Consumer complaint received 2025-10-22 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 submitting this complaint regarding multiple inaccuracies and potentially unlawful reporting by financial institutions and credit reporting agencies. I request a full investigation under the Fair Credit Reporting Act ( FCRA ) 611 and the Fair Debt Collection Practices Act ( FDCPA ) 807-809, including removal or correction of all inaccurate information. The reporting of these accounts has caused substantial harm to my creditworthiness, financial stability, and ability to access fair credit. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * This account was inaccurately reported as a charge-off with a balance of {$0.00}. Under FCRA 611, I dispute this reporting as inaccurate and unverifiable. My records show that this account was closed in good standing with a {$0.00} balance. Continued reporting of this item as a charge-off is misleading and damaging to my credit history. 

XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Chargeoff * * This account has been incorrectly reported as a charge-off. I have documentation proving my account status and payments. Per FCRA 611, I request full reinvestigation of this account, as reporting it as a charge-off without verification is a clear violation of federal law and has negatively impacted my credit score. 

Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was made without my knowledge or consent. FCRA 604 ( a ) ( 3 ) mandates that each inquiry must have a permissible purpose. Unauthorized inquiries damage my credit score, may lead to higher interest rates, and constitute a violation of my rights as a consumer. I request immediate removal and confirmation in writing that this inquiry has been deleted. 

XXXX XX/XX/XXXX I did not authorize XXXX  to access my credit file. FCRA 604 ( a ) ( 3 ) requires express permission for all credit pulls. This unauthorized inquiry negatively affects my creditworthiness and misrepresents my financial history. I demand deletion and full verification of any claimed authorization. 

XXXX XX/XX/XXXX I never applied for credit or gave consent to XXXX. This unauthorized access violates FCRA 604 ( a ) ( 3 ) and may constitute a potential legal infraction. Removal of this inquiry is required to restore accuracy and prevent further harm to my credit profile. 

XXXX XXXX XXXXXX/XX/XXXX I did not authorize XXXX XXXX to pull my credit. Under FCRA 604 ( a ) ( 3 ), inquiries must have a permissible purpose. This unauthorized action can lower my credit score and creates a misleading representation of my credit activity. I request deletion and documentation of any alleged authorization. 

XXXX XX/XX/XXXX I did not provide consent for XXXX  to make this inquiry. FCRA 604 ( a ) ( 3 ) requires explicit consent. Unauthorized inquiries cause financial harm and undermine the accuracy of my credit report. I demand removal and written confirmation of deletion. 

I demand that all items listed above be thoroughly reinvestigated and corrected or removed as required by federal law. Continued reporting of these inaccurate accounts constitutes a violation of my rights under the FCRA and FDCPA. Documentation supporting my position is available upon request, and I expect written confirmation of the results of your 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