Consumer complaint received 2025-10-30 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:
To Whom It May Concern, this complaint is being filed because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) have been violated by the inaccurate, incomplete, and unverified information being reported and retained in my credit file. The reporting agencies and furnishers have continuously failed to maintain maximum possible accuracy under FCRA 602 ( A ) and 607 ( B ), and failed to properly investigate under 611 ( A ). I am requesting immediate reinvestigation and removal of all the following accounts and inquiries that are being falsely or inaccurately reported against me. These accounts are causing harm to my creditworthiness and reputation, and have created unnecessary financial hardship. 

ADDRESSES XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX These addresses are inaccurate and were never associated with my verified residency. Reporting multiple unverified addresses violates FCRA Section 607 ( B ), which requires consumer reporting agencies to maintain maximum possible accuracy. The reporting of false addresses creates confusion and exposes me to identity risk and potential mixed-file issues, indicating negligence in data verification. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Chargeoff This account is reported inaccurately and in violation of FCRA 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). The creditor failed to provide evidence of my contractual liability or my original authorization. Any unverifiable charge-off must be removed. Continuing to report without documentation from the original creditor is a direct violation of the law. 

XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} Chargeoff This account shows a charge-off balance that conflicts with my financial records. No signed agreement, payment record, or proof of ownership has been provided. Under FCRA Section 611, unverifiable or inconsistent data must be deleted immediately. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2200.00} Chargeoff This account is listed inaccurately with a false balance and status. Reporting unverifiable debt information violates FCRA Section 607 ( B ) and 611 ( a ). The bureau must verify its accuracy through the original creditor ; failure to do so requires immediate deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This entry reflects false late payments not supported by evidence of delinquency. Under FCRA Section 602 ( A ), no late mark should appear without full validation from the furnisher. Such false marks damage my creditworthiness and violate fair reporting standards. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This account reports late activity even though the account was in good standing. Without verifiable payment history from the furnisher, this is an FCRA Section 607 ( B ) violation. The bureau must confirm authenticity or remove the mark to ensure compliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$1000.00} Chargeoff This is another inaccurate and unverifiable charge-off. No proof of default or ownership has been presented, violating FCRA Section 611 ( a ). Reporting multiple inconsistent accounts from the same creditor demonstrates lack of due diligence and must be corrected. 

XXXX XXXX XX/XX/XXXX This inquiry was unauthorized and performed without my consent. Under FCRA Section 604 ( a ) ( 2 ), a consumer reporting agency may not furnish a report unless the consumer provides written authorization. The presence of this inquiry is unlawful and contributes to score reduction, and they must be removed immediately. 

The bureaus and furnishers are required by law to ensure that every piece of information reported is accurate, complete, and fully verifiable. FCRA 602 ( A ) clearly establishes the necessity of fair and equitable credit reporting for the purpose of accuracy, relevance, and proper use of consumer information. Failure to comply may lead to legal enforcement and civil liability under FCRA 616 and 617. I demand full compliance with these laws and deletion of all the inaccurate, incomplete, and unverifiable data mentioned above. I expect a full reinvestigation and written confirmation of deletion within the 30-day period required under FCRA 611 ( A ) ( 1 ) ( A ).

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