Consumer complaint received 2025-11-10 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:
To Whom It May Concern, this is a formal complaint being filed regarding multiple violations under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting a full investigation and immediate correction of the following inaccurate and unauthorized items that continue to appear on my consumer credit profile despite prior disputes and notices. These items are directly harming my creditworthiness and violating my rights under federal law. 

ADDRESSES XXXX XXXX XXXX XXXXXXXX, TX XXXX This address is inaccurate and not connected to any verified credit or service account. Reporting of such an address violates FCRA 607 ( b ) requiring maximum possible accuracy. No records, leases, or credit obligations are associated with this residence, yet it continues to appear on my file, misleading lenders. I request immediate deletion. 

XXXX XXXX XXXX, TX XXXX This address has no connection to my verified identity or credit activity. Continuing to report this false address after my initial dispute constitutes willful noncompliance under FCRA 611 ( a ) ( 5 ). It must be deleted immediately. 

XXXX XXXX XXXX, TX XXXX This address is completely inaccurate. Reporting a false residential link creates confusion and harms my creditworthiness. As required by FCRA 609 ( a ) ( 1 ), please provide documentation proving I ever resided here, or delete it promptly. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX  High Balance : {$500.00} Date Opened : XX/XX/XXXX Charge Off This account was reported with inconsistent payment history and status codes. Under FCRA 607 ( b ) and 611 ( a ) ( 1 ), you must ensure accuracy before reporting. No original signed contract or verified account statement has been provided. Reporting unverifiable charge-off status violates my consumer rights and must be deleted. 

XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$310.00} Date Opened : XX/XX/XXXX Charge Off The information furnished by this creditor remains unverified. There are discrepancies between the charge-off amount and payment record, showing negligence in data handling. Continued reporting without proper verification violates FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 8 ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$970.00} Date Opened : XX/XX/XXXX Late Payment This account reflects inaccurate late payment history with inconsistent reporting dates. Late notations appear during periods of active forbearance or system error. Such misreporting violates FCRA 607 ( b ) and must be corrected or deleted immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$260.00} Date Opened : XX/XX/XXXX Charge Off This accounts charge-off date and balance are inaccurate and unverified. I have requested original documents proving liability but received none. Reporting unverifiable debt constitutes a violation of FCRA 609 ( a ) ( 1 ) and FDCPA 809 ( b ). 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$600.00} Date Opened : XX/XX/XXXX Late Payment Repeated late payment reporting during months with confirmed on-time payments violates the accuracy requirement under FCRA 607 ( b ). I demand full reinvestigation and deletion if verification can not be produced. 

XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$1800.00} Date Opened : XX/XX/XXXX Charge Off This account contains conflicting information regarding charge-off date and balance transfer. The lender has failed to validate this debt per FDCPA 809 ( b ), and the account should not remain without proof of liability. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$580.00} Date Opened : XX/XX/XXXX Late Payment Late payments were reported erroneously during a documented payment dispute. Failure to properly investigate this inaccuracy after prior dispute violates FCRA 611 ( a ) ( 1 ). 

XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$3500.00} Date Opened : XX/XX/XXXX Charge Off This account continues to reflect unverifiable information. The creditor has not supplied the original contract or charge-off documentation. Under FCRA 611 ( a ) ( 5 ), unverifiable data must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$22000.00} Date Opened : XX/XX/XXXX Charge Off This account contains several inaccuracies in reported dates and balance amounts. The original creditor has failed to validate the alleged obligation under FDCPA 809 ( b ). Continued reporting violates FCRA 602 ( A ) for failing to maintain fair and accurate credit reporting. 

XXXX XXXXXXXX XXXX XXXX  High Balance : {$560.00} Date Opened : XX/XX/XXXX Collection This collection has not been validated by the original creditor. Failure to provide proof of ownership or assignment violates FDCPA 807 ( 8 ) and 809 ( b ). The collection entry must be deleted. 

XXXX XXXX XXXX  High Balance : {$1800.00} Date Opened : XX/XX/XXXX XXXX The agency failed to produce documentation validating this debt. Reporting unverifiable collection activity violates FCRA 611 ( a ) ( 1 ) and FDCPA 809 ( b ). This must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$150.00} Collection No proof of original creditor or account ownership was provided. Reporting this debt without verification violates FCRA 609 ( a ) ( 1 ) and FDCPA 807 ( 8 ). 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$990.00} Collection This debt has not been validated or proven with supporting evidence. Reporting unverifiable collection data is a clear violation of FDCPA 809 ( b ) and FCRA 611 ( a ) ( 1 ). 

INQUIRIES XXXX  XXXX XX/XX/XXXX This inquiry was performed without permissible purpose or written authorization, violating FCRA 604 ( a ) ( 3 ). 

XXXX XX/XX/XXXX This company conducted duplicate hard inquiries without my consent. Under FCRA 604 ( a ), this is a direct violation. 

XXXX XX/XX/XXXX Repeated unauthorized pull further violates FCRA 604 ( a ) ( 3 ) ( A ). 

XXXX XXXX XXXX XX/XX/XXXX No signed authorization exists for this credit access. This is a willful violation of FCRA 604 ( a ) ( 3 ) and 616 ( a ). 

XXXX XX/XX/XXXX Unauthorized credit pull with no permissible purpose. This violates FCRA 604 ( a ) and 615 ( b ). 

XXXX XXXX XX/XX/XXXX This dealership performed a hard inquiry without authorization or completed transaction, breaching FCRA 604 ( a ). 

XXXX CA XX/XX/XXXX This inquiry was not initiated or approved by me. It must be deleted under FCRA 604 ( a ) and 611 ( a ) ( 5 ).

The continued presence of these inaccurate items represents systemic negligence by the reporting agencies and furnishers. I have fulfilled my duty as a consumer by notifying them of these issues, yet they continue to fail in maintaining the required accuracy and integrity of my credit information. I am requesting that the Consumer Financial Protection Bureau conduct a full investigation into these matters, ensure compliance with federal law, and hold the parties accountable for their violations.

I request the immediate removal of the wrong address, deletion or correction of the inaccurate account, and the permanent removal of the unauthorized inquiry from my credit report.

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