Consumer complaint received 2025-09-09 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 submitted to the CFPB to address multiple violations of my rights under the FCRA, including inaccurate reporting of charge-off accounts and an incorrect address. Sections 602, 607, 609, 611, 623, 1681i, 1681e ( b ), and 1681s-2 require reporting agencies and creditors to ensure that all information is fully verified and accurate. The presence of these false items has caused financial loss, emotional distress, and disruption of my creditworthiness. I demand immediate investigation, verification, and corrective action by the CFPB. 

Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address is also not mine and has no valid connection to my residency or financial history. I have never signed any lease, opened any account, or received any correspondence connected to this location. Including this false information damages my credit profile by suggesting possible ties to accounts or activity that are not mine. The FCRA requires credit reporting agencies to delete unverifiable data when disputed. Keeping it after notice is a violation of my consumer rights and demonstrates a failure to conduct a proper reinvestigation as the law requires. 

ACCOUNTS XXXX  Account # : XXXX * * * * * * * * * * Balance : {$220.00} Date Opened : XX/XX/XXXX This account is reporting late payments which I dispute as inaccurate and misleading. The Fair Credit Reporting Act requires complete accuracy in the reporting of consumer data, yet this account continues to damage my profile despite no verifiable proof of delinquency being provided. I have requested validation, but none has been furnished that confirms the accuracy of the alleged late payments. Reporting an account in this manner without proper investigation is a violation of my consumer rights and creates a false impression of risk to potential creditors. The balance shown also raises concerns as it appears inconsistent with my records and no supporting evidence has been produced. A lawful reinvestigation is required, and until proper documentation is presented, this entry should be deleted. 

XXXX Account # : XXXX * * * * * * * * * Balance : {$150.00} Date Opened : XX/XX/XXXX The reporting of this account as having late payments is unfair, inaccurate, and misleading. Under the FCRA, credit bureaus are required to ensure maximum possible accuracy, but this obligation has not been met. No original contract, payment history breakdown, or lawful verification of delinquency has been provided to justify these claims. Continuing to publish unverified negative data directly harms me by lowering my creditworthiness, which violates federal law. I request an immediate reinvestigation, removal of unverifiable information, and a correction of my file to reflect only accurate and complete information. 

XXXX XXXX XXXXXXXX Account # : XXXX * * * * * * * * * * Balance : {$25.00} Date Opened : XX/XX/XXXX This account is showing a late payment status that is factually incorrect and must be corrected. The balance and reporting history can not be verified with any legally required documentation. Under the Fair Credit Reporting Act, the credit bureau must either correct or delete information that can not be substantiated. Failure to uphold this responsibility results in unlawful harm to me as a consumer. The ongoing reporting of this unverifiable delinquency demonstrates negligence and unfair practice. I dispute the accuracy of this account in its entirety and demand full deletion if proof can not be lawfully validated. 

XXXX Account XXXX : XXXX * * * * * * Balance : {$290.00} Date Opened : XX/XX/XXXX This entry is damaging and inaccurate as it reflects late payments that are not supported by verified documentation. The creditor has not produced proof of the alleged delinquency, nor has the bureau conducted a lawful reinvestigation under Section XXXX of the FCRA. Any negative reporting without proper verification violates my rights and creates an inaccurate profile of my creditworthiness. The balance listed also appears inconsistent, and without proper evidence, the reporting of this account constitutes an error. This item must be corrected or deleted immediately to ensure compliance with federal law. 

XXXX XXXX Account # : XXXX * * Balance : {$0.00} Date Opened : XX/XX/XXXX This account is showing a late payment despite having a balance of {$0.00}, which calls into question the accuracy and legitimacy of the reporting. The FCRA requires credit bureaus to prevent the inclusion of inaccurate information, yet this item persists without proof of validity. A {$0.00} balance account can not logically carry late payment history unless verified by factual and documented evidence, which has not been provided. This false reporting directly violates my rights and harms my standing with lenders. Unless verifiable documentation is supplied, this account must be deleted for compliance. 

XXXX  Account # : XXXX * * Balance : {$0.00} Date Opened : XX/XX/XXXX This account is being reported as a charge-off, which is a serious derogatory mark, yet no validation has been provided to support this status. Under Section XXXX of the FCRA, I have the right to request complete documentation and contractual evidence, none of which has been supplied. The reporting of a charge-off with a balance of {$0.00} is contradictory and misleading, clearly showing an error in reporting. This false and damaging reporting harms me financially and personally and must be removed unless the furnisher can provide full verification. 

