Consumer complaint received 2025-09-09 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:
I am filing this complaint because my consumer report is filled with inaccurate, unverifiable, and misleading information. This includes multiple wrong addresses, late payments, charge offs, and collection accounts that are being reported in violation of the Fair Credit Reporting Act ( FCRA ). The credit bureau has failed to comply with 1681e ( b ) Maximum possible accuracy and 1681i Reinvestigation of disputed information. I demand immediate investigation, correction, and deletion of the following items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX This is not my correct residence and its inclusion violates FCRA 1681e ( b ) because it misrepresents my housing history. The bureau has failed to verify this address with original records. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address is inaccurate and unverifiable. Reporting it without proof violates 1681i because any unverifiable information must be removed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} This account is reported with late payments. The bureau and furnisher have failed to provide verifiable payment history proving delinquency. Under FCRA 1681i, unverifiable derogatory marks must be removed. This false reporting lowers my credit score and harms my credibility with lenders. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$83.00} This account is listed with late payments that are inaccurate and unverified. Without original creditor documentation, this negative mark can not legally remain. Reporting late payments without proof violates FCRA 1681e ( b ) because it is not maximum possible accuracy. 

XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} This account is reported as a charge off. No proof of default, no contract copy, and no accounting breakdown have been provided. Under 1681i, unverifiable derogatory data must be deleted. The continued reporting is willful noncompliance with federal law. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported as charge off despite showing a zero balance. This is contradictory and misleading. If no balance exists, a charge off can not legally remain. This violates 1681e ( b ) accuracy requirements. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} This account is listed as charge off but no original documents have been provided to confirm accuracy. Unverified data violates 1681i and must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported as charge off with zero balance. This is false, deceptive, and misleading. Under FCRA, this derogatory entry must be removed immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} Reported as charge off but unverifiable with creditor records. This is a violation of both 1681i and 1681e ( b ) because inaccurate and unverifiable data can not remain on a consumer file. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9700.00} This collection account is inaccurate and unverifiable. No contract, no validation, and no original creditor documentation has been provided. Under FCRA 1681i and the FDCPA, collections must be verified before being reported. The reporting of this account is damaging, misleading, and unlawful. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} This collection is inaccurate and unverifiable. No signed agreement or proof of assignment has been produced. Reporting a collection without validation violates FCRA 1681e ( b ) and 1681i, because the information is not accurate nor verifiable. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} This is reported as a collection but no contract or documentation has been provided linking me to this alleged debt. Keeping this account is a direct violation of FCRA 1681i, as unverifiable data must be deleted. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} This collection account is unverifiable. Without validation from the original creditor, this entry violates FCRA 1681e ( b ) for failure to maintain maximum possible accuracy. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} This account is inaccurate and unverifiable. XXXX has not produced original creditor documentation proving the debt. Under FCRA 1681i and the FDCPA, unverifiable collections must be deleted. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account is reported as a charge off despite showing a XXXX balance. This is contradictory, inaccurate, and misleading. Reporting a derogatory mark when no balance exists is a violation of FCRA 1681e ( b ) and 1681i, because inaccurate data can not remain on my file. 

XXXX XX/XX/XXXX This inquiry is unauthorized. I did not provide consent nor permissible purpose. Reporting this violates FCRA 1681b, which requires that inquiries be authorized by the consumer. 

XXXX XXXX XX/XX/XXXX This inquiry was reported without my knowledge or authorization. This is a clear violation of FCRA permissible purpose law 1681b and must be deleted. 

XXXX  XX/XX/XXXX This inquiry was not authorized by me. Keeping it on my credit file is unlawful under 1681b and negatively impacts my credit score without justification. 

The continued reporting of wrong addresses, unverifiable late payments, inaccurate charge offs, and an unvalidated collection account demonstrates reckless disregard of federal law. I am requesting CFPB assistance to compel the bureau and furnishers to conduct a proper investigation, delete all unverifiable items, and ensure compliance with the Fair Credit Reporting Act. If the information can not be fully verified with original source documentation, it must be permanently removed from my file as required by law.

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