Consumer complaint received 2025-09-18 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: PA

Complaint narrative:
I am filing this complaint with CFPB regarding inaccurate and unverifiable account reporting on my credit file. Despite my repeated attempts to resolve these discrepancies directly with the creditors, these accounts continue to reflect erroneous information that negatively impacts my creditworthiness and financial reputation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to have all inaccurate or unverifiable information corrected or removed from my credit reports. These accounts violate my rights under FCRA by reporting incorrect balances, dates, and collection statuses without proper verification. I request CFPB intervention to ensure a thorough investigation and immediate correction or deletion of these items. 

Addresses : XXXX XXXX XXXX, XXXX  XXXX I have never resided at or conducted any financial activity associated with this address. The reporting of this location on my credit file constitutes a material inaccuracy under FCRA 1681i ( a ). Its presence creates a risk of identity confusion and misattribution of credit accounts. I have no lease, utility, or other records linking me to this location. This address is not part of my personal, business, or mailing history. Reporting this falsely can negatively affect my credit score and loan eligibility. I request immediate reinvestigation and removal if unverifiable. The bureau must contact the furnisher to confirm accuracy. Inclusion of this erroneous address violates my rights under FCRA 1681e ( b ) to ensure maximum possible accuracy. Failure to correct may constitute willful negligence. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address has never been associated with me personally or financially. Reporting it on my credit report is inaccurate under FCRA 1681i ( a ) and 1681e ( b ). No lease, mortgage, or utility account in my name exists at this location. Including it creates a false identity trail and potential for misreporting of accounts. It is materially misleading and risks denial of credit or other financial harm. I request full verification and immediate removal if unverifiable. The bureau must contact all furnishers who reported this address. Accurate reporting is required under federal law, and failure to comply breaches my rights as a consumer. 

Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/year> Balance {$850.00} Collection This account is being reported as a collection account inaccurately. I never received any prior notice from this creditor regarding a delinquent balance. Under FCRA 611 ( a ), I have the right to have unverified information removed from my credit file. The reporting of this account without proper validation violates FDCPA 809, which requires debt collectors to provide verification of any debt. I have not received such validation, nor have I authorized this account to be reported as a collection. The balance reported may be inaccurate or inflated. Reporting unverified debt harms my creditworthiness and is legally impermissible. I dispute this account in full and demand a thorough reinvestigation. If verification can not be provided, this account must be deleted from my credit report. I expect written confirmation of the results of your reinvestigation and a corrected credit report reflecting the outcome. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year> Balance {$6000.00} Collection This account is being inaccurately reported as a collection. I do not recognize this account as mine, and I have no records or agreement linking me to this alleged debt. Under FCRA 611 ( a ), I am entitled to a full reinvestigation of any disputed information. The reporting of an unverified debt violates federal consumer protection laws, including FDCPA 809, which mandates verification of debts upon dispute. I have not been provided with any evidence confirming that I am legally obligated to pay this debt. The accounts reporting is therefore both inaccurate and incomplete. Continuing to report this without verification constitutes a violation of my rights and has caused harm to my creditworthiness. I demand that this account be investigated immediately, verified, and either corrected or removed. Failure to validate this account should result in its deletion from my credit report. I expect written confirmation and an updated report showing corrections. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year> Balance {$1200.00} Collection This account is being reported inaccurately as a collection. I have never received notice of any balance due or validation of this alleged debt, which is required under FDCPA 809. Under FCRA 611 ( a ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Reporting an unvalidated account harms my credit score and constitutes a violation of federal law. I dispute this account entirely and request a full reinvestigation. The balance may be incorrect, and the account may not belong to me. No supporting documentation has been provided to verify that this account is accurate or valid. The accounts current reporting is misleading and legally questionable. I demand that you investigate, verify, and either correct or delete this account. I expect written confirmation of the investigations results and an updated credit report reflecting any changes. 

Inquiries : XXXX XXXX XX/XX/year> I did not authorize this inquiry. FCRA 1681b ( a ) ( 2 ) mandates that only authorized credit pulls may appear on my report. Reporting this inquiry is inaccurate and materially damaging. Unauthorized inquiries can reduce my creditworthiness and mislead potential lenders. I request immediate reinvestigation and removal. The bureau must verify with the furnisher and provide documentation of authorization. If unverifiable, the inquiry must be deleted. Continued reporting violates my rights under FCRA. Written confirmation of correction or deletion is requested. 

XXXX XX/XX/year> This inquiry was not initiated or approved by me. FCRA 1681b ( a ) ( 2 ) requires consumer consent for all inquiries. Its presence on my credit report is inaccurate and materially harmful. Unauthorized inquiries negatively affect my credit profile and potential lending decisions. I dispute this inquiry and demand immediate deletion. The bureau must verify authorization with the furnisher. If the inquiry can not be verified, deletion is required. Reporting without verification violates my FCRA rights. Written confirmation of correction or removal must be provided. 

I request CFPB to compel the credit reporting agencies and creditors to comply with FCRA requirements, conduct proper reinvestigations, validate all debts, and remove unverifiable or inaccurate collections immediately. The continued reporting of these accounts without verification constitutes a blatant violation of my rights and has negatively affected my ability to secure credit, housing, and employment.

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