Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
This complaint is being filed due to the continuous inaccurate, outdated, and unverifiable information being reported on my credit profile. These errors are severely affecting my ability to obtain housing, credit, employment, and financial stability. I have made numerous attempts to have these items corrected, but the credit bureaus have failed to perform a reasonable investigation as required under federal law. I am now requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and enforce my rights under the law. I am disputing multiple addresses, accounts with charge-offs, late payments, collections, and unauthorized inquiries. Below is a detailed breakdown of each issue, the applicable law, and supporting information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance Owed : {$12000.00} Status : Charge-Off Law Issue : Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must ensure maximum accuracy of the information they report. If this charge-off is inaccurate, unverifiable, or reported without proper validation, it must be removed.

Story : This account has been reported as a charge-off with a large outstanding balance. I have not received any proper validation or supporting documentation for this debt from the creditor. I am requesting a reinvestigation and validation of this account as required by FCRA 611 and 623. If the information can not be verified, it must be deleted from my credit file. 
XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Status : Collection Law Issue : FCRA 609 ( a ) ( XXXX ) grants me the right to request the source of the information and verification. If the reporting furnisher can not validate this debt or it is inaccurate, it must be removed. 
Story : I do not recognize this collection account, nor have I received any communication validating its legitimacy. As required by the Fair Debt Collection Practices Act ( FDCPA ) and the FCRA, this item must be verified with accurate documentation or removed immediately. Please conduct a reinvestigation and provide all source documents. 
XXXX XXXX Date : XX/XX/XXXX Law Issue : FCRA 604 mandates that credit bureaus only allow hard inquiries when authorized by the consumer. 
Story : I challenge the legitimacy of this inquiry as I did not provide XXXX XXXX permission to access my credit file. I request immediate removal if it can not be substantiated. 
I request the Consumer Financial Protection Bureau to enforce the removal of the disputed addresses, the incorrect and unverifiable account entries, and all unauthorized hard inquiries listed above. The bureaus and data furnishers have failed to provide documentation verifying the accuracy or legitimacy of these entries and have not corrected these items after prior disputes. This ongoing negligence is violating my consumer rights, damaging my credit score, and affecting my livelihood. I respectfully ask for immediate correction and full compliance with the FCRA, FDCPA, and all related statutes.

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