Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because multiple collection agencies and data furnishers are reporting false, inaccurate, and unverified information on my credit report, causing me significant financial harm. I repeatedly requested proper validation and documentation, but none of these furnishers have provided any original proof, signed contract, billing statements, or legal evidence showing I owe these debts. Under the Fair Credit Reporting Act, they are required to report only accurate, fully verifiable information, and any failure to verify must result in deletion. The following accounts are being reported illegally : WRONG / FRAUDULENT ADDRESSES NOT MINE XXXX XXXX XXXX XXXX XXXXXXXX Issue : This is NOT my address, never lived here, never used it for any credit application. This is a case of file merging / identity errors and must be removed immediately. 
XXXX XXXX XXXX XXXX XXXX Issue : Not my residence, never associated with me. Reporting this address violates FCRA 607 ( b ) accuracy requirements. 
ACCOUNTS REPORTED INACCURATELY / FRAUDULENT/ NOT MINE / INCORRECT STATUS XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$170.00} Issue : Reported as Charge Off, which is false, inaccurate, and unverified. I have no knowledge of this alleged charge-off. No original contract, billing records, payment history, or signed agreement exists. Must be deleted under FCRA 611 & 623. 
XXXX Acct XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} Issue : Incorrect Late Payment reporting. I never paid late, and this is harming my creditworthiness. I am requesting correction of the payment history because the reported late payment is wrong and unsupported by documentation. 
XXXX XXXX XXXX  Acct XXXX * Date Opened : XX/XX/XXXX | Balance : {$2500.00} Issue : Charge Off listed without proof. I dispute this account as inaccurate and unverified. No original signed documents or verification has ever been provided. 
XXXX Acct XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} Issue : Wrong Charge Off reporting. I have no knowledge of this account, no contract, no payment history. Must be removed. 
XXXX Acct XXXX Date Opened : XX/XX/XXXX | Balance : {$490.00} | Status : Collection * Issue : This is not my account and appears to be a third-party collection with no lawful verification. No original documentation has ever been presented. Reporting this violates FCRA accuracy requirements. Delete immediately. 
XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$1900.00} | Status : Collection * * Issue : I dispute this account because it is unverified, inaccurate, and not mine. XXXX XXXX has never provided any proof of ownership or original contract. This account must be permanently removed. 
XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$9300.00} | Status : Collection * * Issue : I have no knowledge of this account. The amount is inflated, unsupported, and completely unverified. No validation was provided within the required timeline. Must be deleted per FCRA & FDCPA. 
XXXX XXXX  Acct XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$1400.00} | Status : Collection * * Issue : This rental-related debt is not mine. I have no lease, no rental agreement, and no documentation tying me to this alleged balance. Inaccurate and unverifiable. Delete. 
PORTFOLIO XXXX Acct XXXX * * Date Opened : XX/XX/XXXX | Balance : {$330.00} | Status : Collection * * Issue : Completely false and unverified collection. XXXX has a history of reporting debts without proof. I dispute this account as fraudulent or mistaken identity. Must be removed. 
XXXX XXXX Acct XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$3400.00} | Status : Collection * * Issue : Duplicate / inaccurate reporting. Same balance appears on another account, suggesting re-aging or double reporting, which is illegal. No validation received. Must be deleted immediately under FCRA 607 ( b ).

Unauthorized / Hard Inquiries FCRA 1681b ( No Permissible Purpose ) These inquiries were made without my knowledge, authorization, or consent. I never applied with these companies on these dates and these inquiries violate FCRA 1681b for lacking permissible purpose. 
XXXX XX/XX/XXXX Inquiry Unauthorized XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry Unauthorized XXXX XX/XX/XXXX Inquiry Unauthorized All these inquiries were pulled without my consent and must be removed immediately under FCRA 1681b ( a ) ( 2 ).

I am requesting the CFPB to investigate these furnishers and require immediate correction or deletion of all unverified items. These companies are damaging my credit profile and violating FCRA requirements by reporting inaccurate information and refusing to provide any lawful evidence. I am requesting full enforcement action and compliance review.

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