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: TX

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and unauthorized accounts and inquiries being reported on my credit file. These errors are causing significant harm to my credit reputation and financial standing. I have already attempted to resolve these issues directly with the credit reporting agencies and creditors but have not received satisfactory results. Therefore, I am requesting CFPBs assistance in ensuring that these violations are properly investigated and corrected. 

Below are the specific items in dispute : 1. Late Payment Accounts ( Incorrect Reporting ) These accounts are being falsely reported with late payment history. I have never made any late payments to these creditors, and the reporting of delinquency is entirely inaccurate. 

XXXX XXXX XXXX Account # XXXXXXXX XXXX ( High Balance : {$110000.00} | Opened : XX/XX/XXXX ) XXXX XXXXXXXX Account # XXXXXXXX XXXX ( High Balance : {$9800.00} | Opened : XX/XX/XXXX ) XXXX XXXXXXXX Account # XXXXXXXX XXXX ( High Balance : {$4900.00} | Opened : XX/XX/XXXX ) XXXX  XXXX Account # XXXXXXXX XXXX  ( High Balance : {$5200.00} | Opened : XX/XX/XXXX ) XXXX  XXXX Account # XXXXXXXX XXXX ( High Balance : {$2500.00} | Opened : XX/XX/XXXX ) XXXX XXXX  Account # XXXXXXXX XXXX ( High Balance : {$3300.00} | Opened : XX/XX/XXXXXXXX  ) I dispute these reports as inaccurate. The payment history should be corrected immediately to reflect a perfect payment record, as no late or missed payments have ever occurred. 

2. Charge-Off and Collection Accounts ( No Knowledge or Authorization ) I have no knowledge of or relationship with these accounts. They appear to have been reported in error or potentially as the result of identity theft. 

XXXX XXXX XXXX Account # XXXXXXXX XXXX ( High Balance : {$5200.00} | Opened : XX/XX/XXXX ) XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX ( Opened : XX/XX/XXXX ) XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX ( Opened : XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( High Balance : {$200.00} | Opened : XX/XX/XXXXXXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX ( High Balance : {$170.00} | Opened : XX/XX/XXXXXXXX  ) These accounts are not mine, and I request that they be thoroughly investigated and permanently deleted from my credit reports due to lack of authorization or verifiable proof of ownership. 

3. Unauthorized Inquiries The following hard inquiries were made without my authorization or consent. These inquiries are harming my credit and must be removed immediately.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never applied for credit or gave consent for these entities to access my credit file. These inquiries should be deleted under the Fair Credit Reporting Act ( FCRA ) Section 604. 

Requested Action I respectfully request that the CFPB : Conduct a full investigation into these reporting errors.

Require the credit bureaus ( XXXX, XXXX, and TransUnion ) to provide verification documentation for each account and inquiry listed above. 

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

Ensure that corrected reports are sent to all credit reporting agencies and creditors involved. 

These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) 602, 607, and 611, which require accurate, verifiable, and fair reporting of consumer credit information.

I request a written response detailing the results of this investigation and confirmation that the disputed accounts and inquiries have been corrected or deleted. 

Thank you for your prompt attention to this serious matter.

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