Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) for ongoing violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) by multiple furnishers and credit reporting agencies.

Each account and inquiry listed below contains inaccurate, unverifiable, conflicting, or obsolete information in direct violation of federal law. I am requesting immediate and permanent deletion of these items under 1681i ( a ) ( 5 ) and 1681e ( b ) not correction, reinvestigation, or reinsertion.

Section 1 Inaccurate or Unverifiable Accounts XXXX XXXX XXXX XXXX XXXX XXXX 
Violation : Duplicate entries across multiple bureaus, missing signed contract or ownership documentation, inconsistent balances and statuses. 
Legal Basis : 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) Action Requested : Permanent deletion due to conflicting and unverifiable data. 
XXXX. XXXX XXXX XXXX Violation : Reports missed payments without proof of contract or ownership ; no permissible purpose documentation. 
Legal Basis : 1681b ( f ), 1681s-2 ( b ), 1681i ( a ) ( 5 ) Action Requested : Permanent deletion for unverifiable data and lack of permissible purpose. 
XXXX. XXXX XXXX Violation : Simultaneous reporting of closed, charged off, and XXXX missed payments; conflicting dates and balances. 
Legal Basis : 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( B ), 1681i ( a ) ( 5 ) Action Requested : Permanent deletion due to contradictory and unverifiable reporting. 
XXXX. XXXX XXXX XXXX XXXX XXXX : Shows XXXX days late with {$0.00} balance and closed status ; missing proof of delinquency and authorization. 
Legal Basis : 1681s-2 ( a ) ( 1 ) ( A ), 1681e ( b ), 1681c ( a ) Action Requested : Permanent deletion for inaccurate and unverifiable information. 
XXXX. XXXX XXXX XXXX XXXX : Missing Date of First Delinquency ( DOFD ) ; no proof of contract or ownership. 
Legal Basis : 1681c ( a ) ( 4 ), 623 ( a ) ( 7 ), 1681i ( a ) ( 5 ) Action Requested : Permanent deletion for noncompliance with federal reporting requirements. 
XXXX. XXXX XXXX XXXX XXXX : Reports collection account without validation of ownership or original creditor details ; no notice of transfer or consumer authorization. 
Legal Basis : 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( a ) ( 7 ), 1681i ( a ) ( 5 ) Action Requested : Permanent deletion for unverifiable debt ownership and reporting. 
XXXX. XXXX XXXX XXXX XXXX Violation : Reports with no documentation linking account to consumer ; missing original creditor, XXXX, and accurate payment data. 
Legal Basis : 1681e ( b ), 1681i ( a ) ( 5 ), 1681s-2 ( b ) Action Requested : Permanent deletion for unverifiable reporting and incomplete data. 
XXXX. XXXX XXXX XXXX ( {$510.00} ) Violation : Duplicate and conflicting entries for the same debt ; no proof of contract or ownership. 
Legal Basis : 1681e ( b ), 1681i ( a ) ( 5 ) ( A ), 1681s-2 ( a ) ( 1 ) ( A ) Action Requested : Permanent deletion for duplication and unverifiable data. 
XXXX. XXXX XXXX XXXX ( {$760.00}, Opened XX/XX/XXXX ) Violation : Account reported as new without proof of original debt ownership or transfer documentation ; missing DOFD ; balance appears fabricated. 
Legal Basis : 1681s-2 ( a ) ( 1 ) ( A ), 1681e ( b ), 1681i ( a ) ( 5 ) ( A ), 1681s-2 ( a ) ( 7 ) Action Requested : Immediate and permanent deletion due to unverifiable ownership, false reporting, and noncompliance with federal validation requirements. 

Section 2 Unauthorized Hard Inquiries The following hard inquiries were made without my knowledge or consent, violating 1681b ( f ) and 1681c-2 : 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 Action Requested : Immediate and permanent removal of all unauthorized inquiries.

Section 3 Grounds for Deletion ( Not Reinserted ) 1681i ( a ) ( 5 ) ( A ) : Unverifiable data must be permanently deleted, not corrected.

1681i ( a ) ( 5 ) ( B ) : Reinsertion is prohibited without full documentation and certification.

1681e ( b ) : Conflicting or duplicate reporting violates maximum accuracy standards.

1681b ( f ) : Unauthorized inquiries are unlawful and must be deleted.

1681c ( a ) : Obsolete accounts must not be reported.

1681s-2 ( a ) ( 7 ) : Failure to provide transfer notice invalidates reporting authority.

1681n & 1681o : Liability exists for continued inaccurate or unverifiable reporting.

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