide the signed contract and full payment history, REMOVE IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Late Payment This account is reporting late payments, which is completely incorrect. I never paid late, and there is no proof that I ever missed any payment. Under FCRA 611, furnish complete validation or correct the history to reflect XXXX late payments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$490.00} Status : Charge Off I dispute this account in full. I have no knowledge of this alleged debt, and the reporting is incomplete and inaccurate. Provide full validation including the signed contract and complete ledger. If it can not be verified, DELETE the account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Status : Charge Off This account is being reported as a charge-off even though I have no confirmed documentation of owing this amount. The reporting is unverified, inaccurate, and misleading. Remove this account unless you can validate it with full original documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$9400.00} Status : Charge Off This reporting is inaccurate and unverifiable. There is no documentation proving delinquency or default. This account must be removed unless full validation is provided. 
XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$840.00} Status : Collection I have no knowledge of this alleged debt. No contract, no communication, no proof of ownership, and no validation has ever been provided. This is an unverified third-party collection, violating FCRA requirements for accuracy. Remove immediately if you can not validate with original documents. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} Status : Collection This reporting is false and unsupported. I never authorized or recognized this account. Unless you can provide a complete chain of title, original agreement, and full payment history, this item must be deleted. Unvalidated collection reporting is a direct violation of FCRA 607 ( b ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1500.00} Status : Collection I dispute this account in its entirety. XXXX XXXX is reporting an alleged debt without any legally required proof. I have never received validation, assignment documents, or proof that I owe this amount. Under FCRA 611, unverified data must be removed.

Unauthorized / Hard Inquiries ( Not Permissible Purpose ) The following hard inquiries were NOT authorized by me and do not meet FCRA 604 ( a ) permissible purpose requirements. I demand immediate deletion if you can not produce signed, undeniable proof that I applied for credit with these entities. 
XXXX XXXX Inquiry Date : XX/XX/XXXX I never gave permission for XXXX to access my credit file. This is an unauthorized inquiry. 
XXXX XXXX Inquiry Date : XX/XX/XXXX I did not authorize any credit pull by XXXX on this date. Both inquiries are invalid and must be removed. 
FCRA Violations by the Credit Bureaus Despite my formal disputes, the credit bureaus failed to : Conduct a reasonable reinvestigation ( FCRA 611 ) Maintain maximum possible accuracy ( FCRA 607 ( b ) ) Provide verification or documentation Remove unverifiable information These failures are harming my credit scores, limiting my ability to obtain housing, transportation, and credit, and causing emotional and financial stress.

Requested Resolution I respectfully request that the CFPB require : 1. Removal of all unverifiable collection accounts listed above.

2. Removal of all unauthorized hard inquiries listed above.

3. A full and fair investigation from the credit bureaus and furnishers.

4. Written confirmation once corrections are completed. 
Thank you for reviewing my complaint. 
I request swift action to correct these violations of my consumer rights.

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