Consumer complaint received 2025-09-29 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: GA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) are being violated by the inaccurate, incomplete, and harmful reporting of accounts and inquiries that do not belong to me or are being reported in violation of federal law. These items are causing severe damage to my creditworthiness, limiting my ability to obtain housing, transportation, employment, and financial stability. The credit bureaus and furnishers have failed in their duty to ensure maximum accuracy as required by law and to properly investigate my disputes. I am requesting the CFPB to take enforcement action to ensure these violations are corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Wrong Address This address is completely inaccurate and never belonged to me. By reporting this as part of my file, you are mixing another consumers information with mine, which violates FCRA 607 ( b ) regarding accuracy. No bills, no leases, no utility accounts, or verifiable documents exist connecting me to this location. Keeping this information damages my profile, creates identity confusion, and falsely associates me with debts that are not mine. Continuing to allow such an error to exist reflects a lack of reasonable procedures to ensure maximum possible accuracy. The FCRA demands that disputed information be verified with competent evidence, and none has been produced. This creates risk for future lenders who may wrongly associate me with accounts that do not belong to me. Failure to correct this mistake is a negligent violation of FCRA 611 and may also amount to willful noncompliance under 616. This wrong address must be deleted immediately. 

XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX Wrong Address This is not and has never been my residence. Reporting an address that can not be substantiated with legitimate documentation such as government records or lease agreements is negligent under FCRA 607 ( b ). It is your responsibility to ensure that addresses do not remain attached when there is no evidence to support them. Continuing to allow this data to appear places me at risk of fraud and misidentification. This error gives the false impression that I lived in an area where I never resided, which can mislead lenders, insurers, and employers. FCRA 611 makes it clear that once an address is disputed, it must be reinvestigated properly, not assumed correct. The presence of this address indicates poor procedures and failure to validate consumer information. Unless you can provide lawful evidence directly connecting me to this address, it is unverifiable and must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} Late Payment * * This account is reported with late payments that are inaccurate and harmful. Under FCRA 607 ( b ), you must report with maximum possible accuracy, and yet no valid proof has been provided that any late payments occurred. Furnishers are obligated under FCRA 623 ( a ) to report only correct information. I have never received proof in the form of original billing statements or account records to validate these alleged late payments. Automated data sharing between furnisher and bureau is not a lawful verification under FCRA 611. By continuing to report this account with negative marks, you are placing me in financial jeopardy when lenders and insurers review my file. The Consumer Financial Protection Bureau ( CFPB ) has issued guidance that unverifiable late payments must not be reported. It is your duty to confirm with original source documents and not rely solely on electronic coding. The burden of proof is on the furnisher and bureau, not the consumer. Failure to delete unverifiable late entries is a willful violation of FCRA 616. Unless complete, verifiable records are produced within 30 days, these inaccurate late payment notations must be deleted immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00} Late Payment * * This is a duplicate entry of the XXXX account already listed, and reporting it with different balances and statuses constitutes double jeopardy on my file. FCRA 607 ( b ) prohibits duplication that misrepresents the consumers true obligations. There is no legal justification for two entries of the same account, especially with conflicting balance information. Such duplication inflates negative reporting and creates an inaccurate representation of my financial history. I demand you provide evidence showing how two balances can lawfully exist under the same creditor and account number. Without actual proof, this is misleading and unlawful. The bureaus duty is not to simply repeat what a furnisher provides but to ensure accuracy and fairness under FCRA 602. If you can not prove that this account is distinct from the other XXXX account, it must be immediately deleted. Continuing to report this duplicate account violates FCRA 611 because you are not properly investigating disputes. This account is unverifiable, harmful, and must be removed. 

DPT ED/XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$65000.00} Late Payment * * This federal student loan is being reported with late payments that are inaccurate. There has been no verifiable documentation provided to show that the payments were late. FCRA 609 entitles me to see the source of the information being reported, yet nothing has been provided beyond generic bureau responses. FCRA 611 requires that you obtain actual documentation from the servicer or Department of Education, not rely on automated data. Failure to provide such documentation proves this information is unverifiable. Reporting negative information without proof misleads lenders and harms my ability to obtain credit. In addition, federal loans follow specific servicing rules, and inaccurate late payment reporting violates the Higher Education Act as well. You can not lawfully keep these entries without direct evidence. Unless complete records are provided, including statements and servicing history, the alleged late payments must be deleted. Continued reporting of unverifiable lates is a direct violation of federal law and willful noncompliance. 

XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00} Collection * * This collection account is being reported without any chain of title or proof of ownership. Debt buyers like XXXX XXXX are notorious for placing accounts on credit files without original documentation. FCRA 611 requires a reinvestigation with actual proof, not assumptions. FDCPA 807 also prohibits false or misleading representations, which applies when an account is reported without evidence of assignment. You have failed to provide a signed contract, account statements, or legal transfer showing that XXXX has the right to collect. Reporting unverifiable debts violates my consumer rights and misleads future creditors. This entry creates unnecessary harm to my profile and exposes me to fraudulent claims. The CFPB has repeatedly issued enforcement actions against furnishers for reporting unverifiable collections. Without documentation from the original creditor proving transfer and ownership, this collection is invalid. It must be permanently deleted as required by law. 

XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1500.00} Charge Off * * This XXXX account is being reported as a charge-off but has not been verified. No signed contract, original application, or billing history has been provided. FCRA 609 gives me the right to request this documentation, but none has been produced. Reporting unverifiable data violates 611 and 607 ( b ). Charge-offs are highly damaging, and without lawful proof, they can not be kept on file. The bureau must ensure accurate information, not assumptions. Continuing to report this entry misrepresents my financial history and damages my credibility. This account must be deleted immediately unless full, original documentation is provided. Keeping it without verification is a violation of federal law. 

XXXX XXXX XX/XX/XXXX Inquiry This inquiry was made without my authorization or a permissible purpose under FCRA 604. I did not apply for any credit or financing through XXXX XXXX on this date. Reporting an unauthorized hard inquiry is harmful and misleading because it suggests I sought new credit when I did not. Hard inquiries reduce my score and create the impression of higher credit risk. FCRA requires that inquiries only be reported with consumer consent and proper verification. No signed application or written authorization exists to justify this inquiry. It must be removed immediately as it violates my rights under FCRA 611 and 604. Keeping it without proof of authorization is unlawful. 

XXXX XXXX XX/XX/XXXX XXXX This inquiry is also unauthorized and inaccurate. I did not provide consent for XXXX XXXX to pull my credit file. Reporting an inquiry without a permissible purpose violates FCRA 604 and 607 ( b ). This entry harms my credit profile by lowering my score and creating a false impression of seeking new debt. Unless you can provide documentation showing that I personally authorized this inquiry, it must be deleted. FCRA requires proof of consent before reporting inquiries. Without evidence, this is an unverifiable and unlawful entry. It must be removed. 

XXXX XXXX XX/XX/XXXX Inquiry This inquiry was made without my knowledge or authorization. FCRA 604 strictly limits credit pulls to legitimate applications or written consent, which I did not provide. No records exist showing I sought financing with XXXX XXXX on this date. The reporting of this inquiry misleads lenders by suggesting I applied for credit when I did not. Each unauthorized inquiry damages my score and violates FCRA accuracy requirements under 607 ( b ). Without verifiable proof of a signed application, this inquiry must be deleted immediately. 

XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry is not authorized by me and must be deleted. I never applied for credit, financing, or services with XXXX XXXX XXXX  on the reported date. Reporting inquiries without consent violates FCRA 604 and misrepresents my consumer activity. These entries harm my ability to secure fair credit terms because they create a false image of excessive credit-seeking behavior. You must reinvestigate and provide proof of authorization. If you can not produce signed documentation, the inquiry is unverifiable and must be deleted under FCRA 611. 

XXXX XXXX XX/XX/XXXX Inquiry This is a repeated unauthorized inquiry by XXXX XXXX. I did not give consent or submit any credit application at this time. Reporting duplicate unauthorized inquiries is a clear violation of FCRA 604 and 607 ( b ). The presence of multiple inquiries from the same company further misrepresents my profile and lowers my score unfairly. Unless you can produce a signed application proving authorization, this entry is unlawful. The FCRA requires removal of unverifiable and unauthorized inquiries. This must be deleted immediately.

I request the Consumer Financial Protection Bureau to investigate these violations and hold the furnishers and credit reporting agencies accountable under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. My consumer rights are being violated and my livelihood is being harmed due to these unlawful and inaccurate reports. I expect immediate corrective action to ensure maximum possible accuracy and compliance with federal law.

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