Consumer complaint received 2025-11-03 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 formal complaint against the credit bureaus and furnishers for failing to maintain accurate and verifiable information on my credit file. The following items are being reported inaccurately and are causing harm to my consumer rights under federal law. I am demanding a full reinvestigation and immediate correction or removal of these items from my credit report. 

Addresses : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX, XXXX, TX XXXX These addresses are completely inaccurate and never associated with my residence or verified financial records. Reporting these wrong addresses violates FCRA XXXX ( b ), which requires you to maintain accuracy and proper identification of consumer information. Continuing to report false addresses creates confusion and may link my report with fraudulent activity or accounts not belonging to me. I request immediate deletion of these addresses from my credit file. 

Accounts : WEBBNK/FHUT Account No : XXXXXXXX XXXX XXXX  High Balance : {$250.00} Date Opened : XX/XX/XXXX Late Payment * * This account has been falsely reported with a late payment that I never made. The creditor failed to provide full validation or contractual proof supporting this derogatory notation. Under FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), furnishers must report only verified information. Continuing to list an unverifiable late payment misrepresents my payment history and damages my credit reputation. This item must be corrected or deleted immediately. 

XXXX XXXX Account No : XXXXXXXX XXXX High Balance : {$350.00} Date Opened : XX/XX/XXXX Charge Off * * This charge-off is inaccurately reported. There has never been a verified document or signed contract provided showing my acknowledgment of this alleged debt. Reporting unverified charge-off data violates FCRA XXXX ( b ) and XXXX ( b ) ( XXXX ) ( D ), as no proper reinvestigation has been conducted. Any unverified or unverifiable account must be deleted as required by FCRA XXXX ( a ) ( XXXX ). 

XXXX XXXX Account No : XXXXXXXX XXXX High Balance : {$870.00} Date Opened : XX/XX/XXXX Charge Off * * This account was reported as a charge-off without my consent or validation of debt ownership. The information lacks complete accuracy and verification, directly violating FCRA XXXX ( A ) and XXXX ( a ) ( XXXX ) ( A ). The reporting party has failed to prove the validity of this debt, and therefore, this entry must be permanently deleted under the law. 

XXXX Account No : XXXXXXXX XXXX High Balance : {$26000.00} Date Opened : XX/XX/XXXX Late Payment * * This account contains late payment data that is inconsistent with my actual records. There was no lawful investigation or original documentation verifying such payment history. Under FCRA XXXX ( a ) ( XXXX ) ( A ), you must reinvestigate disputed information and delete unverifiable data. The presence of false delinquency misrepresents my true payment reliability and must be removed. 

XXXX  Account No : XXXXXXXX XXXX High Balance : {$25000.00} Date Opened : XX/XX/XXXX Charge Off * * This charge-off report is inaccurate and lacks proper substantiation. I have never received any notice validating this alleged account. Continued reporting of unverified derogatory data violates FCRA XXXX ( a ) ( XXXX ) and XXXX ( a ) ( XXXX ). The entry must be deleted as it was not verified within the required timeframe and continues to cause damage to my consumer file. 

XXXX FIN Account No : XXXXXXXX XXXX High Balance : {$21000.00} Date Opened : XX/XX/XXXX Charge Off * * The alleged charge-off reported by XXXX XXXX is unverifiable. The creditor has failed to provide documentation linking me to this account, violating FCRA XXXX ( a ) ( XXXX ) and FDCPA XXXX ( b ), which require debt verification upon dispute. Any item that can not be verified must be immediately removed from my report. 

XXXX XXXX Account No : XXXX High Balance : {$770.00} Date Opened : XX/XX/XXXX Collection * This collection account is false and unverified. There is no proof that I authorized or owned this debt, and no validation notice was provided under FDCPA XXXX ( a ). Reporting a debt without proper validation violates both FCRA XXXX ( a ) ( XXXX ) and FDCPA XXXX ( XXXX ). Therefore, this item must be deleted immediately for noncompliance. 

XXXX XXXX Account No : XXXXXX/XX/XXXXHigh Balance : {$680.00} Date Opened : XX/XX/XXXX Collection * * This collection account is inaccurately reported. XXXX XXXX XXXX failed to validate the debt or show any evidence of ownership or transfer rights. This violates FCRA XXXX ( a ) ( XXXX ) ( A ) and FDCPA XXXX ( XXXX ) ( A ). Continuing to report an unvalidated account after a dispute constitutes willful noncompliance and demands deletion. 

XXXX XXXX Account No : XXXXXXXX XXXX  High Balance : {$350.00} Date Opened : XX/XX/XXXX Collection * * This is another false collection from Portfolio Recovery that has never been validated. No original contract, itemized statement, or proof of ownership has been presented to verify its accuracy. FCRA XXXX ( b ) and XXXX ( a ) ( XXXX ) require removal of unverifiable data, making this entry subject to immediate deletion. 

Inquiries : XXXX TV XX/XX/XXXX XXXX XX/XX/XXXX IR XX/XX/XXXX These inquiries were made without my authorization or permissible purpose under FCRA XXXX ( a XXXX. I did not apply for any credit or grant consent to these entities at the time of inquiry. Such unauthorized access constitutes a violation of my privacy rights under FCRA XXXX ( a ) ( XXXX ) and XXXX, and these inquiries must be removed immediately. 

I request that the CFPB hold the credit bureaus and furnishers accountable for these violations and ensure immediate corrective action is taken. I am requesting the deletion of the inaccurate address, removal of unverifiable late payments, and deletion of the unauthorized inquiry. I expect full written confirmation of the actions taken in response to this complaint. These violations have caused measurable harm to my reputation and financial standing, and I am exercising my full rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act to demand compliance and correction.

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