Consumer complaint received 2025-08-19 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: FL

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1100.00} Status : Chargeoff Law/Issue : FCRA 602 ( A ), 607 ( B ), and 609 ( a ) ( 1 ) require fair and accurate reporting, information must be verified and complete, chargeoff is inaccurate Story : This account is reporting as a chargeoff, but the balance and dates do not align with my records. XXXX XXXX has not provided sufficient documentation proving the accuracy of this reporting. The chargeoff status is harmful to my credit and misrepresents the nature of the account. Unless XXXX XXXX provides my original signed agreement and full payment history to prove accuracy, this account must be removed. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Status : Chargeoff Law/Issue : FCRA 602 ( A ) accuracy requirement and Section 611 dispute investigation, chargeoff status is not valid, balance appears inflated Story : This account shows a balance and chargeoff status that do not match my records. XXXX XXXX has failed to provide verification. This type of misreporting suggests negligence in data handling. If XXXX XXXX can not provide a complete record of payments and contract verification, the account must be permanently removed as inaccurate. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} Status : Collection Law/Issue : FCRA 607 ( B ) mandates maximum accuracy, 611 requires reinvestigation, collector must validate under FDCPA Section 809 ( b ) as well Story : I have no knowledge of this account. I never received any written communication or validation notice from this collector as required under FDCPA. Reporting it as a collection without proper proof of ownership and debt validation is illegal. Unless they produce my signed contract and clear evidence of debt, this item must be deleted. 

Account XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3800.00} Status : Chargeoff Law/Issue : FCRA 611 requires proper investigation and accuracy, creditor is reporting chargeoff but no proof of validity is shown, potential 607 ( B ) violation Story : I dispute this XXXX account as inaccurate. The chargeoff reporting does not match my payment history and no supporting evidence has been provided. This misreporting damages my ability to access fair credit and creates unnecessary financial hardship. Unless full validation is provided by the original creditor, this account must be removed. 

Inquiry XXXX XXXX XX/XX/XXXX Law/Issue : FCRA Section 604 ( a ) violation, inquiry lacks permissible purpose Story : I never sought financing with XXXX XXXX XXXX yet they pulled my report. This is a clear unauthorized inquiry and it must be deleted immediately. 

Inquiry XXXX XX/XX/XXXX Law/Issue : FCRA 604 ( a ) requires inquiry authorization, none exists Story : XXXX accessed my credit report without my consent. This inquiry is invalid and must be deleted from my credit file. 

Inquiry XXXX XXXX XX/XX/XXXX Law/Issue : FCRA Section 604 ( a ), inquiries require permissible purpose, not present here Story : XXXX XXXX had no authorization or permissible purpose to review my credit report. I demand this inquiry be deleted as it was unauthorized. 

Inquiry XXXX XX/XX/XXXX Law/Issue : FCRA Section 604 ( a ), consumer authorization required, not provided Story : XXXX accessed my report without my knowledge or consent. This unauthorized inquiry is illegal and must be removed. 

I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

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