Consumer complaint received 2025-12-23 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:
I am submitting this complaint to dispute multiple inaccurate items appearing on my credit report, including unknown addresses, charge-off accounts I have no knowledge of, and unauthorized credit inquiry. These items are being reported without proper verification, in violation of the Fair Credit Reporting Act ( FCRA ). 

Addresses Address XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX I have no knowledge of these addresses, and they are not associated with me. 
Violations : FCRA 609 ( a ) ( 1 ) Right to accurate personal information FCRA 611 ( a ) ( 1 ) ( A ) Duty to investigate disputed data FCRA 623 ( a ) ( 1 ) ( A ) Prohibition of inaccurate reporting Request : Delete these addresses immediately. 

Charge-Off Accounts I do not recognize or have any knowledge of the following charge-off accounts. They are inaccurate, unverifiable, and improperly reported. 

XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) XXXX XXXX XXXXXXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$360.00} ) XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Opened XX/XX/XXXX, Balance {$11000.00} ) XXXX XXXX Violations : FCRA 611 ( a ) ( 1 ) ( A ) Failure to verify accuracy FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information FCRA 623 ( b ) Duty to conduct a reasonable investigation Request : Delete each charge-off account due to lack of knowledge and verification. 

Collection Accounts I have no contractual relationship, agreement, or knowledge of the following collection accounts. No validation has been provided. 

XXXX XXXX XXXX Acct # XXXX * Date Opened : XX/XX/XXXX | Balance : {$730.00} XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$680.00} XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$490.00} XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$710.00} XXXX XXXX XXXX XXXX  Acct # XXXX Date Opened : XX/XX/XXXX | Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX Acct # XXXX Date Opened : XX/XX/XXXX | Balance : {$72.00} XXXX XXXX XXXX XXXXXXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$820.00} XXXX XXXX XXXX  XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$430.00} XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$580.00} XXXX XXXX Violations : FCRA 611 ( a ) ( 1 ) ( A ) Inadequate investigation FCRA 623 ( a ) ( 2 ) Duty to correct inaccurate data FDCPA 809 Failure to validate alleged debt Request : Immediate deletion of all listed collection accounts. 

Inquiry XXXX XXXX Inquiry dated XX/XX/XXXX I did not authorize this inquiry and have no knowledge of any permissible purpose. 
Violations : FCRA 604 Permissible purpose required FCRA 611 ( a ) ( 1 ) ( A ) Failure to verify authorization Request : Delete this unauthorized inquiry immediately. 

These inaccuracies are damaging my credit profile. I respectfully request CFPB intervention to require immediate deletion of all unverifiable addresses, unknown charge-off accounts, and unauthorized inquiry, and full compliance with the FCRA.

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