Consumer complaint received 2025-07-31 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 to the Consumer Financial Protection Bureau ( CFPB ) due to multiple inaccurate and damaging items being reported by the credit bureaus. Despite previous disputes and reinvestigation requests, these accounts, addresses, and inquiries remain unresolved and unverified. I am requesting that the CFPB take immediate action to investigate, enforce accountability, and ensure deletion and correction of these accounts, as they are either inaccurate, outdated, unverifiable, or the result of misreporting. These errors are causing serious harm to my creditworthiness, financial opportunities, and violate my consumer protection rights under federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Law : FCRA Section 611, 15 U.S.C. 1681i Issue : Inaccurate Address Story : I have never lived, rented, or been associated with this address. Including this on my report is a direct violation of the accuracy requirement mandated by the FCRA. It is misleading and may link me to accounts or inquiries that are not mine. I demand its immediate deletion. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Law : FCRA Section 611, 15 U.S.C. 1681i Issue : Inaccurate Address Story : This address is not now and never has been associated with me. Its inclusion is damaging and creates confusion about my identity. I request a full reinvestigation and deletion of this address from my credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} Law : FCRA Section 611, 15 U.S.C. 1681i Issue : Late Payment Story : I dispute this late payment because it is reported inaccurately. I have no knowledge of ever having missed payments on this account, and there has been no proper verification provided. I request immediate reinvestigation and removal of the delinquency. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$550.00} Law : FCRA Section 611, 15 U.S.C. 1681i Issue : Late Payment Story : This is not a valid late payment. I was never notified, and I never received proper billing statements. I request deletion of this derogatory mark as it was reported without complete and accurate investigation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$440.00} Law : FCRA Section 611, 15 U.S.C. 1681i Issue : Late Payment Story : I dispute this entry as inaccurate and unverifiable. I do not recall being late or notified of any missed payment. I request deletion unless verifiable proof is provided. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1100.00} Law : FCRA Section 611 Issue : Late Payment Story : This negative mark has harmed my score and was added without proper investigation or documentation. I dispute it and request deletion unless you can validate the information in full compliance with federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$910.00} Law : FCRA Section 611 Issue : Late Payment Story : I have no documentation verifying the legitimacy of this late payment. This is an error and must be removed unless full validation is conducted and provided. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} Law : FDCPA 15 U.S.C. 1692g and FCRA 611 Issue : Collection Story : This account is inaccurate and unverifiable. I was never properly notified about the debt, and I dispute its validity. If XXXX can not validate the debt, it must be deleted. 
XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Law : FCRA Section 611 Issue : Charge Off Story : This account has been settled or closed for years and should not be reporting as a charge-off. It continues to harm my credit profile and must be removed immediately. 
XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Law : FCRA Section 605 Issue : Charge Off Story : This account is outdated and should be removed as it surpasses the reporting period for derogatory accounts. Please remove this obsolete entry from my credit file. 
XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Law : FCRA Section 611 Issue : Charge Off Story : This account is not mine and was added without my knowledge or consent. I demand a full reinvestigation and deletion under FCRA regulations. 
XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Law : FCRA Section 611 Issue : Charge Off Story : This charge-off is disputed due to identity confusion or internal error. I have no relationship with WFC and request immediate deletion. 
XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Law : FCRA Section 611 Issue : Late Payment Story : This late payment is being inaccurately reported. I demand proper documentation or deletion from my credit file. 
XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} Date Opened : XX/XX/XXXX Law : FDCPA Section 809 and FCRA Section 611 Issue : Collection Story : I have never received a debt validation notice for this account. This violates my rights and the account must be removed unless legally validated. 
XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$420.00} Date Opened : XX/XX/XXXX Law : FDCPA Section 809 Issue : Collection Story : XXXX failed to provide me with a debt validation. The item is disputed, and I request deletion from my file unless verified properly. 
Original Creditor : XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} Date Opened : XX/XX/XXXX Law : FDCPA Section 809 Issue : Collection Story : This is not a debt I recognize, and Ive never received any communication regarding this balance. I dispute its legitimacy and demand removal if not verified under FDCPA. 
XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX Law : FCRA Section 611 Issue : Charge Off Story : This account is reporting inaccurately as a charge-off. I request its immediate deletion unless you can validate this item per FCRA guidelines. 
XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$160.00} Date Opened : XX/XX/XXXX Law : FCRA Section 611 Issue : Charge Off Story : This negative status was inaccurately reported without due process. I request deletion or full documentation supporting the charge-off. 
XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Law : FCRA Section 605 Issue : Charge Off Story : This account is outdated and qualifies for removal under the 7-year reporting limit. Please remove this obsolete account immediately. 
XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$780.00} Date Opened : XX/XX/XXXX Law : FCRA Section 611 Issue : Charge Off Story : I dispute the validity of this charge-off. No adequate proof or statements were sent to me. Please delete this account unless full legal validation is conducted. 
XXXX Account # : XXXXXXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Law : FCRA Section 611 Issue : Charge Off Story : This account is not recognized, and its reporting as a charge-off is harmful and inaccurate. Remove this from my file unless verified by complete documentation.

TRANSUNION INQUIRIES Law : FCRA 604, 611, 609 Issue : Credit inquiries showing on my file that were not initiated or authorized by me Story : These inquiries are completely unauthorized and were made without my consent. They should not appear on my report and must be removed under FCRA rules. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to fully investigate each of these items and ensure compliance with federal law. The credit reporting agencies and furnishers have not provided the proper documentation to support continued reporting of these entries. I demand that all unverifiable, inaccurate, outdated, and unauthorized information be permanently removed from my credit reports. These errors are significantly impacting my life, and I expect the CFPB to take immediate action and provide the results of this investigation.

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 explanation