Consumer complaint received 2025-12-03 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: LA

Complaint narrative:
I am filing this complaint because multiple furnishers are reporting late payments that never occurred, violating FCRA 602 ( A ), 607 ( B ), 611 ( A ), and 623 ( A ) ( 1 ) ( A ). I always pay on time, yet inaccurate data continues to harm me. I request immediate correction of all false late payment histories. 

ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address is not mine and was never associated with me. Reporting an incorrect address violates FCRA 607 ( b ) for failure to maintain accurate information. I am requesting immediate deletion. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$480.00} Chargeoff I have no knowledge of this account and it appears on my report without proper verification. Under FCRA 611 ( a ) and 607 ( b ), you must verify accuracy with documented proof, not automated data. Since no such proof exists, I request deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Chargeoff I do not recognize this account and it appears to be inaccurately reported without proper identification or contractual evidence. Under FCRA 602 ( a ) and 611 ( a ), unverifiable information must be deleted. Please remove this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} Chargeoff This account is unfamiliar to me and is being reported without validation. Reporting unverifiable debt violates FCRA 607 ( b ). I request immediate deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$710.00} Collection I have no knowledge of this collection account and there is no proof of responsibility or contractual obligation. Under FCRA 611 ( a ) and 607 ( b ), delete this account. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3800.00} Collection This item is inaccurate and unverified. I never authorized or agreed to any debt with this company. Under FCRA 611 ( a ) and 602 ( a ), this must be removed as unverifiable information. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} Collection I do not recognize this account and there is no evidence tying it to me. Reporting unverified debt violates FCRA 607 ( b ). Please delete this immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me and violate FCRA 604 ( a ) ( 2 ) and 607 ( b ). I request removal of each inquiry for lack of permissible purpose. 

I respectfully request CFPB intervention because these repeated inaccuracies show the furnishers have not complied with the FCRA and continue to report false derogatory information that harms me.

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