XXXX XXXX AUTO Account # : XXXX * * * * * * * * * * * Balance : {$0.00} Date Opened : XX/XX/XXXX This account is reported with late payments, yet the balance is shown as {$0.00}, which is inconsistent and creates a misleading picture of my credit history. The creditor has not furnished proper documentation to verify the alleged delinquencies, nor has the bureau conducted the lawful reinvestigation required under the FCRA. Continuing to publish unverifiable derogatory information is unlawful and prejudicial to me as a consumer. Without verifiable evidence, this entry is inaccurate and must be removed from my credit file. 

XXXX Account # : XXXX * * * * * * * * * * * * Balance : {$0.00} Date Opened : XX/XX/XXXX This account is reporting late payments inaccurately and without proper substantiation. I have never received proof of the alleged delinquency nor any supporting contract or payment records to validate this information. The reporting of a negative status on an account with a {$0.00} balance is contradictory and misleading. Under the FCRA, bureaus are required to ensure maximum possible accuracy, and failure to remove unverifiable information is a violation of federal law. I demand an immediate reinvestigation and removal of this account if lawful proof can not be provided. 

XXXX Account # : XXXX * * * * * * * * * * Balance : {$0.00} Date Opened : XX/XX/XXXX This account reflects late payments that are not supported by any verifiable evidence or original creditor documentation. The balance listed as {$0.00} further highlights the inconsistency and inaccuracy in the reporting. The continued publication of unverified derogatory data is a violation of the Fair Credit Reporting Act, which requires accuracy and fairness in consumer reporting. This account is harming my ability to maintain fair credit standing and must be removed unless the creditor can provide complete and verifiable proof. 

Inquiries XXXX XXXX  XX/XX/XXXX This inquiry was not authorized by me and therefore has no permissible purpose under FCRA XXXX XXXX. I never applied for credit or gave consent to this company to access my report. An inquiry without my knowledge is a clear violation of consumer protection laws and places me at risk for identity theft. Since no documentation proving my authorization has been provided, this inquiry must be deleted immediately to comply with the law. 

XXXX XX/XX/XXXX I dispute this hard inquiry as I never gave authorization or submitted a credit application tied to this date. The FCRA makes it clear that each inquiry must have a legitimate and permissible purpose, and no such proof has been provided. Keeping this inquiry harms my credit score and creates a misleading impression about my borrowing activities. Without written documentation showing I approved this, the bureau is obligated to remove it under federal law. 

SYNCB XX/XX/XXXX This inquiry appears without my consent and must be considered unauthorized. I did not apply for credit with XXXX XXXX during this period, and therefore there is no permissible purpose for this inquiry. The FCRA requires bureaus to delete unverifiable or unlawful data, and an inquiry without my authorization is exactly that. If the furnisher can not show a signed application or proof of consent, this inquiry must be permanently deleted. 

XXXX XXXX XXXXXX/XX/XXXX This inquiry was made without my knowledge or approval. I never signed or submitted an application that would justify this credit pull. Under the FCRA, credit reporting agencies must confirm that every inquiry has a documented permissible purpose, which has not been shown in this case. Reporting it damages my file unfairly and gives a false picture of my credit-seeking behavior. It must be deleted immediately unless verified with original documentation. 

SXXXX XXXXXX/XX/XXXX I dispute this inquiry as unauthorized. At no point did I grant XXXXXXXX XXXX  or XXXX XXXX permission to access my credit report on this date. The law requires that each inquiry be backed by consumer consent, yet none has been shown. Keeping this inquiry violates the standards of accuracy and fairness set forth in the FCRA. Without proof of authorization, the only legal remedy is deletion. 

XXXX XXXX XX/XX/XXXX This inquiry is being reported without my permission or knowledge. I did not submit a credit application to XXXX XXXX Bank at this time. Under FCRA, the bureau has the responsibility to ensure that every inquiry is tied to a consumers actual request, and this one is not. An unverifiable inquiry is inaccurate and misleading, and the bureau must remove it to remain compliant with federal law. 

I ask the CFPB to oversee the full reinvestigation and correction of all disputed items on my credit report, including the wrong address and all fraudulent or misreported accounts. The harm caused by these inaccuracies is significant, affecting my credit, finances, and personal well-being. I request written verification that all corrections have been implemented and enforcement of accountability where necessary.

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