Consumer complaint received 2025-11-17 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:
I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding several inaccurate, unauthorized, and unlawfully reported accounts appearing on my credit reports. These accounts violate the Fair Credit Reporting Act ( FCRA ) because the information being furnished is false, unverifiable, and damaging to my credit profile. 

I am requesting a full investigation into the following accounts and immediate corrective action. 

XXXX. XXXX XXXX XXXX Account Ending XXXX Open Date : XX/XX/XXXX High Balance : {$10000.00} Status : Charge Off I have no knowledge of this account. I never opened, authorized, or signed for any account with XXXX XXXX XXXX. This account is being reported falsely and must be deleted immediately under FCRA 602A & 609. 

XXXX. XXXX XXXX Account XXXX Open Date : XX/XX/XXXX High Balance : {$3500.00} Status : Late Payment The reported late payment history is completely inaccurate. I have never made any late payment on this account, and the current reporting is false and damaging. I am requesting a full investigation and correction of the payment history, not deletion of the account. 

XXXX. XXXX XXXX XXXX Account XXXX Open Date : XX/XX/XXXX High Balance : {$20000.00} Status : Charge Off I have no knowledge of this account whatsoever. I never authorized or opened any account with XXXX XXXX XXXX. This reporting is fraudulent and must be deleted immediately as required under FCRA for unverifiable or inaccurate information. 

XXXX. XXXX XXXX Account XXXXXXXX Date Assigned : XX/XX/XXXX Original Balance : {$10000.00} Status : Collection This collection account is unknown to me. I never incurred this debt, nor have I received any validation or original contractual documentation from the creditor. Under the FDCPA and FCRA, unverifiable collection accounts must be removed immediately. 

XXXX. XXXX XXXX XXXX XXXX BE Account XXXXXXXX Date Assigned : XX/XX/XXXX Original Balance : {$1700.00} Status : Collection I have no knowledge of this collection account. I never received any bill, service documentation, or debt validation from this provider. FCRA requires all information to be accurate and verifiable therefore this must be deleted. 

Requested Action I am requesting that the CFPB : Open an investigation into the reporting practices of these furnishers.

Require the furnishers to provide complete verification, including signed contracts or original documents.

Order the removal of any account that can not be verified or is falsely reported.

Ensure credit bureaus comply with all FCRA guidelines when handling these disputes. 

These false entries are causing significant financial harm, affecting my ability to obtain credit, housing, and stability. I demand immediate action. 

Thank you for your time and for upholding 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 explanation