Consumer complaint received 2025-08-30 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: TX

Complaint narrative:
I am submitting this complaint to the CFPB to address multiple inaccuracies, fraudulent entries, and misreported accounts on my credit report. These errors are severely impacting my creditworthiness, ability to obtain financial products, and overall financial reputation. Despite my efforts to resolve these disputes directly with the credit bureaus and creditors, the inaccuracies persist. I am requesting the CFPBs oversight and intervention to ensure full compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and to hold all relevant parties accountable for reporting accurate information. 

Address : XXXXXX/XX/XXXX XXXX XXXX, TX XXXX This address has never been associated with me, and its presence on my credit report violates FCRA Sections 609 and 611. Reporting inaccurate addresses misleads lenders and creditors, potentially attributing unauthorized accounts to me. Maintaining this incorrect information reflects a failure to ensure accuracy, and I demand its immediate removal. Failure to correct this item could result in continued negative impact on my credit evaluation and is a direct violation of my rights under federal law. 

Address : XXXX XXXX XXXX XXXX, TX XXXX This address is not mine and its inclusion on my credit file constitutes a violation of FCRA Sections 609 and 611. Incorrect addresses create confusion and risk misattribution of accounts. The inaccurate reporting misrepresents my financial history and jeopardizes my ability to secure credit fairly. I request thorough reinvestigation and prompt deletion of this item. 

Address : XXXX XXXX XXXX XXXX, LA XXXX Reporting this address is incorrect and violates FCRA Sections 609 and 611. Including inaccurate information misleads creditors and undermines the integrity of my credit profile. Maintaining this error demonstrates negligence in reporting and must be corrected immediately. 

Account : XXXX XXXX XXXX Balance : {$280.00} Date Opened : XX/XX/XXXX I dispute this charge-off as I never authorized this account. Reporting unverified accounts is a direct violation of FCRA Section 611. This item is inaccurate, misleading, and damaging to my creditworthiness. I request thorough reinvestigation, verification, and removal if the creditor can not provide complete proof of my liability. Continuing to report this unverified account is harmful and legally impermissible. 

Account : XXXX XXXX XXXX XXXXXXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX This charge-off is reported inaccurately and without verification, violating FCRA Section 611. The reporting misrepresents my payment history and unfairly harms my credit score. I dispute the accounts validity and demand reinvestigation with full verification. If verification can not be provided, deletion is required to comply with federal law. 

Account XXXX XXXX XXXX XXXX XXXXXXXX High Balance : {$850.00} Date Opened : XX/XX/XXXX This charge-off is unverified and inaccurately reported under FCRA Sections 611 and 623. It misrepresents my credit behavior and may affect future lending decisions. I request complete verification and removal if unverifiable. Reporting unverified items undermines the accuracy of my credit report and violates my rights under federal law. 

Account : XXXX XXXX XXXX High Balance : {$440.00} Date Opened : XX/XX/XXXX I dispute this charge-off because it is inaccurate and unverifiable under FCRA Sections 611 and 623. Reporting this item without proper verification is misleading and negatively impacts my financial reputation. I request immediate reinvestigation and removal if it can not be validated. 

Account : XXXX XXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX This charge-off is inaccurately reported and violates FCRA Section 611. Including unverified accounts misrepresents my credit history, could influence lending decisions, and must be corrected. Verification is required, and if not provided, this item must be deleted immediately. 
Account : XXXX XXXX  XXXX Balance : {$880.00} Date Opened : XX/XX/XXXX I dispute this late payment as inaccurate and unverified under FCRA Section 611. Its reporting misrepresents my financial behavior, and continued inclusion of this item violates my rights. I request thorough reinvestigation, verification, and deletion if unverifiable. 

Account : XXXX XXXX XXXX XXXX High Balance : {$38000.00} Date Opened : XX/XX/XXXX This charge-off is unverified and inaccurately reported under FCRA Sections 611 and 623. Including this item harms my creditworthiness and misleads lenders. I demand a thorough reinvestigation, verification, and removal if verification is not provided. Continued reporting of unverified accounts is legally impermissible. 

Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$700.00} Date Opened : XX/XX/XXXX * * This charge-off is disputed as inaccurate and unverifiable under FCRA Section 611. Reporting unverified accounts misrepresents my credit behavior and negatively impacts my financial reputation. Immediate reinvestigation and deletion are requested. 

Account : XXXX XXXX High Balance : {$23000.00} Date Opened : XX/XX/XXXX I dispute this late payment as inaccurate under FCRA Section 611. The reporting misrepresents my payment history and may affect my ability to obtain credit. Verification is required, and if unverifiable, this item must be removed immediately. 

