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: AR

Complaint narrative:
To Whom It May Concern, this is a formal complaint regarding inaccurate, misleading, and unverifiable information that continues to be reported on my consumer report in violation of federal consumer protection laws. The items listed below have caused harm to my creditworthiness and were reported without proper verification or permissible purpose. I am requesting the Consumer Financial Protection Bureau to investigate and take appropriate enforcement action against the responsible entities for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

XXXX XXXX XXXX XXXX, AR XXXX This address is being falsely linked to my profile, which is misleading and inaccurate. I have no verifiable residency, lease, or bill history tied to this location. The continued inclusion of an incorrect address violates FCRA 607 ( b ), which requires credit bureaus to maintain maximum possible accuracy. Reporting unverifiable personal identifying information compromises the integrity of my report and contributes to the confusion surrounding my file. I demand that this address be permanently deleted to ensure compliance with FCRA 611 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Charge Off * * This account was previously disputed as inaccurate and remains unverifiable. XXXX XXXX  has failed to validate the debt with original signed documents or transaction records linking it to me. Reporting this account as a charge-off without proof of ownership or authorization violates FCRA 609 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 8 ). The continued negative reporting of an unverified charge-off damages my creditworthiness and shows noncompliance with FCRA 611 ( a ) ( 5 ) ( A ). 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This account inaccurately reports late payments even though I have no verified record of missed payments. No billing statements or correspondence were ever provided to support the alleged delinquency. Reporting false late payment data without proper validation violates FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Continued misreporting despite prior disputes constitutes willful noncompliance under FCRA 616. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This entry inaccurately lists me as late, but I have never had a verified payment agreement with this creditor. No proof of billing, loan contract, or authorization has been provided. The reporting of a false delinquency breaches FCRA 602 ( A ) and 607 ( b ), which require data furnishers and bureaus to ensure maximum accuracy. Failure to delete unverifiable data after reinvestigation violates 611 ( a ) ( 5 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$520.00} Late Payment * * This account was disputed previously and remains unverifiable. The balance and dates reported conflict with records in my possession. Such conflicting data indicate gross inaccuracy under FCRA 607 ( b ). Continued listing of unverifiable delinquencies without supporting evidence shows neglect of due diligence required under 611 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * The bureau has failed to verify this account through original documentation. This is an unverifiable account with no contract, no payment record, and no authorization from me. Reporting unverifiable accounts violates FCRA 609 ( a ) and 623 ( a ) ( 3 ), which require furnishers to investigate disputes and provide accurate data. 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * This account has false late payment notations even though I have never defaulted or been notified of such payments. The failure to correct or verify this inaccurate record after my first and second disputes violates FCRA 611 ( a ) ( 1 ) ( A ) and 616, showing negligent and willful noncompliance with federal law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This furnisher continues to report late payment data that can not be substantiated. There are no legitimate statements, billing notices, or signed documents linking me to the alleged delinquency. The bureaus failure to remove this unverifiable information after multiple disputes constitutes a violation of FCRA 611 ( a ) ( 5 ) ( A ). 

XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This newly reported account is completely inaccurate and has no connection to me. No authorization, loan application, or billing history exists. Reporting a false financial relationship is a violation of FCRA 607 ( b ) and FDCPA 807 ( 2 ) ( A ) for misrepresenting the character or status of a debt. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Collection * * This collection account was never validated by XXXX XXXX XXXX. They failed to provide proof of assignment or the original signed agreement. Continued collection reporting without validation is a direct violation of FDCPA 809 ( b ) and FCRA 611 ( a ) ( 1 ) ( A ). The bureaus failure to remove this entry after multiple reinvestigations shows negligence and willful noncompliance. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$670.00} Collection * * This duplicate and inconsistent listing for the same alleged debt is a clear violation of FCRA XXXX ( b ), which mandates maximum accuracy. Reporting multiple entries for the same account inflates my debt and damages my credit score unlawfully. The lack of validation also violates FDCPA 807 ( 2 ) ( A ). 

XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$630.00} Collection * * This collection account remains unverifiable. XXXX has not provided proof that I owe this debt, nor has the bureau provided a legitimate investigation result. Reporting unverifiable collection data violates FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ), and the failure to remove it shows noncompliance with 623 ( b ). 

XXXX XX/XX/XXXX This inquiry was unauthorized and conducted without my written consent. Accessing my credit report without permissible purpose is a violation of FCRA 604 ( a ) ( 2 ). The bureaus failure to remove unauthorized inquiries after prior disputes constitutes negligence under FCRA 616. 

XXXX XXXX XXXX XX/XX/XXXX This entity had no permissible purpose to access my credit. There was no credit application or consent given. Continued listing of this unauthorized inquiry violates FCRA 604 ( a ) ( 3 ) and 607 ( a ). 

XXXX XXXX XX/XX/XXXX This inquiry was made without my authorization or a valid business purpose. Under FCRA 604 ( a ) ( 3 ) ( F ), consumer reporting agencies must ensure inquiries are legitimate before recording them. This inquiry must be removed immediately. 

XXXX XXXX XX/XX/XXXX This hard inquiry is unauthorized, as no credit application was made with this entity. Reporting this inquiry without permissible purpose violates FCRA 604 ( a ) and 607 ( a ). 

XXXX XXXX XX/XX/XXXX This inquiry was not approved or initiated by me. Recording such unauthorized access violates FCRA 604 ( a ) ( 2 ) and 616 for negligent noncompliance. 

XXXX XX/XX/XXXX This inquiry was conducted without authorization and must be deleted. Allowing such access to remain on my report violates FCRA 604 ( a ) ( 3 ) and 607 ( b ), which require bureaus to ensure maximum accuracy and legitimacy of reported data. 

The reporting of inaccurate and unverifiable information along with unauthorized access to my credit file represents a pattern of noncompliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I respectfully request the CFPB to investigate these violations, ensure deletion of the disputed information, and take corrective action against the responsible entities to prevent further harm to consumers. I also request confirmation once this complaint has been processed and appropriate actions have been 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