Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) due to numerous inaccuracies on my credit report, including collections, bankruptcy, and unauthorized inquiries. These errors are negatively affecting my creditworthiness, ability to obtain credit, and causing me undue stress. The credit bureaus have failed to conduct reasonable investigations as required under FCRA 611 ( a ), and furnishers have failed to ensure accurate reporting per FCRA 623 ( a ). I request a thorough investigation and immediate correction of all inaccurate and unverifiable information. 

ACCOUNT XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance Owed : {$70.00} | Collection This collection account is being reported inaccurately and without proper documentation. XXXX XXXX XXXX has never provided signed evidence or original billing statements that prove ownership of this debt. Reporting unverifiable collection data violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they knowor should knowis inaccurate. Since the debt collector has failed to validate this account under the FDCPA 809 ( b ), it must be deleted from my credit file immediately for failure to meet both FCRA and FDCPA compliance standards. 

BANKRUPTCY XXXX Bankruptcy XXXX Reference # XXXX This bankruptcy record is being reported inaccurately. I never filed nor authorized any bankruptcy proceeding under this reference number. According to FCRA 611 ( a ) ( 5 ) ( A ), unverifiable public records must be deleted if the bureau can not provide direct evidence obtained from the original court system, not through third-party databases. The continued presence of this false bankruptcy damages my credibility and violates FCRA 602 ( A ) by failing to uphold accurate and fair reporting. 

INQUIRIES XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  These inquiries were unauthorized and were never initiated or approved by me. According to FCRA 604 ( a ) ( 2 ), a permissible purpose must exist before any entity may access a consumers credit file. None of these companies obtained my written authorization or consent to pull my report. Each unauthorized inquiry is a direct violation of FCRA 604 ( a ) and 607 ( a ), which require credit bureaus to ensure inquiries are made only with a lawful purpose. Each of these inquiries must be permanently removed to prevent further harm or misuse of my personal data.

I demand that the CFPB direct all involved credit bureaus and furnishers to perform a complete reinvestigation under FCRA 611, remove or correct any inaccurate, unverifiable, or unauthorized items, and provide written confirmation of corrections. Continued failure to comply constitutes ongoing violations of the FCRA and FDCPA, which I will escalate through all available legal remedies.

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