Account : XXXX XXXX XXXX XXXX High Balance : {$2300.00} Date Opened : XX/XX/XXXX This late payment is inaccurate and unverified under FCRA Section 611. Reporting this item without verification misrepresents my credit profile. I request immediate reinvestigation and deletion if unverifiable. 

Account : XXXX XXXX XXXX High Balance : {$2200.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX dispute this charge-off as unverified and inaccurately reported under FCRA Section 611. Including this account misrepresents my payment history and negatively impacts my creditworthiness. Removal is requested if verification can not be provided. 

Account : XXXX XXXX XXXX XXXX High Balance : {$3500.00} Date Opened : XX/XX/XXXX This charge-off is unverified and inaccurately reported under FCRA Section 611. Reporting it misrepresents my creditworthiness and may influence lending decisions. Reinvestigation and removal are requested. 

Account : XXXXXXXX XXXX XXXX XXXXXXXX High Balance : {$4900.00} Date Opened : XX/XX/XXXX I dispute this charge-off as inaccurate and unverified under FCRA Section 611. The reporting misrepresents my financial responsibility and must be corrected or deleted immediately. 

Account : XXXX XXXX XXXX XXXX High Balance : {$23000.00} Date Opened : XX/XX/XXXX This account is reported inaccurately and unverified under FCRA Section 611. It misrepresents my credit behavior and must be reinvestigated. Verification is required, and removal is requested if unverifiable. 

Account : XXXX XXXX XXXX XXXX High Balance : {$900.00} Date Opened : XX/XX/XXXX This late payment is inaccurate and violates FCRA Section 611. Reporting unverified information misrepresents my financial history. I request thorough reinvestigation and deletion if unverifiable. 

Account : XXXX XXXX XXXX XXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXX I dispute this collection as inaccurate and unverified under FCRA Sections 611 and 623. Reporting unverified collections misrepresents my creditworthiness and is a violation of my rights. Reinvestigation and deletion are requested. 

Account : XXXX XXXX XXXX XXXX High Balance : {$2100.00} Date Opened : XX/XX/XXXX This collection is unverified and inaccurately reported under FCRA Section 611. Its inclusion misrepresents my credit behavior. Immediate reinvestigation and removal are requested. 

Account : XXXX XXXX XXXX XXXX High Balance : {$1500.00} Date Opened : XX/XX/XXXX I dispute this collection under FCRA Section 611 as inaccurate and unverified. Maintaining it on my report is misleading. Removal is required if unverifiable. 

Account : XXXX XXXX XXXX XXXX High Balance : {$460.00} Date Opened : XX/XX/XXXX This collection is reported without verification under FCRA Section 611. Reporting inaccurate collections misrepresents my creditworthiness. Reinvestigation and deletion are requested. 

Account : XXXX XXXX XXXX XXXXXXXX High Balance : {$370.00} Date Opened : XX/XX/XXXX I dispute this collection as inaccurate under FCRA Section 611. Reporting unverified collections misrepresents my financial history. Removal is required if unverifiable. 

Account : XXXX XXXX XXXX XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX This collection is unverified and inaccurately reported under FCRA Section 611. Reporting it misrepresents my creditworthiness. Reinvestigation and deletion are requested. 

Account : XXXXXXXX XXXX XXXX XXXXXXXX High Balance : {$260.00} Date Opened : XX/XX/XXXX I dispute this collection as inaccurate and unverified under FCRA Section 611. Inclusion without verification misrepresents my credit history. Removal is required. 

Account : XXXX XXXX XXXX High Balance : {$440.00} Date Opened : XX/XX/XXXX This collection is inaccurate and unverified under FCRA Section 611. Reporting it misrepresents my credit profile. Immediate reinvestigation and deletion are requested. 

XXXX : XXXX XX/XX/XXXX This inquiry was unauthorized and violates FCRA Section 604. Reporting it without my consent misrepresents my credit activity. Removal is requested. 

XXXX : XXXX XX/XX/XXXX This unauthorized inquiry violates FCRA Section 604. Including it without permission misrepresents my credit behavior. Removal is requested. 

InquirXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was unauthorized and violates FCRA Section 604. Reporting it misrepresents my credit profile. Immediate deletion is requested. 

Inquiry : XXXX XXXX XXXXXX/XX/XXXX This inquiry was unauthorized and violates FCRA Section 604. Reporting it misrepresents my creditworthiness. Removal is requested. 

I am requesting that the CFPB take immediate action to address these inaccuracies. All inaccurate addresses and account entries should be fully reinvestigated and corrected or removed in accordance with the FCRA. I also request the CFPB to provide confirmation of actions taken and updated credit report copies reflecting the corrected information. My intent is to ensure fair, accurate, and legally compliant credit reporting, and I trust the CFPB will enforce these rights on my behalf.

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