Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint regarding several inaccurate and unverified items being reported on my credit report by Experian. These accounts and public records are being reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ). Despite my prior disputes, the reporting agency continues to list false, duplicate, and unverifiable information that has negatively affected my credit standing and financial reputation. 
Below are the specific accounts and issues in question : XXXX XXXX XXXX XXXX Late Payment Open Date : XX/XX/XXXX High Balance : {$33.00} This account is being reported as having a late payment which is completely false. I have never been late on any payment with this creditor. The reporting of a delinquency without factual proof is a clear violation of FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ) which requires maximum possible accuracy. There is no supporting evidence from the creditor validating this alleged delinquency. Therefore, this inaccurate mark must be corrected immediately to show an on-time payment history. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Charge Off Open Date : XX/XX/XXXX High Balance : {$20000.00} This account is being reported as a charge-off which I have no knowledge or documentation of. Capital One has failed to provide any original signed contract, payment history, or documentation verifying that I owed or defaulted on this account. Reporting an unverified charge-off constitutes a direct violation of FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 611 ( a ) which requires the credit bureaus to verify accuracy before reporting. I request immediate deletion of this account from my file. 
XXXX XXXX XXXX XXXXXXXX XXXX Charge Off Open Date : XX/XX/XXXX High Balance : {$570.00} I have no knowledge of this account and have never received any billing or correspondence related to it. Without proper validation or signed contractual proof, this account can not lawfully remain on my report. Under FCRA 611 ( a ) ( 1 ) ( A ), I am requesting a reinvestigation and deletion of this item unless fully verified with original documentation. Reporting unverifiable information violates FCRA 623 ( a ) ( 3 ).

Lead Bank XXXXXXXXX Late Payment Open Date : XX/XX/XXXX High Balance : {$35.00} This accounts late payment status is false and misleading. The creditor has failed to show any legitimate records proving that I missed a payment. Reporting unverified negative information severely impacts my creditworthiness and violates FCRA 623 ( a ) ( 1 ) ( A ). I request correction or deletion if no valid proof can be provided. 
XXXX XXXX XXXX Charge Off Open Date : XX/XX/XXXX High Balance : {$1100.00} I have no knowledge of this account or any agreement with First Premier. No documentation, signed application, or payment record has ever been provided. Under FCRA 611 ( a ) and 623 ( a ) ( 1 ) ( A ), you must verify the accuracy and ownership of this debt. If it can not be verified through original source documentation, this account must be deleted immediately. 
XXXXXXXX XXXX XXXX XXXXXXXX Charge Off Open Date : XX/XX/XXXX High Balance : {$6000.00} This reporting is completely inaccurate and unverified. I have never had any financial relationship with XXXXXXXX XXXX. Reporting false charge-off information without validation is a serious violation of FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ). I am demanding deletion of this account unless verifiable proof, such as signed agreements and complete payment history, is produced. 
XXXX XXXX XXXX XXXX Charge Off Open Date : XX/XX/XXXX High Balance : {$0.00} Reporting a charge-off account with a zero balance is inherently inaccurate and misleading, violating FCRA 607 ( b ). A zero-balance account can not be charged off if no amount is owed. This error must be corrected or deleted immediately. 
XXXX XXXXXXXX Late Payment Open Date : XX/XX/XXXX High Balance : {$34.00} This account is being reported with a late payment, which is completely inaccurate. I have never missed or been late on any payments related to this account. Reporting a false delinquency without any verification or documented proof directly violates FCRA 623 ( a ) ( 1 ) ( A ). The furnisher must produce full payment records to substantiate the accuracy of this report. If it can not be verified, this item must be corrected to reflect an on-time payment history under FCRA 611 ( a ). 
XXXX XXXX XXXX XXXX XXXX Collection Date Assigned : XX/XX/XXXX Original Balance : {$510.00} This alleged collection account is being reported inaccurately and without my consent. I have never received any notice or billing statement from XXXX XXXX regarding this balance. Reporting an unverified collection without proper validation documentation such as the original service contract, billing details, or itemized statements is a direct violation of FCRA 623 ( b ). Additionally, no written notice of collection under FDCPA 809 ( a ) was ever received. Therefore, this account must be deleted immediately unless full validation is produced. 
Chapter XXXX Bankruptcy XXXX XXXX # XXXX Date Filed : XX/XX/XXXX This record is completely inaccurate. I have never filed or been associated with any bankruptcy case under this number. Reporting an unverified dismissed bankruptcy without certified court documentation is unlawful. Under FCRA 611 ( a ) ( 1 ) ( A ), you are required to contact the bankruptcy court and confirm whether this filing exists and whether I was involved. If it can not be confirmed, this record must be deleted immediately. 
Requested Resolution : I respectfully request that the CFPB investigate these inaccurate and duplicate entries. Experian has failed to comply with federal law by continuing to report unverifiable, duplicate, and misleading information. I am asking that : All false, unverified, and duplicate accounts be removed from my credit report immediately. 
Experian be required to provide documented proof of verification for each disputed account or public record. 
I receive written confirmation once the corrections and deletions are made. 
These inaccuracies have caused significant harm to my credit reputation, emotional distress, and denial of credit opportunities. I trust that the CFPB will take appropriate regulatory action to ensure Experian complies with the Fair Credit Reporting Act and corrects these serious violations. 
Thank you for your attention to this matter. I look forward to your written response and confirmation of action taken.

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