Consumer complaint received 2025-10-01 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: TN

Complaint narrative:
I am filing this complaint because my consumer rights have been violated through the reporting of inaccurate and unverifiable information on my credit file which is damaging my financial reputation and limiting my access to fair credit opportunities. I request CFPB to investigate these violations and hold the furnishers and credit bureaus accountable. My personal information connected to these inaccuracies is XXXX XXXX XXXX XXXX XXXX, TN XXXX which is not accurate and should not be linked to me. This address is creating confusion and mixing of files. I never lived at or used this address. The continued reporting of this wrong address violates the Fair Credit Reporting Act ( FCRA ) because under FCRA Section 602A and 609 ( a ) ( 1 ) I have the right to accurate and verifiable information. This wrong address is harming me as it associates my profile with information that does not belong to me. I request this address to be deleted permanently and immediately under FCRA Section 611 which ensures consumers right to dispute inaccurate information. 

ADDRESSES XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address is being wrongly reported on my credit profile. I have no valid connection to this residence, and its appearance creates confusion in my credit history. The FCRA requires that only correct and verifiable identifying information be kept in my file, and because this address can not be validated as mine, it must be removed. Its presence suggests possible file mixing, which is a violation of accuracy standards under the FCRA. I have never received mail or legal notice at this address. Reporting this as part of my history creates a misleading record that damages my financial integrity. It implies activity that I have no part in, making my report unreliable. This inaccuracy increases my risk of fraud and misrepresentation. The bureau has a duty under section 1681i to reinvestigate and delete unverifiable information. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX This XXXX XXXXXXXX is listed in my records without my authorization. It misrepresents my place of residence and creates inaccuracies in how my credit history is tracked. The reporting of wrong addresses violates the FCRAs requirement for maximum possible accuracy, and therefore I demand its deletion. I have never authorized any financial institution to use this XXXX XXXX XXXX XXXX XXXX XXXX Its inclusion suggests clerical errors or even identity-related issues. A mailing box is not a residence, and its reporting as such is inherently inaccurate. This entry does not match my identification documents or verified addresses. The false reporting harms my ability to maintain a consistent profile. Under the FCRA, unverifiable and misleading identifiers can not be reported. I request that this record be deleted after full reinvestigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : XXXX  Chargeoff This account is being reported inaccurately as a charge-off. I dispute this because I never authorized such reporting, nor was I notified of any legitimate charge-off process. The FCRA requires complete and verifiable data, yet this entry is misleading, harmful, and unverifiable. I have not received any original documentation to prove the debt exists in the manner reported. Reporting a charge-off without proper verification is a violation of my rights under Section 1681e ( b ). The balance listed is not supported by any billing statement provided to me. No notice of acceleration or default was given prior to the alleged charge-off. The record makes it appear that I abandoned my obligation, which is entirely untrue. This is damaging to my creditworthiness because it paints a false picture of irresponsibility. Credit bureaus are required to ensure maximum possible accuracy, but this record does not meet that standard. Its reporting without verifiable proof causes harm in lending and employment opportunities. I have not authorized this trade line to continue showing negative data. As such, this record is unverified, inconsistent, and misleading. I demand its immediate deletion under my consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : XXXX  Late Payment This account shows late payments that are entirely false. I have never missed payments in the manner claimed, and the negative status is an error that misrepresents my creditworthiness. Because unverified late history can not be legally reported under FCRA, this account must be corrected or deleted. The payment history shown conflicts with my personal records. No proper billing cycle documentation has been provided to prove lateness. A balance of XXXX can not justify harmful derogatory reporting if not properly validated. This record portrays me as financially negligent, which is untrue. Section 1681i requires a reinvestigation when information is disputed, and I am invoking that right. My account history shows regular and timely payment practices. The negative listing harms my ability to access credit fairly. Its presence undermines my true financial behavior and is prejudicial to my profile. Without verifiable proof from the original creditor, this listing has no legal standing. It must be either corrected to reflect accuracy or permanently deleted. 

