Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
I am writing this formal complaint to bring to the attention of the Consumer Financial Protection Bureau ( CFPB ) a series of serious violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite my numerous attempts to dispute and resolve multiple inaccuracies, incorrect information continues to appear on my credit report, including false addresses, late payments that I did not incur, charge-off entries that were never properly validated, and several unauthorized hard inquiries that were made without my consent or permissible purpose. I have contacted the major credit reporting agencies ( Experian, Equifax, and TransUnion ) and the furnishers of these accounts, yet no valid proof or investigation results were provided. Therefore, I am requesting that the CFPB urgently intervene, initiate a full investigation, and compel the responsible parties to permanently delete these items from my credit report in accordance with the law. 
ACCOUNT XXXX XXXX XXXX High Balance : {$2400.00} Date Opened : XX/XX/XXXX Law : FCRA 602 A, 607 ( b ), 611 Issue : Account is reported as charged off but has never been properly verified or validated with supporting documents Story : I am challenging the legitimacy of this account. I do not recall opening this account, and no contract or payment history has been provided to confirm its accuracy. If this debt can not be verified, it must be deleted per FCRA requirements XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$350.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Law : FCRA 607 ( b ), 611, 15 USC 1681s-2 Issue : Late payment is inaccurately reported and has not been validated Story : I dispute the reported late payment. There was no delinquency from my end, and I have not received any proof of missed payments. This derogatory mark is unjustified and harming my creditworthiness XXXX XXXX XXXX High Balance : {$120.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Law : FCRA 607 ( b ), 611, 15 USC 1681i Issue : Alleged late payment is unverifiable and was never notified Story : I was never informed of any missed or late payment. This account has not provided me proper notice or validation and must be corrected or deleted if validation is not provided INQUIRIES XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ), 607 ( a ), 611 Issue : Unauthorized hard inquiry with no permissible purpose Story : I did not authorize this credit pull and was not informed in writing or electronically about it. It violates my consumer rights and must be removed XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ), 607 ( a ), 611 Issue : Inquiry conducted without written consent or valid reason Story : I have never applied for credit with this company and dispute their right to access my credit file. This is a violation and must be removed The continued reporting of false addresses, inaccurate late payments, unverifiable charge-offs, and unauthorized credit inquiries is causing significant financial harm, emotional distress, and reputational damage. These entries are not only misleading but also unlawful under multiple provisions of the Fair Credit Reporting Act. I have exhausted all direct options with the credit bureaus and furnishers, yet the information remains uncorrected. Therefore, I am requesting the CFPB to immediately investigate these violations, hold the responsible data furnishers and reporting agencies accountable, and compel them to remove all inaccurate and unauthorized entries listed in this complaint. I demand full compliance with the FCRA and the permanent correction of 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 explanation