Consumer complaint received 2025-08-30 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: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) is entrusted with ensuring accuracy, fairness, and compliance with consumer reporting laws. I am submitting this formal complaint because my credit report contains false addresses, unauthorized inquiries, and inaccurate information that violates the Fair Credit Reporting Act ( FCRA ). I demand immediate investigation, deletion, and correction of these inaccurate items because they are damaging my creditworthiness and causing ongoing harm. 

XXXX XXXX XXXX, TX XXXX This address is not my residence and should not appear in my credit file. Reporting addresses that do not belong to me violates FCRA Section 607 ( b ), which requires maximum possible accuracy. Keeping false addresses on file misrepresents my identity and could be tied to accounts or inquiries that do not belong to me, thereby misleading creditors and damaging my reputation. This inaccurate data must be deleted immediately. 

Accounts XXXX XXXX XXXX Charge Off High Balance : {$480.00} Date Opened : XX/XX/XXXX This account is being reported as a charge off but has not been fully verified with original documentation. Reporting a charge off without furnishing the complete payment history and contract violates FCRA Section 623 and misleads future creditors. Under FDCPA Section 807, any misrepresentation of a debt is unlawful. If the furnisher can not validate with original signed agreements and complete account history, this charge off must be deleted. 

XXXX XXXX  XXXX Charge Off High Balance : {$18000.00} Date Opened : XX/XX/XXXX This charge off severely misrepresents my creditworthiness. According to FCRA Section 609, I have the right to request validation of all account details including the original signed contract, payment history, and proof of lawful reporting. If XXXX XXXX can not provide this, reporting it violates FCRA 607 ( b ). Any unverified or inaccurate reporting must be removed to maintain accuracy under federal law. 

XXXX XXXX XXXX Late Payment High Balance : {$500.00} Date Opened : XX/XX/XXXX This account is reporting late payments, but these lates are not verifiable with proper documentation. The FCRA prohibits incomplete or unverifiable payment histories. Without proof of the actual delinquency from the original creditors records, this reporting constitutes a violation of my rights under Section XXXX. Misleading data of this nature unfairly lowers my score and must be corrected. 

XXXX XXXX XXXX XXXX XXXX : {$290.00} Date Opened : XX/XX/XXXX This account is reporting as a collection without validation. Under FDCPA 809 ( b ), upon dispute the collector must cease collection activity until proof is provided. Reporting to the bureau without validation is unlawful. If no contract and itemized statement exist, this tradeline must be deleted immediately. 

XXXX XXXX Collection High Balance : {$1200.00} Date Opened : XX/XX/XXXX This is another duplicate of the XXXX XXXX account, which violates the accuracy requirement under FCRA. Reporting the same debt multiple times inflates harm and misrepresents my true credit profile. Such misleading reporting must be corrected by deleting this account entirely. 

XXXX XXXX XXXX Collection High Balance : {$450.00} Date Opened : XX/XX/XXXX This is another Portfolio Recovery entry reporting inaccurately. Without validation under FDCPA Section 809 ( a ), this reporting can not remain. If the collector can not provide proof of ownership, original signed agreement, and itemized accounting, then this must be deleted under FCRA 611. 

XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me and no permissible purpose exists under FCRA Section 604. If XXXX XXXX can not provide signed proof of authorization, it must be deleted immediately as it violates my consumer rights. 

XXXX XXXX XXXX  XX/XX/XXXX I never authorized this inquiry, and under the Fair Credit Reporting Act, no business may pull a credit report without a legitimate purpose. Reporting this inquiry is misleading and must be deleted for violating FCRA 607 ( b ). 

XXXX XXXX XX/XX/XXXX This inquiry is unauthorized. Under FCRA, XXXX must prove I gave written consent. Without proof, this is a direct violation of my rights, and the inquiry must be removed from my report. 

XXXX XXXXXX/XX/XXXX This inquiry was reported without authorization. FCRA strictly prohibits the reporting of inquiries that can not be verified. If XXXX can not produce signed documentation, this inquiry must be deleted. 

This complaint is being filed because my repeated efforts to correct these issues directly with the credit reporting agency have failed. The listed items are clearly wrong and harmful. I trust CFPB to intervene, enforce the law, and ensure a fair resolution to restore the accuracy of my credit file.

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