Consumer complaint received 2025-09-13 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 submitting this complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies and unauthorized items on my credit report, including an incorrect address and several charge-off accounts I never authorized. These items violate the Fair Credit Reporting Act ( FCRA ) Sections 602, 607, 609, 611, 623, 1681i, 1681e ( b ), 1681s-2, 1681n, and 1681o, which guarantee accurate, complete, and verifiable reporting. The false reporting has caused financial harm, emotional distress, and denial of credit opportunities. I request immediate CFPB oversight to ensure reinvestigation, verification, and correction or removal of all inaccurate items. 

DISPUTED ACCOUNTS XXXX XXXX XXXX  High Balance : {$1400.00} Date Opened : XX/XX/XXXX XXXX XXXX  This account continues to show late payments that have never been proven with any original documentation or signed billing statements. Under FCRA 611, you must provide the method of verification and supply proof from the furnisher if requested. Simply verifying with a data furnisher without reviewing original evidence is not a proper reinvestigation as required by law. Reporting unverified late payments lowers my credit score and harms my ability to obtain affordable credit. The FCRA requires you to delete any data that can not be fully substantiated, and since no proper verification has been provided in prior disputes, you are now required to delete this entry entirely. Continued reporting of this unverified negative item is considered willful noncompliance under FCRA 616 and exposes your agency to liability. 

XXXX XXXX XXXX XXXX High Balance : {$5600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  This account is listed as a charge-off, which is a serious derogatory mark, yet no original signed agreement, account history, or full validation has been provided despite my prior disputes. Under FCRA 623 ( a ) ( 1 ) ( A ), data furnishers must not report information they know or should know is inaccurate. A charge-off without full documentation of default violates the accuracy standards of FCRA 607 ( b ). I have not been provided with any proof showing this debt was legally charged off in accordance with proper accounting rules. Without proper validation, you must delete this account completely. Continuing to report it without verifying it with competent evidence will be treated as negligent and possibly willful noncompliance. 

XXXX BANK XXXX XXXX XXXX High Balance : {$7800.00} Date Opened : XX/XX/XXXX XXXX XXXX This charge-off continues to report and harm my credit despite my two previous disputes. Under FCRA 611 ( a ) ( 5 ) ( A ), unverifiable data must be promptly deleted. A simple automated response from the furnisher is not sufficient verification. I have not been presented with a complete payment history, default notice, or signed agreement proving this charge-off is accurate. You are obligated to conduct a meaningful reinvestigation, not simply rely on the creditors database. Failure to remove or correct this account will constitute willful noncompliance and may be escalated to the CFPB and legal action under FCRA 616 and 617. 

INQUIRY XXXX  XXXX ( XX/XX/XXXX ) I never authorized this inquiry, nor did I apply for credit on this date. Under FCRA 604, a permissible purpose must exist before accessing my credit report. This unauthorized inquiry is harming my score and violates my right to privacy. Please delete it immediately or provide signed proof of consent. 

I respectfully request the CFPB to ensure that all disputed items, including the incorrect address and all unauthorized accounts, are fully reinvestigated, verified, and corrected or removed in compliance with the FCRA. The ongoing reporting of these inaccuracies has caused substantial financial and emotional harm. I request written confirmation of all corrections and monitoring of responsible agencies and creditors.

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