Consumer complaint received 2025-10-21 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:
Dear CFPB XXXX, I am filing this formal complaint against the credit reporting agencies ( Experian, Equifax, and TransUnion ) and the following furnishers : XXXX, XXXX XXXX XXXX, and several companies that conducted unauthorized inquiries on my credit report. These entities have violated the Fair Credit Reporting Act ( FCRA ) by reporting, maintaining, and failing to properly verify false, inaccurate, and unconsented data in my consumer credit file. 
I have disputed these items directly with the credit bureaus, but the inaccuracies remain uncorrected. The items listed below contain false, unverifiable, or unauthorized information that has caused me financial damage, emotional stress, and harm to my personal and professional reputation. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address XXXX XXXX XXXX, TX XXXX Wrong Address The presence of these unrelated addresses suggests that my personal information may have been mixed or merged with another consumers file. I am requesting immediate deletion of these addresses to protect my identity and ensure my report reflects accurate, verified data that truly belongs to me. 
Furthermore, several of my accounts have been reported inaccurately with false late payments and charge-offs. I strongly dispute these entries because they are incorrect, unverified, and damaging. I have maintained responsible payment habits and have never been late on these accounts. These errors are causing significant harm to my credit standing and financial credibility. 
Accounts in Dispute : XXXX XXXX XXXX XXXX Late Payment XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$310.00} XXXX dispute the reported late payment. Payments were made on time, and no verified proof has been provided by the furnisher showing otherwise. Please correct this entry immediately. 
XXXX XXXXXXXX XXXX  Charge Off XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} I have no knowledge of this account or any charge-off related to it. This appears to be an error or a case of mixed identity. I request deletion under the FCRA 609 and 611 as the furnisher can not verify the accuracy. 
XXXX XXXX XXXX Charge Off XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$590.00} I dispute this charge-off completely. I have no recollection of this account, and no signed agreement or statement verifying my responsibility has ever been presented. Please delete this account immediately as it is inaccurate. 
XXXX XXXX XXXX Late Payment XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$520.00} This late payment notation is completely false. My records indicate consistent and timely payments. This error violates the FCRA accuracy standard. 
XXXXXXXX XXXX XXXX XXXX  Collection XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$2400.00} This account is a duplicate of the above charge-off, which is already incorrect. Reporting the same alleged debt as both a charge-off and a collection is an FCRA violation and double reporting, which is illegal. I demand the deletion of this collection immediately since it is inaccurate, duplicative, and unverifiable. 
Unauthorized Inquiries The following inquiries were made without my knowledge, permission, or any valid written authorization. These inquiries are lowering my credit score and constitute an FCRA violation of 604 ( a ) ( 2 ), which prohibits access to consumer credit files without permissible purpose. I request immediate removal of each unauthorized inquiry from my credit report. 
XXXX XXXX Inquiry Date : XX/XX/XXXX I have never applied for any credit or financing with XXXX XXXX XXXX affiliated dealership. This inquiry is unauthorized and must be deleted. 
Requested Action by CFPB I respectfully request the Consumer Financial Protection Bureau to : XXXX. Conduct a full investigation into the unlawful reporting and verification practices of XXXX, XXXX XXXX XXXX, and all companies listed above. 
XXXX. Require the credit reporting agencies to provide full documentation proving that these accounts and inquiries are valid, authorized, and verifiable. 
XXXX. Order immediate deletion of any data that can not be verified with original documentation. 
XXXX. Ensure compliance with FCRA 611 and hold the reporting parties accountable for their negligence and inaccurate reporting. 
XXXX. Impose penalties if these companies are found to be in repeated violation of federal consumer protection laws. 
Impact of the Inaccuracies These false reports and unauthorized inquiries have resulted in severe personal and financial hardship. I have faced unnecessary denials for credit, emotional stress, and damage to my financial reputation due to negligent and unlawful actions by the furnishers and bureaus. I expect this matter to be treated as a serious violation of my rights under the FCRA and handled with the urgency it deserves. 
Please confirm receipt of this complaint and provide updates on the investigations progress. I am attaching a copy of my identification and recent credit report highlighting the disputed items for your review. 
Thank you for your time and attention to this matter.

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