Consumer complaint received 2025-09-06 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:
I am filing this complaint with the CFPB to report serious inaccuracies on my credit report, including misreported accounts and an incorrect address, which have no association with me. Under the FCRA, all reporting agencies and furnishers are required to ensure information is accurate, complete, and verifiable. The reporting of these false items has harmed my credit score, affected my ability to obtain loans, and caused undue stress. I request the CFPB to intervene and enforce full compliance, reinvestigation, and correction of all disputed items. 

Account : XXXX XXXX XXXXXXXX * This account is listed as a charge-off with a high balance of {$530.00} and an opened date of XX/XX/XXXX. I have already disputed this account multiple times and requested proper verification under FCRA 609 ( a ) ( 1 ) and FCRA 611 ( a ) ( 1 ), yet no valid proof has been provided. To continue reporting this account without furnishing original signed documents or verifiable evidence from the original creditor is not only misleading but also unlawful. The reporting of this item causes material harm to my creditworthiness, and according to FCRA 602 ( A ), consumer reports must be accurate and fair. If XXXX XXXX or the bureaus can not provide concrete validation beyond automated system responses or generic form letters, this account must be permanently deleted as unverifiable. I am holding the bureau accountable to ensure compliance with federal law, as failure to do so constitutes willful negligence under FCRA 616 and entitles me to remedies under FCRA 617. 

Inquiry : XXXX XXXX XXXXXX/XX/XXXX This inquiry remains listed on my file even though I did not provide proper authorization for this hard pull. The Fair Credit Reporting Act strictly regulates inquiries, and under FCRA 604 ( a ) ( 3 ), no inquiry may appear on my report unless it is permissible and initiated with my express consent. Reporting unauthorized inquiries is damaging to my credit profile and violates my rights as a consumer. I have disputed this entry in good faith, yet it continues to remain on file, which signals noncompliance with your duty to conduct a thorough reinvestigation. If there is no documentation proving that I granted written consent to XXXX XXXX to access my credit on XX/XX/XXXX, this inquiry must be deleted immediately. Maintaining this without proof places the bureau in direct violation of FCRA 607 ( b ) which requires maximum accuracy in reporting.

I demand that the CFPB take immediate action to ensure full compliance with the FCRA by all reporting agencies and creditors, including the deletion or correction of unverifiable items. The continued presence of these inaccuracies has caused financial loss, credit denial, and emotional distress. I request written confirmation once all corrections have been made.

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