Consumer complaint received 2025-10-08 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: MA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies on my credit report that have caused significant harm to my credit profile, financial opportunities, and personal wellbeing. I demand a thorough reinvestigation under the Fair Credit Reporting Act ( FCRA ) and related federal consumer protection laws, as these inaccuracies represent violations of my rights to accurate credit reporting and dispute resolution. I expect CFPB oversight to ensure that all errors are corrected and that responsible reporting practices are enforced. 

ADDRESS XXXX XXXX XXXX XXXX XXXX This address is being reported incorrectly and does not match my verified residence history. The continued appearance of this address implies inaccurate residency information and may link me to accounts or inquiries not authorized by me. The FCRA 607 ( b ) clearly mandates consumer reporting agencies to assure maximum possible accuracy. Maintaining this address without verified proof of its legitimacy represents negligence under 616 and 617. You are legally obligated to verify this address with acceptable documentation such as a lease, utility bill, or government ID. If such evidence does not exist, it must be deleted immediately. The presence of this address misrepresents my identity, creates confusion for creditors, and contributes to inaccurate matching of unrelated accounts. The bureaus duty under 611 ( a ) is to reinvestigate disputed information promptly, yet this entry continues to appear despite being unverified. This type of reporting also violates 602 ( a ) ( 1 ), which establishes that consumer credit information should reflect truth and accuracy. I am requesting immediate reinvestigation, written documentation of your verification source, and complete deletion of this address if no lawful documentation can confirm its validity. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$2900.00} ( Late Payment ) * * This account is being inaccurately reported with alleged late payments that have no verified proof. The FCRA 611 ( a ) and 609 ( a ) ( 1 ) ( A ) require that consumer reporting agencies provide complete and accurate documentation for any information retained in a consumer file. I have never received any billing statement or written notification substantiating the alleged delinquency, and therefore this reporting is unverified. Reporting unverified late payments violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. Additionally, 602 ( a ) ( 6 ) mandates fairness and impartiality in the collection and dissemination of credit information, yet this record demonstrates negligence. Late payments are serious derogatory marks that affect my ability to obtain fair credit, housing, and employment. The continued reporting of false delinquency data is a direct violation of 607 ( b ) and represents willful noncompliance under 616. I request that you immediately conduct a reinvestigation, verify with original source documents, and delete the account if proper validation can not be provided. Each bureau is required by law to maintain documentation supporting every item reported. If the creditor can not provide original proof such as signed payment records or correspondence, this late payment must be deleted. Any reinsertion of inaccurate data without proper notice would also violate 611 ( a ) ( 5 ) ( B ). 

ACCOUNT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} ( Charge-Off ) * * This charge-off is completely inconsistent and inaccurate as it reports a XXXX balance yet remains marked as a charge-off. According to FCRA 607 ( b ), the credit bureau must ensure maximum possible accuracy, and such contradictory information fails that legal standard. Under 611 ( a ), you must reinvestigate and verify all data furnished by creditors. A charge-off can not legally exist with a XXXX balance unless proven by verified payment records, which I have never received. This report appears to be either outdated or a result of data mishandling. The continued reporting of such information creates a misleading representation of my financial standing, violating 623 ( a ) ( 2 ), which obligates furnishers to correct and update inaccurate information. It is your duty to remove any unverifiable, inconsistent, or obsolete account immediately. The FCRA 602 ( a ) ( 8 ) protects consumers from unfair reporting practices that cause undue harm. This entry has damaged my credit profile and caused financial distress. I demand full reinvestigation and deletion of this charge-off within the lawful XXXX period. If you can not provide clear documentation verifying the origin, charge-off status, and date of last payment, this account must be removed. Continued failure to comply will constitute willful violation under 616 and may warrant a formal complaint with the CFPB. 

ACCOUNT : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150.00} ( Collection ) XXXX XXXX  This collection account is disputed as inaccurate, unverified, and unauthorized. I have never received any debt validation from XXXX or any third-party collection agency. Under the FCRA 609 ( a ) ( 1 ) ( A ) and the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I have the legal right to request full validation of any alleged debt. You are required to verify the source of this collection, the original creditor, the amount claimed, and the lawful basis for reporting. No such documentation has been provided, meaning this debt remains unverified and must be deleted. Continuing to report this account without validation violates 623 ( a ) ( 1 ) ( A ) of the FCRA and 807 ( 8 ) of the FDCPA. The reporting of unverifiable or unvalidated information damages my consumer rights and misleads future creditors. Additionally, the account lacks date accuracy and balance verification, violating 607 ( b ). I am requesting that this collection be deleted from my credit file immediately unless fully verified through original documentation from the creditor. The failure to verify, correct, or delete false information within the time frame set by 611 ( a ) will be considered noncompliance and reported to the Consumer Financial Protection Bureau for enforcement. You are reminded that the burden of proof lies with the furnisher and the bureau, not the consumer, under federal law. 

INQUIRY : XXXX DC XX/XX/XXXX This inquiry was not authorized and therefore constitutes an unlawful access to my credit file. The FCRA 604 ( a ) ( 2 ) states that credit inquiries must only occur with permissible purpose and explicit consumer authorization. I did not authorize XXXX XXXX or any affiliated entity to access my credit report. This inquiry represents a violation of my privacy rights under 604 ( a ) ( 3 ) and creates an unnecessary negative impact on my creditworthiness. The bureau is required to maintain documentation showing when, why, and by whom the inquiry was made. If such proof can not be produced, the inquiry must be deleted immediately. Continued reporting of unauthorized inquiries constitutes willful noncompliance under 616 and negligence under 617. I demand that you remove this inquiry, confirm its deletion in writing, and ensure that no other inquiries are posted without my written consent. Under 609 ( a ) ( 1 ) ( A ), I am entitled to full disclosure of the information in my file, including all parties that have accessed it. Please provide complete documentation identifying the requesting party and the purpose of the inquiry. If no permissible purpose exists, immediate deletion is required. 

I formally request CFPB intervention to enforce compliance with FCRA and ensure all inaccurate late payments and unauthorized inquiries are corrected immediately. I am entitled to accurate credit reporting, and the continued presence of these errors constitutes a violation of federal law and harms my financial well-being. I expect CFPB oversight to guarantee that all errors are removed, responsible parties are held accountable, and my consumer rights are fully protected.

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