Consumer complaint received 2025-10-01 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:
Dear CFPB, I am submitting this complaint against the credit reporting agencies and the furnishers listed below for reporting inaccurate collection accounts and multiple unauthorized inquiries on my credit report. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ). 
Disputed Accounts and Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address This address is completely inaccurate and has no relation to me. I have never resided at or been associated with this location. Reporting such false addresses violates FCRA 607 ( b ) which requires credit bureaus to maintain maximum possible accuracy. I demand immediate deletion of this false address. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$2000.00} Date Opened : XX/XX/XXXXXXXX  Late Payment I dispute this late payment entirely because I have never been late on this account. Reporting me as late is an error that damages my payment history and creditworthiness. Under FCRA XXXX, inaccurate payment history must be corrected immediately. This is a violation of my rights and I demand correction to reflect an on-time payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$770.00} Date Opened : XX/XX/XXXX Charge Off This is another account being falsely reported as a charge off. I have no knowledge of this account, and the balance and history can not be verified. Reporting this item violates FCRA XXXX and FDCPA regulations against misleading and inaccurate reporting. I demand its immediate deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$56000.00} Date Opened : XX/XX/XXXX Charge Off This extremely high balance is completely false and misleading. I never had such an account or such a loan with XXXX. Reporting this without proof is highly damaging and unlawful. Under FCRA 607 ( b ), only accurate information may be reported. Since this can not be verified, it must be removed immediately. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$28000.00} Date Opened : XX/XX/XXXX Late Payment I dispute this late payment reporting. I have never been late on this account, and my records show consistent on-time payments. FCRA 611 and 609 guarantee my right to challenge and correct false payment histories. This must be corrected immediately to show an accurate on-time payment record. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$27000.00} Date Opened : XX/XX/XXXX Late Payment I strongly dispute the late payment status on this account. I have never made any late payments and reporting me as delinquent is inaccurate and harmful. FCRA 607 ( b ) requires maximum accuracy, and under 611 I have the right to demand correction. This account must be updated to show an on-time payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$3100.00} Date Opened : XX/XX/XXXX Collection This is a duplicate entry of the above XXXX account and therefore highly misleading. Double-reporting the same alleged debt is a direct violation of FCRA 607 ( b ) and FDCPA 809. Duplicate and unverifiable accounts must be deleted immediately to avoid further legal violations. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXX Collection I dispute this SpringoakCap collection as it is entirely unverifiable. I have no contractual agreement with this entity, and no proof of this debt has been provided. Reporting it is a violation of FCRA 611 ( a ) ( 5 ). This account must be permanently removed if it can not be properly verified with original documents. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2100.00} Date Opened : XX/XX/XXXX Collection I dispute this collection account entirely. I have no contractual relationship with Portfolio XXXX, nor have I received any verifiable proof of this alleged debt. Reporting unverifiable debt is a violation of FCRA 609 and 611, as well as FDCPA 807 prohibiting false or misleading representations. This account must be permanently deleted if it can not be fully validated. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$2000.00} Date Opened : XX/XX/XXXX Collection I have no knowledge of this account. XXXX has not provided original signed documents proving ownership of this debt. Under FCRA 611 ( a ) ( 5 ) and FDCPA validation requirements, unverifiable collections can not remain on a credit report. This account must be deleted immediately. 
XXXX XXXX XX/XX/XXXX XXXX This inquiry was made without my knowledge or authorization. Under FCRA 604, inquiries must be permissible and authorized by the consumer. Since I never applied for or authorized this pull, it is an impermissible inquiry and must be deleted immediately. 
XXXX XX/XX/XXXX Inquiry This inquiry was also not authorized by me. I have not applied for any service or credit that would justify this inquiry. Under FCRA 604, this is an impermissible inquiry and must be deleted immediately. 
XXXX XXXX XX/XX/XXXX Inquiry This is another unauthorized inquiry from XXXX XXXX. Repeated unauthorized inquiries suggest possible fraud or misuse of my information. Since I never consented, this inquiry is unlawful and must be deleted under FCRA 604. 
XXXX XX/XX/XXXX XXXX I dispute this inquiry as well. I have no relationship with XXXX, and they had no permissible purpose to access my credit. This is a direct violation of FCRA 604 and must be permanently deleted. 
Summary of Complaint : The credit bureaus are reporting multiple false collection accounts and several unauthorized inquiries on my credit report. These items are inaccurate, unverifiable, and harmful to my credit profile. The furnishers and bureaus have failed to comply with their obligations under FCRA 607 ( b ) ( accuracy ), 609 ( disclosure ), and 611 ( dispute resolution ). In addition, reporting and attempting to collect unverifiable debts violates FDCPA provisions.

Relief Sought : Immediate removal of all inaccurate collection accounts listed above. 
Permanent deletion of all unauthorized inquiries listed above. 
Investigation into the practices of the furnishers reporting unverifiable information. 
Enforcement action to ensure compliance with the FCRA and FDCPA. 
I respectfully request that the CFPB investigate these violations and take appropriate action to protect my 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 non-monetary relief