Consumer complaint received 2025-12-16 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 report continued inaccurate and unauthorized credit reporting that has not been resolved despite prior disputes. The credit reporting agencies and furnishers listed below have failed to ensure maximum possible accuracy as required under the Fair Credit Reporting Act, 15 U.S.C. 1681, 1681b, and 1681i. These items remain on my credit report after dispute and reinvestigation attempts, indicating non-compliance with federal law. 
XXXX XXXX account number XXXXXXXX XXXX XXXX with a reported date opened of XX/XX/XXXX is inaccurately showing late payment history. I have never made a late payment on this account. The payment history is incorrect and does not reflect my actual account performance. I am disputing the inaccurate late payment reporting only and request that the payment history be corrected to accurately reflect on-time payments. 
XXXX account number XXXXXXXX XXXX XXXX  with a reported date opened of XX/XX/XXXX is being reported as a charge-off. I have no knowledge of this account and do not recognize it as mine. This account has not been properly verified and must be deleted unless you can provide complete and accurate verification as required by the FCRA. 
XXXX account number XXXXXXXX XXXX XXXX with a reported date opened of XX/XX/XXXX is being reported as a charge-off. I have no knowledge of this account and it is not mine. If you can not provide full contractual verification, this account must be removed from my credit file. 
XXXX  account number XXXXXXXX XXXX XXXX  with a reported date opened of XX/XX/XXXX is inaccurately reporting late payments. I have never been late on this account. The payment history is inaccurate and must be corrected to reflect accurate and timely payments. 
XXXX account number XXXXXXXX XXXX XXXX  with a reported date opened of XX/XX/XXXX is reported as a charge-off. I have no knowledge of this account and it does not belong to me. This account is being disputed as not mine and must be removed if it can not be fully verified. 
XXXX XXXX account number XXXXXXXX XXXX XXXX  with a reported date opened of XX/XX/XXXX is inaccurately showing late payment history. I have never made a late payment on this account. The reporting is incorrect and I am requesting correction of the payment history only. 
XXXX XXXX account number XXXX XXXX with a reported date opened of XX/XX/XXXX is inaccurately reporting late payment history. I have never made a late payment on this account. The payment history is incorrect and I am disputing the inaccurate late payment reporting only. I am requesting correction of the payment history to accurately reflect on-time payments. 
XXXX XXXX account number XXXX XXXX XXXX  with a reported date opened of XX/XX/XXXX is also being reported as a collection account. I have no knowledge of this account and it does not belong to me. Duplicate and unverified reporting must be removed from my credit file. 
JXXXX account number XXXXXXXX XXXX XXXX XXXX XXXX with a reported date opened of XX/XX/XXXX is being reported as a collection account. I have no knowledge of this account and do not recognize it as mine. This account is unverified and must be deleted unless full and accurate verification is provided. 
XXXX account number XXXXXXXX XXXX XXXX XXXX  with a reported date opened of XX/XX/XXXX is also being reported as a collection account. I have no knowledge of this account and it does not belong to me. This item must be removed if proper verification can not be produced. 
XXXX XXXX inquiry dated XX/XX/XXXX was not authorized by me. I did not initiate any application with this entity. This inquiry must be deleted. 
XXXX XXXX inquiry dated XX/XX/XXXX was not authorized by me. I did not apply for credit on this date. This inquiry must be removed. 
XXXX inquiry dated XX/XX/XXXX was not authorized by me and does not have permissible purpose. This inquiry must be removed. 
XXXX inquiry XXXX XX/XX/XXXX was not authorized by me. I did not apply for credit with this creditor. This inquiry must be deleted. 
XXXX inquiry dated XX/XX/XXXX was not authorized by me. No permissible purpose exists for this inquiry. Deletion is requested. 
XXXX XXXX inquiry dated XX/XX/XXXX was not authorized by me. I did not apply for auto credit with this lender. This inquiry must be deleted. 
XXXX XXXX inquiry dated XX/XX/XXXX was not authorized by me. This inquiry lacks permissible purpose and must be removed. 
XXXX XXXX inquiry dated XX/XX/XXXX was not authorized by me. I did not apply for credit. This inquiry must be deleted. 
The continued reporting of these collection accounts and inquiries without proper verification or permissible purpose demonstrates a failure to comply with the Fair Credit Reporting Act. I am requesting that CFPB require the credit reporting agencies and furnishers involved to correct or delete these items immediately and provide written confirmation of compliance.

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