Consumer complaint received 2025-10-20 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: MA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau against the credit bureaus and the furnishers listed below for reporting, verifying, and maintaining inaccurate, incomplete, and unverified information on my credit profile. I have previously disputed these accounts directly with the credit bureaus in accordance with the Fair Credit Reporting Act ( FCRA ), yet the accounts remain without proper reinvestigation or correction. The continued reporting of these items has negatively impacted my creditworthiness and caused emotional and financial harm. I am requesting a full investigation and enforcement action against the furnishers and credit bureaus involved in these violations. 

Account XXXX XXXX  XXXX Open Date XXXX XXXX, XXXX Balance : {$4500.00} Charge Off This account is being reported inaccurately and in violation of the Fair Credit Reporting Act 602 ( B ) and 611 ( A ) ( 1 ) ( A ), which ensure that data furnishers and credit bureaus only report verified, complete, and accurate information. I have no verified record or valid documentation proving this charge-off is accurate. The reporting of this account has caused harm to my credit reputation, and without verification from the original creditor through legally sufficient documentation, this data should not remain on my file. The creditor or bureau must provide full verification under the FCRA, including a signed contract, payment records, and the chain of custody of the account. If such verification can not be provided, this account must be removed immediately for failing to meet the standard of accuracy and completeness as required under FCRA 607 ( b ). 

Inquiry XXXX XX/XX/XXXX This inquiry was not authorized by me and was performed without permissible purpose under FCRA 604 ( A ) ( 2 ) and 604 ( F ) ( 1 ). Credit inquiries may only occur with my explicit written consent or as a result of a legitimate credit transaction initiated by me. This unauthorized inquiry appears to be an invasion of my privacy and a violation of my rights under federal law. Because it was not approved by me, I demand its deletion from my credit file and request the bureau to verify the permissible purpose documentation from XXXX. If such documentation can not be provided, the inquiry must be permanently removed from all three credit reports. 

These ongoing violations have caused significant emotional distress, financial hardship, and damage to my credit reputation. I request the CFPB to compel the furnishers and credit bureaus to immediately remove or correct all inaccurate, unverifiable, and unauthorized items listed above and to ensure full compliance with the Fair Credit Reporting Act. Furthermore, I request documentation proving the credit bureaus reinvestigation process, the furnishers verification methods, and any consent allegedly given for the inquiry. 
I am seeking enforcement action, deletion of the disputed accounts and inquiry, and confirmation of corrective measures taken by the involved parties.

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