Consumer complaint received 2025-11-08 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: SC

Complaint narrative:
I am submitting this formal complaint to request your immediate assistance in investigating multiple inaccurate and unverified accounts and inquiries being reported on my credit file. These entries have negatively affected my credit standing, and despite my prior efforts to resolve these issues directly with the furnishers and credit reporting agencies, the inaccuracies persist. 

Below are the disputed items currently appearing on my credit report : Accounts Reported with False or Inaccurate Late Payments : XXXX XXXX XXXX High Balance : {$140000.00} | Date Opened : XX/XX/XXXX XXXX XXXX  XXXX High Balance : {$140000.00} | Date Opened : XX/XX/XXXX XXXX  XXXX XXXX High Balance : {$660.00} | Date Opened : XX/XX/XXXX XXXX  XXXX High Balance : {$3500.00} | Date Opened : XX/XX/XXXX XXXX  XXXX XXXX High Balance : {$53000.00} | Date Opened : XX/XX/XXXX I have never made a late payment on any of the above accounts. Therefore, the reported delinquencies are inaccurate and damaging, and I am requesting full correction and verification documentation. 

Accounts Reported as Charge-Offs ( No Knowledge or Verification ) : XXXX  XXXX XXXX High Balance : {$5200.00} | Date Opened : XX/XX/XXXX XXXX XXXX XXXX High Balance : {$1000.00} | Date Opened : XX/XX/XXXX XXXX XXXX High Balance : {$2000.00} | Date Opened : XX/XX/XXXX XXXX  XXXX High Balance : {$450.00} | Date Opened : XX/XX/XXXX XXXX  XXXX High Balance : {$3100.00} | Date Opened : XX/XX/XXXX I have no knowledge or record of these accounts. If the furnishers claim otherwise, they must provide valid documentation proving my liability and consent, including signed agreements, account statements, and payment records. If they can not verify with credible evidence, I request immediate deletion of these accounts from my credit report. 

Collections Accounts Reported Without Proper Verification : XXXX XXXX XXXX High Balance : {$1000.00} | Date Opened : XX/XX/XXXX XXXX XXXX  XXXX High Balance : {$14000.00} | Date Opened : XX/XX/XXXX I have no knowledge of these collection accounts, and I never received any validation or notification in compliance with the Fair Debt Collection Practices Act ( FDCPA ). These accounts should not be reported without proper debt validation and proof of ownership. 

Unverified or Excessive Hard Inquiries : XXXX XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX  ( XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  XXXX  ( XX/XX/XXXX ) I did not authorize many of these hard inquiries. Each of these inquiries should be verified for permissible purpose as required under the Fair Credit Reporting Act ( FCRA ) 604 ( a ). Unauthorized or unverified inquiries must be immediately deleted. 

These continued reporting errors are causing me financial harm, including credit denials and increased interest rates. I am requesting the CFPB to : Conduct a full investigation into these reporting furnishers and credit bureaus. 

Compel each company to produce proof of authorization, accuracy, and account ownership. 

Remove or correct all inaccurate, unverifiable, or unauthorized information from my credit file. 

Please confirm receipt of this complaint and advise me of the next steps in your investigation. I am attaching a copy of my identification and a recent credit report highlighting the disputed items for your review. 

Thank you for your prompt attention to this serious matter. I expect a full and fair investigation under the FCRA and FDCPA.

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