Consumer complaint received 2025-10-06 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 formal complaint against multiple furnishers and credit reporting agencies for reporting unverified, inaccurate, and unauthorized information on my credit report, in clear violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). The accounts and inquiries listed below have caused severe damage to my creditworthiness, emotional distress, and financial harm. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address. 
I have never lived at or had any business associated with this address. Its appearance on my credit report is entirely false. This incorrect address creates confusion with creditors and may have contributed to misdirected communications and wrongful assumptions about my credit behavior. The inclusion of this address undermines my ability to secure accurate credit information and puts me at risk of potential identity fraud. I demand this entry be corrected immediately to reflect my true addresses. 
XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address. 
This location has no association with me whatsoever. I have never resided, worked, or conducted financial transactions linked to this address. Its reporting is misleading and exposes me to potential fraudulent activity, as creditors may attribute financial obligations to me that are not mine. Maintaining such incorrect data constitutes a failure to adhere to FCRA 1681e ( b ), which requires reasonable procedures to ensure maximum possible accuracy. Immediate removal is requested. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$7800.00} Date Opened : XX/XX/XXXX Charge Off.

I have no knowledge or record of opening or using this account. Its appearance on my credit report is both alarming and damaging. This erroneous charge-off has likely impacted my credit score and my ability to obtain loans or credit facilities. Reporting an account that I did not authorize constitutes identity fraud and a direct violation of FCRA 1681i. I request deletion or full verification with complete supporting documentation proving my responsibility. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$7400.00} Date Opened : XX/XX/XXXX Charge Off. 
I do not recognize this account in any form. Its reporting as a charge-off is a severe misrepresentation of my financial history. The presence of this inaccurate account may have influenced lenders decisions, denied opportunities for credit, and caused undue stress. Per FCRA 1681i, unverified accounts must be investigated and removed immediately. I demand deletion unless verified with complete, authentic documentation linking me to this account. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Charge Off. 
I have no knowledge of opening or using this account. Its reporting as a charge-off is false and misleading. This account negatively impacts my credit score and may have caused lenders to make decisions based on inaccurate information. Reporting an unverified account violates FCRA 1681i, and I demand deletion or full verification with authentic documentation proving my responsibility. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$1200.00} Date Opened : XX/XX/XXXX Charge Off. 
I do not recognize this account and have no record of authorization. Its inclusion as a charge-off falsely portrays my financial history and may influence lenders evaluations, insurance approvals, and rental applications. I request immediate removal or full verification to protect my credit and personal reputation. 
XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$550.00} Date Opened : XX/XX/XXXX Charge Off. 
This account is unknown to me. Reporting it inaccurately exposes me to potential fraud risks and creates confusion with financial institutions. Such reporting is a violation of FCRA 1681e ( b ), which requires maximum possible accuracy. I demand correction or deletion. 
XXXX XXXXXXXX XXXX XXXX High Balance : {$500.00} Date Opened : XX/XX/XXXX Charge Off. 
I have no association with this account. Its reporting as a negative entry is misleading, potentially affecting loan approvals and other financial opportunities. I insist this account be verified with complete documentation or removed entirely. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Charge Off. 
I dispute this account in full as it is unknown to me. Reporting this charge-off without verification creates a false record of my credit history and exposes me to unnecessary financial and personal risk. Immediate removal or proper verification is required under FCRA. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$45000.00} Date Opened : XX/XX/XXXX Charge Off. 
I have no knowledge of this account. The reporting of such a high-balance charge-off falsely damages my creditworthiness and may affect major financial decisions, including loan eligibility, mortgage approvals, and insurance assessments. I demand immediate deletion or full verification with supporting documentation. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$19000.00} Date Opened : XX/XX/XXXX Late Payment. 
I have never made late payments on this account. Its reporting as late is inaccurate and misrepresents my payment history. I request correction to reflect the accurate status and remove all falsely reported late payments. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off. 
I do not recognize this account. Reporting it as a charge-off is entirely false and can affect my credit applications. Under FCRA 1681i, unverifiable information must be removed immediately. I demand deletion unless full verification is provided. 
XXXX XXXXXXXX XXXX XXXX High Balance : {$2900.00} Date Opened : XX/XX/XXXX Charge Off. 
I do not recognize this account. Reporting it as a charge-off falsely portrays my payment history and damages my financial reputation. Immediate correction or deletion is required under FCRA 1681i to prevent ongoing harm. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$740.00} Date Opened : XX/XX/XXXX Collection. 
This account is unknown to me. Its inclusion as a collection negatively impacts my credit report and misrepresents my payment history. I demand verification or deletion as required by FCRA 1681i. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$3100.00} Date Opened : XX/XX/XXXX Collection. 
I have no knowledge of this account. Its reporting as a collection is completely inaccurate. This unverifiable account has negatively affected my creditworthiness and may have caused creditors to make decisions based on false information. I demand immediate deletion or full verification with proper documentation proving my responsibility. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$260.00} Date Opened : XX/XX/XXXX Collection. 
I do not recognize this account. Reporting it as a collection misrepresents my financial history, creates confusion with lenders, and exposes me to potential identity theft. I request immediate removal or full verification as required under FCRA 1681i. 
XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX XXXX. 
This account is unknown to me. Its inclusion is misleading, potentially fraudulent, and adversely impacts my ability to secure credit. I demand deletion or full verification with complete supporting documentation. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Collection. 
I have no record of this account. Reporting it as a collection is inaccurate, damaging to my credit reputation, and may trigger unnecessary collection attempts. I insist on immediate removal or verification with authentic evidence. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$500.00} Date Opened : XX/XX/XXXX Collection. 
I do not recognize this account. Reporting it as a collection falsely portrays my financial history and may indicate potential fraud. Immediate deletion or proper verification is required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$770.00} Date Opened : XX/XX/XXXX Collection. 
This account is unknown to me. Its reporting as a collection is misleading and may adversely affect lenders decisions and my credit applications. I demand removal unless full verification is provided. 
XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$1400.00} Date Opened : XX/XX/XXXX Collection. 
I dispute this account completely as it is unknown to me. Its reporting as a negative entry is inaccurate, damages my credit history, and exposes me to unnecessary financial and personal risk. I request verification or deletion immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$7600.00} Date Opened : XX/XX/XXXX Collection. 
I have no knowledge of this account. Its reporting as a collection is entirely inaccurate, misleading lenders, and negatively affecting my creditworthiness. This unverifiable account exposes me to potential identity theft and unnecessary collection actions. I demand deletion or full verification with proper documentation proving my responsibility. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$1800.00} Date Opened : XX/XX/XXXX Collection. 
I do not recognize this account. Its reporting as a collection falsely portrays my financial history and may influence lenders decisions or cause wrongful collection attempts. I insist on immediate removal or full verification. 
XXXX XX/XX/XXXX Inquiry.

