Consumer complaint received 2025-07-25 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: MI

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint regarding multiple false, inaccurate, and unverifiable items being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. These inaccurate entries are harming my financial life and creating false impressions of my creditworthiness. 
I have attempted to resolve these issues with the credit bureaus and furnishers directly, but they have failed to investigate or provide proper validation. I now ask for CFPBs assistance in investigating and compelling deletion or correction of the following : XXXX XXXX XXXX XXXX, MI XXXX Issue : Wrong address linked to my credit file Law : FCRA 1681e ( b ) requires maximum possible accuracy of reported information Explanation : This address has been reported in connection with my credit profile despite the fact that I have never lived, worked, or authorized any financial activity at this location. Reporting this inaccurate address creates confusion, risks mistaken identity, and misleads creditors about my actual residence history. Such misinformation violates my rights under the FCRA because it impacts the accuracy of my credit report, potentially leading to wrongful credit denials or increased interest rates. I request immediate removal of this incorrect address to prevent further harm. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$810.00} Collection Issue : Unverified collection account reported inaccurately Law : FCRA 1681i ( a ) right to dispute and request validation of debt ; FDCPA 15 U.S.C. 1692g validation of debt requirements Explanation : This collection account is reported without providing proper validation or documentation that it is legitimately mine or that the amount is accurate. I have not received any validation notices as required by the FDCPA. Reporting unverified debt is unlawful under federal law and unfairly damages my credit score and reputation. Until valid proof is provided, this account is invalid and must be removed. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$380.00} Collection Issue : Collection account lacking verification Law : FCRA 1681i ( a ), FDCPA 1692g Explanation : I dispute this collection account as I have no knowledge or responsibility for this alleged debt. Under the FCRA, I have the right to demand proper verification. Furnishers who report without verifying violate federal law and damage my credit unfairly. Such inaccurate reporting creates misleading impressions to creditors and harms my financial future. Immediate removal is required if verification can not be provided. 
XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$370.00} Collection Issue : Unsubstantiated collection account Law : FCRA 1681i ( a ), FDCPA 1692g Explanation : This collection account has been reported without proper substantiation. I have never been contacted or provided validation of this debt. Reporting without validation violates my rights under the FCRA and FDCPA, causing unjust damage to my creditworthiness. Such unverified accounts must be removed until proper proof is furnished. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Credit : {$390.00} Collection Issue : Collection reported without validation Law : FCRA 1681i, FDCPA 1692g Explanation : This collection account is reported without sufficient proof that it is accurate or mine. I have not received any validation, which is required by law before negative reporting. Such reporting violates the FCRAs mandate for accuracy and fairness and causes unjust harm to my credit profile. Removal or correction is demanded. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$170.00} Collection Issue : Unvalidated collection account Law : FCRA 1681i, FDCPA 1692g Explanation : This collection account has been reported without any validation or proof. Under federal law, I have the right to dispute and receive proper verification. Reporting unverified debts is illegal and harms my credit unfairly. I request deletion unless validated immediately. 
Conclusion : The above entries represent ongoing violations of federal law. These items are damaging my credit report, affecting my ability to obtain housing, employment, and financial opportunities. I respectfully request that the CFPB investigate these items and enforce the correction or deletion of all inaccurate and unverified information. I am prepared to provide any additional documentation needed. 
Thank you for your time and for protecting the rights of consumers like me.

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