Consumer complaint received 2025-11-04 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: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ) against TransUnion and the listed furnishers/collection agencies for reporting false, inaccurate, and unverified information on my credit file. These entries are damaging my credit reputation, misrepresenting my identity, and violating my federally protected consumer rights.

I have attempted to dispute these items directly with the credit bureau, yet these inaccurate entries remain on my report. The listed accounts below are being reported as collections and hard inquiries, none of which were authorized by me, validated, or substantiated by any legal documentation. 
Disputed Items XXXX XXXX XXXX XXXX, NC XXXX Wrong Address This address is not and has never been associated with me. I have no record, lease, or utility accounts tied to this location. Reporting this incorrect address is a clear violation of FCRA 607 ( b ), which requires consumer reporting agencies to assure maximum accuracy. 
XXXX XXXX XXXXXXXX, NC XXXX Wrong Address This is another incorrect address being falsely linked to my credit file. Including this information creates confusion and misidentification. I am requesting immediate deletion from my report. 
XXXX XXXX XXXX XXXX, MD XXXX Wrong Address This Maryland address has never been connected to me in any way. I have never lived, owned, or received mail at this address. Please remove it immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$15000.00} | Charge Off * * I have no knowledge of this account or any such financial relationship with XXXX. Reporting this as a charge-off without verified documentation violates FCRA 611 ( a ) and 623 ( b ). If the furnisher can not provide a complete and verifiable signed contract and payment history, this account must be deleted immediately. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$10000.00} | Charge Off I do not recognize this account or any transactions with XXXX XXXX. No validation has ever been provided to confirm this debts authenticity. Continued reporting without proof violates FDCPA 809 ( b ) and FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$24000.00} | Late Payment * * This late payment is inaccurate. I have never made late payments to XXXX XXXX, and no documentation has been shown proving otherwise. This constitutes false reporting in violation of FCRA 607 ( b ). I request this account be updated to reflect a perfect payment history immediately. 
XXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX | Balance : {$2500.00} | Charge Off This charge-off is false and unverified. I have never defaulted on any account with XXXX. If XXXX or any third-party furnisher can not validate the debt with original documents bearing my signature, this item must be deleted under FCRA 611 ( a ). 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$6200.00} | Charge Off * * I have no record of this account. This listing is fraudulent and damaging to my file. XXXX from the original creditor must be produced within 30 days or the item must be permanently deleted. 
XXXX XXXX Date Opened : XX/XX/XXXX | XXXX : {$9100.00} | Charge Off This account is unrecognized. I request immediate removal under FCRA 611 ( b ) as the furnisher has not proven this is a legitimate debt belonging to me. 
XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$890.00} | Late Payment This late payment is falsely reported. My payment record with XXXX has been timely and consistent. Reporting otherwise is inaccurate and a violation of FCRA 607 ( b ). 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX | XXXX : {$610.00} | XXXX * * This account mirrors another with identical details, suggesting duplicate or fraudulent reporting. Please delete. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | XXXX : {$280.00} | XXXX * No validation provided. Continued reporting without verification violates FDCPA 809 ( b ) and FCRA 611 ( a ). 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | XXXX : {$250.00} | Collection * * This appears fraudulent. I have never been contacted about this alleged debt. Remove immediately if verification can not be provided. 
XXXX XXXX XXXX * Date Opened : XX/XX/XXXX | Balance : {$300.00} | Collection * * This listing is inaccurate, unverified, and damaging to my file. The collector must validate within 30 days or the CRA must delete under FCRA 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX * Date Opened : XX/XX/XXXX | Balance : {$250.00} | Collection I have no knowledge of this account. I have never been contacted, billed, or validated for this debt by XXXX XXXX. Reporting this account without proper validation is a violation of FDCPA 809 ( b ) and FCRA 623 ( a ) ( 1 ) ( A ). This entry must be deleted immediately. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | XXXX : {$180.00} | XXXX * * This is a duplicate and fraudulent collection. The repeated reporting of similar XXXX XXXX accounts appears to be an attempt to re-age or double-report debt, which violates FCRA 623 ( a ) ( 5 ) and 605B. I demand deletion of this unverified entry. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | XXXX : {$160.00} | XXXX * * This alleged collection is inaccurate. I have never received validation of this debt. Any continued reporting without proof is unlawful and a violation of FCRA XXXX ( b ) and FDCPA XXXX ( b ). 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$940.00} | Collection * * I do not recognize this debt or any original creditor related to XXXX XXXX  The account appears unverified and possibly re-aged. I request that this item be deleted unless full proof of ownership and debt validation is produced within 30 days. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$740.00} | Collection * * This XXXX XXXX entry appears to be a duplicate of another listing. Duplicate or unverifiable entries violate FCRA 607 ( b ) and 605B. Please delete this item immediately.

Unauthorized Hard Inquiries Each of the following inquiries was made without my written authorization or permissible purpose as defined under FCRA 604 ( a ). Hard inquiries may only be conducted with my explicit consent or in connection with a credit application initiated by me. These unauthorized inquiries have damaged my credit score and are a violation of federal law. 
XXXX XXXX XXXXXX/XX/XXXX These duplicate inquiries are completely unauthorized. I never applied for credit with XXXX Bank or any XXXX affiliate. Multiple inquiries from the same entity without consent violate FCRA XXXX ( b ). 
Legal Violations and XXXX XXXX The repeated appearance of inaccurate collections and unauthorized inquiries demonstrates noncompliance with FCRA 607 ( b ), 611 ( a ), and 623 ( b ) by TransUnion and the reporting furnishers. These actions have : Lowered my credit score, limiting access to fair credit opportunities.

Caused emotional and financial distress.

Resulted in reputational damage through false association with delinquent or fraudulent debts. 
I have made good faith efforts to dispute these items directly, yet the credit bureau has continued to report them without proof of validation or permissible purpose. This ongoing reporting constitutes willful noncompliance under FCRA XXXX and XXXX, entitling me to statutory and actual damages. 
Requested Action from the CFPB I respectfully request that the Consumer Financial Protection Bureau : XXXX. Conduct a formal investigation into TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and any other related furnishers. 
2. Require TransUnion to delete all unverified and unauthorized collection accounts and inquiries immediately.

3. Ensure compliance with FCRA 604, 607, 611, and 623 and FDCPA 809 ( b ).

4. Impose sanctions or penalties where noncompliance is verified.

5. Provide written confirmation of all corrective actions taken.

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