Consumer complaint received 2025-06-23 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:
To Whom It May Concern, I am writing to formally file a complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) against multiple credit furnishers and consumer reporting agencies ( XXXX, XXXX, and TransUnion ). My credit report contains inaccurate, incomplete, and unverifiable information that has caused me severe financial and emotional hardship. I have attempted to resolve these matters directly through disputes, yet these errors persist, causing ongoing damage to my creditworthiness. 
Incorrect Addresses Reported ( FCRA 605 ( b ), 611 ) The following addresses are inaccurately listed on my credit report. I have never lived at or used these addresses, and their presence is evidence of either mixed files, identity confusion, or lack of verification by the reporting agency : XXXX XXXX XXXX, XXXX XXXX XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Wrong Address According to FCRA 611, consumer reporting agencies are required to verify the accuracy of any item upon dispute. These addresses were never verified and are contributing to the inclusion of fraudulent or unrelated account data. 
Accounts with Inaccurate Information, Charge-Offs, Late Payments, and Collections Below is a detailed list of accounts on my credit report that I dispute due to inaccuracy, outdated balances, wrong payment history, unverifiable debt, or FDCPA violations : XXXX. XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX High Balance : {$8100.00} | Opened : XX/XX/XXXX | Status : Charge-Off * * The charge-off was placed without any prior notice or validation. 
I never received proper communication regarding delinquency. 
Violates FCRA 623 ( duty to report accurately ), and FDCPA 809 ( debt validation ). 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$510.00} | Opened : XX/XX/XXXX | Status : Charge-Off * * This account was paid and should not reflect a charge-off. 
Incomplete reporting is a direct violation of FCRA 607 ( b ). 
XXXX. XXXX Acct : XXXX High Balance : {$2000.00} | Opened : XX/XX/XXXX | Status : Charge-Off * * Account balance is inflated and inaccurate. 
Reporting agency failed to verify the debt per FCRA 611. 
XXXX. XXXX XXXX XXXX Acct : XXXXXXXX XXXX High Balance : {$490.00} | Opened : XX/XX/XXXX | Status : Charge-Off * * I was not notified of the charge-off, and theres no documentation validating the amount. 
FDCPA 807 prohibits false or misleading representation. 
XXXX. XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX High Balance : {$580.00} | Opened : XX/XX/XXXX | Status : Late Payments * * The reported late payments are inaccurate ; payments were made on time. 
Violates FCRA 623 ( a ) ( 1 ) ( A ) duty to report accurately. 
XXXX. XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$310.00} | Opened : XX/XX/XXXX | Status : Late Payment * * The account was opened less than a year ago and already reflects late payments, which is suspicious. 
Requesting verification under FCRA 611. 
XXXX. XXXX XXXX XXXX Acct : XXXXXXXX XXXX High Balance : {$670.00} | Opened : XX/XX/XXXX | Status : Charge-Off * * No signed agreement or validation of the alleged debt was provided. 
Violates FDCPA 809 ( a ) failure to validate debt. 
XXXX. XXXX XXXX XXXX Acct : XXXX High Balance : {$520.00} | Opened : XX/XX/XXXX | Status : Late Payment * * Inaccurate and unverifiable late payment reported. 
XXXX. XXXX XXXX Acct : XXXXXXXX XXXX  High Balance : {$12000.00} | Opened : XX/XX/XXXX | Status : Late Payment * * Account is very old, and the late payments are outdated and unverifiable. 
Requesting removal under FCRA 605 ( a ) obsolescence rule. 
Collections Accounts ( Violation of FDCPA 807, 809 ) XXXX. XXXX XXXX XXXX Acct : XXXX XXXX  High Balance : {$1400.00} | Opened : XX/XX/XXXX No validation letter received. Reporting without notice. 
Violates FDCPA 809. 
XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$55.00} | Opened : XX/XX/XXXX Extremely small balance. No communication or attempt to collect before reporting. 
FDCPA 807 ( 10 ) deceptive collection practices. 
XXXX. XXXX XXXX Acct : XXXX High Balance : {$710.00} | Opened : XX/XX/XXXX Debt not verified. Collection account was added without prior validation. 
XXXX. XXXX XXXX XXXX Accts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balances : {$64.00} {$680.00} | Various Open Dates Multiple duplicate collections, likely re-aged debts. 
This violates FCRA 623 ( a ) ( 5 ) and FDCPA 807 ( 2 ). 
XXXX. XXXX XXXX XXXX Acct : XXXXXXXX XXXX  High Balance : {$2000.00} | Opened : XX/XX/XXXX Collection account without a notice of debt validation. 
Violates FDCPA 809 ( a ). 
Hard Inquiries Without Authorization ( FCRA 604 ) 18. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX These inquiries were unauthorized and done without my consent. 
Per FCRA 604 ( a ) ( 3 ), a permissible purpose is required. 
Summary of Violated Laws FCRA 607 ( b ) Maximum possible accuracy in reporting FCRA 611 Right to dispute and reinvestigation FCRA 623 Duty to report accurate information FCRA 605 Obsolete account reporting FCRA 604 Unpermitted inquiries FDCPA 809 ( a ) Validation of debts FDCPA 807 False/deceptive representation Personal Impact Statement These inaccuracies have severely impacted my ability to obtain credit, housing, and even employment. I am a responsible consumer, and I have taken extensive steps to clear up my report, yet the CRAs continue to report false and unverifiable information. I have suffered mental stress, anxiety, and financial harm due to these reporting errors. 
Despite repeated attempts to correct these issues, the agencies have failed to comply with federal law. I am now turning to the Consumer Financial Protection Bureau ( CFPB ) to investigate and enforce accountability. 
Resolution Requested : 1. Immediate deletion of the inaccurate addresses.

2. Complete deletion or correction of all the above-mentioned accounts.

3. Removal of all unauthorized hard inquiries.

4. A full reinvestigation with supporting documents and proper verification.

5. Written confirmation once all corrections are made. 
Thank you for your attention to this matter. I request immediate action and a full investigation.

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