Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) related to my consumer credit file. I am a victim of false address reporting, unauthorized hard inquiries, and inaccurate account reporting by furnishers and credit bureaus. These actions have severely damaged my credit standing and caused significant hardship in my personal and financial life.

I have never authorized many of the items currently appearing on my credit reports, and despite my prior efforts to resolve these issues, they remain unresolved. This letter supplements a prior complaint that is still under review by the CFPB. 
Below are the details of each disputed item : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Balance : {$10000.00} | Date Opened : XX/XX/XXXX | Status : Collection Issue : This account is inaccurately reported as a collection without a proper and complete chain of title from the original creditor. Additionally, no original contract or signed agreement has been provided to validate this debt.

Law : FCRA 609 ( a ) ( 1 ), 611 ( a ) ; FDCPA 809 ( b ) ; 15 U.S. Code 1681e ( b ) Story : I never received any detailed validation or documentation proving the accuracy of this debt or that it belongs to me. The debt buyer, XXXX XXXX, has failed to provide a legally mandated contract or full itemization of the debt. Without this, the account can not be verified under FCRA and FDCPA. Reporting this account without validation, proper legal assignment, and complete documentation is a willful violation of my rights and exposes TransUnion to liability under federal law. I demand the immediate deletion of this account. 
XXXX XXXX  ( Original Creditor : XXXX XXXX  ) Account # : XXXX Balance : {$9900.00} | Date Opened : XX/XX/XXXX | Status : Collection Issue : Debt is reported as collectible without current validation or accurate balance, which causes a misleading impression to other lenders.

Law : FCRA 607 ( b ), 609 ( a ) ( 1 ) ; FDCPA 807 ( 8 ) Story : I have not received any documentation from either XXXX XXXX or XXXX XXXX  establishing this debt 's origin, balance accuracy, or current ownership. As required by FCRA, any tradeline must be 100 % accurate and verifiable. If any part is inaccurate, it must be removed entirely. The continued presence of this item is harmful, misleading, and unlawful. This account is unverifiable and must be deleted immediately from my credit report. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Balance : {$5500.00} | Date Opened : XX/XX/XXXX | Status : Collection Issue : The same debt is being reported in two placeshere and under the original creditor XXXXresulting in double jeopardy for one alleged obligation. 
Law : FCRA 604 ( b ), 611 ( a ) ; 15 U.S. Code 1681e ( b ) Story : Reporting the same debt twiceonce as a collection and once as a charge-off from the original creditoris misleading and deceptive. This double reporting makes it appear as though I owe more than I do, which is a direct violation of fair and accurate reporting obligations. Additionally, XXXX XXXX has not validated this debt despite multiple requests. This tradeline must be removed immediately as it is legally defective and damaging to my consumer profile. 
XXXX Account # : XXXX Balance : {$30000.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off Issue : Account is being reported without updating payment history or providing a complete accounting, and it is still showing an inflated balance. 
Law : FCRA 607 ( b ) ; 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ; XXXX XXXX Compliance Reporting Story : This account has aged and is inaccurately reflecting the status and balance. The creditor is reporting this charge-off without updating the balance or reflecting any updates in accordance with XXXX XXXX guidelines. The charge-off is not accompanied by detailed transaction history or lawful validation. Therefore, the reporting is incomplete, unverified, and misleading. TransUnion is obligated to maintain only verified, current, and complete information, and this tradeline does not meet that standard. I demand it be removed immediately. 
XXXX Account # : XXXX Balance : {$42000.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off Issue : This account is outdated, inflated, and no longer verifiable by the original creditor. It is hurting my credit with no legal justification. 
Law : FCRA 609 ( a ), 611 ; 15 U.S.C. 1681i ( a ) Story : I do not recognize this debt, and it is well beyond the point where XXXX has responded to any requests for validation. The balance has not changed in years, and no detailed record or signed agreement has been provided to verify the legitimacy of this tradeline. According to FCRA, any unverifiable or outdated account must be deleted from the consumer report. This account qualifies for immediate removal. 
XXXX ( Same as XXXX XXXX account ) Account # : XXXX Balance : {$5500.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off Issue : This is a duplicate tradeline reported along with XXXX XXXX for the same debt, which is a clear case of double reporting.

Law : FCRA 604, 607 ; 15 U.S. Code 1681e ( b ) Story : This account is reporting the same debt already reported by Portfolio Recovery. Reporting the same debt twice, once by the original creditor and again by a third-party collector, is not only misleading but also constitutes a violation of FCRAs accuracy and integrity standard. This double reporting harms my credit score unfairly and is not compliant with federal standards. I demand immediate removal of this duplicate account.

RELIEF REQUESTED I respectfully request the CFPB to : 1. Investigate the unauthorized credit inquiries and require the furnishers to prove permissible purpose.

2. Direct the credit bureaus to delete the inaccurate addresses, inquiries, and account records if the furnishers can not provide proper validation.

3. Hold furnishers accountable for violations of FCRA and FDCPA, including possible fines and corrective action.

4. Provide written confirmation to me once the records have been deleted or corrected.

5. Issue appropriate enforcement against repeat violators or data furnishers engaging in systemic neglect.

These violations are serious, repeated, and harmful, and I am requesting immediate attention to prevent further damage to my financial future. I am happy to provide supporting documentation or identification verification upon request.

Thank you for your time and assistance.

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