Consumer complaint received 2025-08-11 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 with the Consumer Financial Protection Bureau ( CFPB ) because my credit report contains multiple false addresses, inaccurate account reporting, and unauthorized credit inquiries. These serious violations have caused significant damage to my credit profile, hindered my ability to obtain credit, and harmed my financial reputation. The reporting parties and credit bureaus have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) by failing to ensure maximum possible accuracy, by continuing to report unverified and disputed information, and by allowing unauthorized access to my credit file. I am demanding that the CFPB take immediate enforcement action to investigate, compel compliance, and ensure permanent removal of all inaccurate and unauthorized information from my credit report. 
ACCOUNTS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00} Late Payment Law : FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ) Issue : Late payment can not be confirmed. 
Story : I have never seen a late payment notice from this creditor, and my records indicate all payments were made on time. If a payment was marked late, it could have been due to the creditors internal posting delay rather than my actual payment date. This makes it inaccurate to penalize my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$77.00} Late Payment Law : Same as above. 
Issue : No proof of this late payment. 
Story : I have never missed or delayed a payment on this account. If you can not provide a statement showing the date payment was due and when it was actually received, you must remove it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$170.00} Late Payment Law : Same as above. 
Issue : Alleged late payment is unproven. 
Story : I dispute this entry entirely. The claimed late payment is inconsistent with my own bank transaction history, and without official billing and payment records, it is inaccurate. 

XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$810.00} Chargeoff Law : Same as above. 
Issue : Account data is inconsistent. 
Story : This account may be a duplicate of another listing or misattributed entirely. The amounts and dates do not match any legitimate debt I have.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$910.00} Collection Law : Same as above. 
Issue : Collection unproven. 
Story : I never opened this account and have no documentation supporting its validity. 

U.S. Bankruptcy Court Reference # XXXX Bankruptcy Law : Same as above. 
Issue : Bankruptcy record incorrect. 
Story : I have never filed bankruptcy. This appears to be a file-mix error, and unless you can provide a certified court record with my name and case number, delete it. 

XXXX XXXXXXXX XXXXXX/XX/XXXX Law : Same as above. 
Issue : Unauthorized inquiry. 
Story : I never applied for credit from this entity. 

I am requesting that the CFPB exercise its authority to enforce the provisions of the FCRA and hold the credit reporting agencies and furnishers accountable for these ongoing violations. The reporting of inaccurate addresses, unverified charge-off accounts, and unauthorized inquiries is a direct breach of my consumer rights. These actions have caused measurable harm to my creditworthiness and personal integrity. I demand that the CFPB require immediate deletion of all disputed and unverified items, removal of unauthorized inquiries, and provide me with written confirmation of all corrections within 30 days. Failure to address these violations will leave me no choice but to pursue all available legal remedies.

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