Consumer complaint received 2025-11-18 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: IL

Complaint narrative:
I am filing this complaint because multiple inaccurate and unverified accounts are being reported on my consumer file. These furnishers and credit bureaus have failed to provide any proof, contract, or documentation showing I opened or authorized these accounts. This violates my rights under FCRA 602 ( A ), 603, 607 ( B ), 609 ( A ), 611 ( A ), 616, 617 and FDCPA 807, 808, 809. These errors are harming my credit, causing financial damage, and must be corrected. 

XXXX XXXX High Balance : {$740.00} Date Opened : XX/XX/XXXX Charge Off I have no knowledge of this account and it has never belonged to me. You are reporting a charge-off without providing any documentation or validation which is required under FCRA 611 and FCRA 609. As this account does not belong to me and has not been verified through proper procedures, it must be deleted immediately for failing to meet the accuracy standards of FCRA 602 ( A ) and FCRA 607 ( B ). 

XXXX XXXX High Balance : {$390.00} Date Opened : XX/XX/XXXX Charge Off This is not my account and it is being reported as a charge-off without proof. Any account placed on my report must be verified through proper documentation under FCRA 609 and reinvestigation requirements under FCRA 611. Since you have failed to provide evidence and the account does not belong to me, this item must be removed in accordance with FCRA 602 ( A ) and FCRA 607 ( B ). 

XXXX XXXX High Balance : {$600.00} Date Opened : XX/XX/XXXX Charge Off I have no knowledge of this account. Reporting a charge-off without validating ownership violates FCRA 611 and FCRA 609 because you have not shown any legally required proof. Under FCRA 607 ( B ) you must ensure maximum possible accuracy, and since this is not my account, it must be deleted immediately. 

XXXX  XXXX High Balance : {$19000.00} Date Opened : XX/XX/XXXX Charge Off This charge-off is not mine and you are reporting it without proper verification. You must comply with FCRA 611 and FCRA 609 by providing documentation proving this account belongs to me. Failure to verify violates FCRA 602 ( A ) and FCRA 607 ( B ). Since this account is not mine, delete it immediately. 

XXXX XXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Charge Off This is not my account and it has never belonged to me. The reporting is unverified and incomplete and violates FCRA 609 and FCRA 611 because you have not provided documentation. FCRA 607 ( B ) requires accuracy and since the account is not mine, remove it immediately. 

XXXX XXXX High Balance : {$520.00} Date Opened : XX/XX/XXXX Late Payment The late payment history you are reporting is inaccurate because I have never made a late payment on this account. Under FCRA 607 ( B ) and FCRA 611 you must ensure accuracy and reinvestigate. Since your reporting is incorrect and unsupported, correct the late payment history immediately. 

XXXX XXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX Charge Off I do not recognize or own this account. You have reported a charge-off with no verification which violates FCRA 609 and FCRA 611. FCRA 607 ( B ) requires accurate information and since this account does not belong to me, it must be deleted. 

XXXX XXXX  XXXX High Balance : {$740.00} Date Opened : XX/XX/XXXX Collection This is a collection account that I do not recognize. You have not provided validation required under FCRA 609 nor conducted a reasonable reinvestigation under FCRA 611. Reporting an unverified account violates FCRA 602 ( A ) and FCRA 607 ( B ). This account must be removed. 

XXXX XXXX  XXXX High Balance : {$680.00} Date Opened : XX/XX/XXXX Collection I have no knowledge of this collection account and you have failed to provide proof as required by FCRA 609 and FCRA 611. Since you can not verify ownership and the reporting violates FCRA 602 ( A ) and FCRA 607 ( B ), delete this account immediately. 

XXXX XXXX High Balance : {$780.00} Date Opened : XX/XX/XXXX XXXX This account is not mine and is being reported without proper verification. Under FCRA 609 and FCRA 611 you must prove ownership which you have not done. Since this reporting violates FCRA 602 ( A ) and FCRA 607 ( B ), it must be deleted. 

These items are harming my credit and were never properly verified. I request a full CFPB investigation and immediate correction or removal of all inaccurate Charge Off, Collection, and Late Payment accounts.

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