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 reflects late payment activity. With a XXXX balance, there is no basis for such reporting, which makes the status inherently inconsistent. The FCRA prohibits reporting data that can not be verified, and this information must be deleted. A late payment entry on an account that reports no balance is contradictory. No verifiable billing or delinquency notice has been presented to substantiate the claim. This is misleading because it suggests I failed to pay on a debt that no longer exists. Such reporting harms my credit standing unfairly. It creates confusion for lenders evaluating my responsibility. I have requested proof from the creditor and received none. Continuing to list negative history without proof is a violation of accuracy standards. It misrepresents my financial conduct to third parties. Section 1681e ( b ) requires accuracy and completeness, which this account fails to meet. Because it can not be proven with reliable evidence, I demand its deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4.00} Late Payment This entry falsely indicates late payments despite the balance being negligible. The reporting is inconsistent, misleading, and can not be verified with accuracy. Under my FCRA rights, I request deletion of this unverified information immediately. A {$4.00} balance is not substantial enough to justify derogatory reporting unless supported by precise documentation. No valid evidence has been presented that I failed to pay in the timeframes alleged. This appears to be a clerical or reporting error rather than an accurate reflection of my history. It misleads future creditors into believing I am delinquent over a negligible sum. Such errors have serious consequences on my financial profile. The FCRA demands the highest level of accuracy, yet this record fails that standard. It also contradicts the principle of fairness under consumer protection law. Without verifiable proof, negative reporting on such a trivial balance is unlawful. It paints me as negligent where no true negligence exists. Because the information is misleading, unverifiable, and inconsistent, I demand deletion of this accounts negative reporting immediately. 

BANKRUPTCIES U.S. Bankruptcy Court Reference # XXXX I dispute the reporting of this bankruptcy because it has not been verified with accurate and reliable documentation. The reporting agencies are required to maintain records that can be fully substantiated, yet this entry can not be confirmed. Under the FCRA, unverifiable public record information must be deleted. I have never been provided with official documentation linking me personally to this case file. No certified court record has been presented to prove my involvement. Reporting such data without proof violates section 607 ( b ) of the FCRA. This record creates the false impression that I filed bankruptcy when I did not. It damages my reputation with creditors, landlords, and employers. Duplicate and unverifiable bankruptcy entries are a serious violation of reporting standards. This false entry compromises the accuracy of my credit file. Because it is not supported by verifiable public record, it must be removed. 

INQUIRIES XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me and should not appear on my credit file. I never applied for credit with XXXX on this date. Reporting unauthorized inquiries is a violation of FCRA 604. This inaccurate inquiry lowers my score unfairly. The bureau is required to verify permissible purpose or delete it. Keeping unverifiable inquiries misrepresents my history. I request full reinvestigation. This must be deleted immediately. 

XXXX XXXX XX/XX/XXXX I dispute this inquiry because I never gave consent for XXXX to access my report on this date. My consumer file must not contain unauthorized pulls. This is harmful because it suggests credit activity that never occurred. The FCRA prohibits such reporting without verifiable authorization. This damages my ability to obtain credit fairly. I demand removal. Failure to delete unverifiable inquiries violates my rights. 

XXXX XXXX XX/XX/XXXX This inquiry is false and was not authorized. I did not initiate a credit request that would permit this pull. The FCRA allows inquiries only with explicit permissible purpose. Reporting this damages my report and credibility. There is no contract or agreement tied to this inquiry. It misrepresents my actions and lowers my score. I request deletion. This must be corrected immediately. 

XXXX XXXX XX/XX/XXXX This inquiry is inaccurate and unauthorized. I never applied for any financing with this creditor. The FCRA requires credit bureaus to ensure only permissible inquiries are reported. This entry harms my credit profile and creates a false impression of financial activity. I demand reinvestigation. If the inquiry can not be verified with proof of consent, it must be removed. This is an unlawful entry. 

XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry is reported incorrectly and was not authorized by me. I never gave permission for XXXX XXXX XXXX  to access my credit on this date. The presence of this inquiry lowers my score unfairly. FCRA requires proof of permissible purpose which does not exist here. The reporting is harmful and misleading. I request deletion after investigation. This entry must be removed immediately. 

XXXX XXXX XXXXXX/XX/XXXX This is an unauthorized and unverifiable inquiry. I never requested credit with XXXXXXXX XXXX on this date. Keeping it in my file is damaging and unlawful under FCRA 604. My report must not reflect false credit-seeking behavior. This inaccurate entry is misleading to lenders. It negatively affects my creditworthiness unfairly. I demand immediate deletion. 

XXXX XXXX This inquiry is not connected to any application I made. No consent was provided for XXXX to access my file. Reporting unauthorized pulls violates FCRA protections. The entry creates a false impression of financial activity. This harms my credit profile and misleads future creditors. I request removal under my rights. Deletion is required if unverifiable. 

XXXXXXXX XXXX XXXXXX/XX/XXXX This inquiry is inaccurate and not authorized by me. I never initiated a credit request with this company. Reporting it is misleading and harmful. FCRA requires proof of permissible purpose. This inquiry can not be verified, therefore it must be deleted. Keeping false entries is unlawful. I demand reinvestigation and removal. This must be corrected immediately. 

XXXX XXXX XXXXXX/XX/XXXX This inquiry was never authorized by me. No valid application exists for this date with XXXX XXXX. Reporting it violates FCRA standards for accuracy. This entry damages my score and misrepresents my actions. It is misleading to lenders and employers. I request deletion of this inquiry. It must be removed if not fully verified. 

XXXXXXXX XXXX XXXXXX/XX/XXXX I dispute this inquiry because it is unauthorized and harmful. No contract or application ties me to this date. The FCRA requires verifiable permissible purpose which this inquiry lacks. Reporting it creates confusion in my file. This unfairly lowers my score. I demand reinvestigation. It must be deleted as unverifiable. 

XXXX XXXX XX/XX/XXXX This inquiry is false and unauthorized. I did not consent to any pull on this date. Reporting such an entry violates my rights under the FCRA. This inquiry is misleading and damaging to my credit profile. There is no legitimate permissible purpose. It must be removed immediately. I request deletion after full reinvestigation. 

XXXX XXXX XXXX XXXXXX/XX/XXXX I never applied for credit with XXXX XXXX XXXX on this date. This inquiry is completely unauthorized. The FCRA prohibits reporting inquiries without consent. It negatively affects my score and reputation. This inaccurate entry misrepresents my history. I request reinvestigation and deletion. It must be removed if unverifiable. 

XXXX XXXX XX/XX/XXXX This inquiry is not valid and not authorized by me. I never gave consent for a credit check by XXXX XXXX. Reporting this violates my FCRA rights. It unfairly lowers my credit score. This entry is misleading and harmful. I demand reinvestigation. If not verified with proof, it must be deleted. 

XXXX XXXX XX/XX/XXXX This inquiry is unauthorized and harmful. I did not apply for auto financing with XXXX on this date. The bureau has no proof of permissible purpose. Reporting this is unlawful under FCRA. It creates false activity in my file. This entry damages my creditworthiness. I request deletion. It must be removed immediately. 

XXXX  XX/XX/XXXX This inquiry is not connected to any application I made. It was not authorized and has no valid basis. Reporting unauthorized pulls violates the FCRA. This entry lowers my score unfairly. It misrepresents my financial behavior. I request reinvestigation. It must be deleted if unverifiable. 

I demand full reinvestigation of the above accounts and permanent deletion of all inaccurate addresses and accounts. I ask CFPB to enforce compliance with the FCRA and ensure these wrong items are removed so that my credit file reflects only accurate and verifiable information 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