Consumer complaint received 2025-10-28 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:
To Whom It May Concern, I am submitting this complaint against multiple furnishers and data reporters for serious violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The following accounts are being reported inaccurately and unlawfully under my credit profile, causing harm to my creditworthiness and reputation. I have no knowledge, contract, or authorization associated with these alleged debts or inquiries. Despite my rights under federal law, these accounts continue to appear on my report without any validation or proof of accuracy. 
WRONG ADDRESSES REPORTED ( NOT MINE ) : XXXX XXXX XXXX, TX XXXX Wrong Address XXXX XXXX XXXX, TX XXXX Wrong Address These addresses have never been my residence, nor have I ever been associated with them in any capacity. Reporting these addresses is a clear violation of FCRA Section 607 ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy of the information they include. I demand the immediate deletion of these fraudulent and incorrect addresses from my credit file. 
ACCOUNTS REPORTED WITH WRONG PAYMENT HISTORY REQUESTING CORRECTION UNDER LAW : DEPT OF EDUCATION / XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$1700.00} Wrongly reported as late payment. I never missed or made any delayed payments. These records are inaccurate and damaging to my credit standing. 
DEPT OF EDUCATION / XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$3200.00} Reported as late payment which is factually incorrect. I have always made timely payments and have supporting documents proving on-time history. 
DEPT OF EDUCATION / XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$2500.00} Wrongly marked as late. There has been a system or reporting error by the servicer, as no late payments were ever made. 
DEPT OF EDUCATION / XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$600.00} Incorrect late payment reporting. The servicer failed to accurately record my payment history. 
DEPT OF EDUCATION / XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$900.00} False late payment entry. I never made any late payments ; this must be removed or corrected. 
DEPT OF EDUCATION / XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$4800.00} Inaccurately showing late payment. This record is not supported by any factual documentation or legitimate verification. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$13000.00} | Status : Charge-Off I have no knowledge or recollection of this account. I never opened or authorized this account with XXXX XXXX XXXX XXXX. Reporting this as a charge-off is completely false, misleading, and damaging. This account must be immediately deleted from my report under FCRA 611 ( a ) ( 1 ) ( A ) since it can not be verified with original documentation signed by me. 
DEPT OF EDUCATION / XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$3800.00} | Status : Late Payment This account has been incorrectly marked as late. I have never made any late payments to this lender. The servicers records are flawed and do not reflect my true payment history. I request a full investigation and correction of this false report. 
DEPT OF EDUCATION / XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$7700.00} | Status : Late Payment Issue : The late payment status is inaccurate and unverified. I have always made payments on time, and there is no legitimate documentation that proves any delinquency. I demand this to be corrected immediately. 
XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Late Payment This account is being reported as late, despite showing a {$0.00} balance. This makes no logical or factual sense. It is a clear case of inaccurate reporting under FCRA 607 ( b ). Please remove or correct this error. 
XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Late Payment Duplicate and inaccurate reporting. No payments were late, and this information appears to have been carried over from an old servicer system. I never consented to or confirmed such records. 
DEPT OF EDUCATION / XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$4500.00} | Status : Late Payment False late payment reporting. I maintained on-time payments and never defaulted on this account. I request full documentation from the furnisher proving the alleged delinquency. 
DEPT OF EDUCATION / XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$4000.00} | Status : Late Payment This account reflects the same errors as the one abovefalse reporting of late payments with no evidence. I dispute the accuracy and validity of this item. 
XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Late Payment Incorrect and unverifiable. A {$0.00} balance account can not be considered late. This item is misleading and should be deleted immediately. 
XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Late Payment Duplicate entry and inaccurate reporting. I demand deletion under FCRA 611 ( a ) ( 1 ) ( A ) if the bureau can not validate the information with concrete documentation. 
DEPT OF EDUCATION / XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$330.00} | Status : Late Payment False late payment reporting. I have never been delinquent on this account, and there is no legitimate proof supporting the claim. I demand correction of payment history. 
XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Late Payment Completely inaccurate record. This account is paid in full and closed. Reporting a {$0.00} balance as late is a violation of the FCRAs accuracy standard. 
XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Late Payment This account is being reported as having a late payment despite showing a XXXX balance. It is impossible for a paid or closed account to be marked late. This is inaccurate and misleading. I request immediate correction or deletion. 
XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Late Payment Duplicate and erroneous reporting. No late payments occurred on this account. The duplicate reporting is damaging and must be corrected or deleted under FCRA 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Late Payment False late payment record. I have never made any late payments on this account, and no evidence exists to support this entry. Please verify this account with proper documentation or delete it. 
XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Late Payment Another duplicate and false reporting entry. I am disputing the accuracy and legitimacy of this data. If verification can not be provided, it must be permanently deleted. 
DEPT OF EDUCATION / XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$2700.00} | Status : Late Payment Incorrect reporting of late payment history. I made all payments on time and have supporting documentation. The servicers reporting error has created false derogatory information, violating FCRA 623 ( a ) ( 1 ) ( A ). 
DEPT OF EDUCATION / XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$1900.00} | Status : Late Payment Inaccurate late payment reporting. I never made late payments on this account, and the data being reported is unverifiable. I request reinvestigation and correction. 
XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Late Payment This account is closed and has a XXXX balance. Reporting a late payment on a XXXX balance account is factually and legally inaccurate. Immediate deletion is requested. 
XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Late Payment Duplicate and erroneous reporting of the same account. This duplication is misleading and negatively impacts my creditworthiness. Please remove all duplicate records. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$710.00} | Status : Collection * * Duplicate and incorrect reporting. This entry mirrors the above XXXX XXXX account, creating double damage to my report. I dispute both as inaccurate and demand deletion for lack of proper verification. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$760.00} | Status : Collection * * Duplicate reporting of the same account listed above. Reporting the same debt multiple times is misleading and unlawful under FCRA 607 ( b ). Please delete this duplicate entry immediately. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$820.00} | Status : Collection * * I have never opened or authorized any account with XXXX XXXX. This is false and unverifiable information. I demand deletion unless full proof of the original debt is produced. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$400.00} | Status : Collection * * Another duplicate and inaccurate record of the same XXXX XXXX  debt. This account is false and must be removed for violation of accuracy requirements. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$720.00} This account is being falsely reported as a collection. I have no record, contract, or prior knowledge of any account with XXXXXXXX XXXX. No validation notice or debt verification has ever been received as required by 15 U.S.C. 1692g ( b ). I demand this account be immediately deleted as it is unverifiable and inaccurate under FCRA 611 ( A ) ( 1 ) ( A ). 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} This collection account is reported without my consent or authorization. No validation, signed contract, or documentation exists linking me to this alleged debt. This is a clear violation of FCRA 609 ( A ) ( 1 ) and FDCPA 809 ( b ). I am demanding the permanent deletion of this unverified account from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} I have no knowledge of this account or any business relationship with XXXX XXXX. No validation or original creditor proof has ever been provided. This reporting is damaging, misleading, and in direct violation of FCRA 607 ( B ) for failure to ensure maximum accuracy. I demand immediate deletion and written confirmation of removal. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$700.00} This account is reported as a collection with no substantiation. I have never received any notice of debt validation as required by FDCPA 809 ( b ). This inaccurate entry must be removed immediately as it is unverifiable, erroneous, and unlawfully harming my consumer credit rights. 
DETAILS AND COMPLAINT SUMMARY : I am being severely impacted by the continued presence of these inaccurate, unverifiable, and unauthorized items. These furnishers and credit bureaus have failed to maintain reasonable procedures to ensure maximum possible accuracy as required by FCRA 607 ( B ). None of the listed collection agencies have provided validation or proof of ownership of these debts, nor have they complied with FDCPA 809 ( b ). The inquiries listed were performed without my authorization, which constitutes an unlawful access to my consumer credit file.

These actions have caused measurable damage to my credit score, denied applications, and emotional distress due to negligence and noncompliance. I am requesting the CFPB to conduct a full investigation and require the credit bureaus and furnishers to : 1. Provide documented verification and validation of all accounts and inquiries listed. 
2. Permanently delete all unverifiable or unauthorized accounts from my credit report.

3. Enforce compliance with all applicable FCRA and FDCPA provisions.

REQUESTED ACTION : I request the CFPB to open a case and contact the reporting agencies and furnishers immediately to investigate the listed items. If no lawful verification can be provided, I request permanent deletion of the accounts and written confirmation of resolution.

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