Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against the credit reporting agencies and the following furnishers for reporting inaccurate, unverified, unauthorized, and legally non-compliant information on my consumer reports. I am demanding immediate regulatory review and enforcement action due to multiple violations of federal law. 

I have repeatedly disputed these items, yet they continue to be reported without proper investigation, verification, or compliance with mandatory FCRA procedures. This constitutes willful and negligent non-compliance under 15 U.S.C. 1681n and 1681o.

Below is a detailed breakdown of the inaccurate and unlawful information being reported : XXXX XXXX XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Reported Status : Late Payment This reporting is false, inaccurate, and unlawful. I have never made a late payment on this account, and the payment history being reported is factually incorrect. Under FCRA 607 ( b ), only information that is completely accurate and verifiable may be reported. I demand a full investigation and correction of this inaccurate history. 

XXXX XXXXXXXX XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX Reported Status : Charge Off I have no knowledge of this account, have never opened it, and have never authorized any creditor to establish or report this account in my name. This is either identity-related or the furnisher has failed to maintain documentation required under FCRA 623 . Reporting a charge-off that can not be verified with original signed documentation violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I am demanding immediate deletion due to failure to validate the debt and failure to demonstrate permissible purpose under FCRA 604. 

The following hard inquiries were made without my authorization, without my consent, and without any permissible purpose under FCRA 604 ( a ). I never applied for credit with these entities on these dates. These inquiries must be removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not initiated by me, and the entities involved have failed to provide any form of permissible purpose documentation, validation, consumer authorization, or application record. Under FCRA 607 ( a ) and 615, these inquiries must be removed for failure to meet compliance standards. Despite my previous disputes, these furnishers and CRAs have failed to com
plete proper reinvestigations, in violation of FCRA 611, by : failing to obtain actual documentation failing to review original contracts or authorizations relying on automated or superficial procedures instead of meaningful investigation continuing to report information that is unverified, inaccurate, or false These failures have substantially harmed me by lowering my creditworthiness, interfering with my ability to obtain housing, transportation, and financial services, and causing reputational and financial damage. 

I am requesting that the CFPB take immediate regulatory action and require the furnishers and CRAs to : Provide full documentation proving the accuracy and legal basis for each item. 

Remove all unverified, inaccurate, and unauthorized accounts and inquiries. 

Correct the false late payment history. 
Enforce full compliance with the FCRA and applicable regulations.

I declare that all information provided in this complaint is true and accurate to the best of my knowledge, and I request the Bureaus intervention to ensure compliance with federal 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