I did not authorize this inquiry. Unauthorized hard inquiries violate FCRA 604 ( a ) and may harm my credit score. I request removal of this inquiry and a confirmation that it was not authorized. 
XXXX XXXX XX/XX/XXXX Inquiry. 
I did not authorize this inquiry. Reporting it violates FCRA 604 ( a ) and may negatively impact my credit score. I request deletion.

Requested Resolution : 1. Immediate deletion of all unverified, inaccurate, and unauthorized collection accounts and inquiries from all credit bureaus ( XXXX, XXXX, TransUnion ).

2. A full investigation by CFPB into the actions of XXXX and the listed lenders that accessed my credit file without authorization. 
3. Written confirmation that all violations have been corrected, and that steps are being taken to prevent such unauthorized activity in the future.

4. If these furnishers can not verify each account with signed contracts, complete payment histories, and proof of permissible purpose, they must permanently delete all records from my credit file. 
Legal Basis for Complaint : FCRA 602 ( A ) : Requires credit reporting agencies to maintain maximum possible accuracy.

FCRA 604 ( A ) : Limits access to credit reports to entities with a legitimate permissible purpose.

FCRA 611 ( A ) : Requires reinvestigation and correction of inaccurate or unverifiable information.

FDCPA 809 ( A ) : Requires debt collectors to provide validation of debts upon request.

15 U.S.C. 1681n & 1681o : Establish civil liability for willful and negligent noncompliance.

These inaccuracies have deeply impacted my ability to obtain fair credit opportunities, and I am requesting the CFPBs direct involvement to ensure full compliance by the furnishers and credit reporting agencies.

I am submitting supporting documentation, including a copy of my identification, proof of address, and credit report excerpts showing the disputed entries.

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