Consumer complaint received 2025-11-18 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 filing this complaint because multiple inaccurate, unverified, duplicate, and unauthorized items are being reported on my credit report by the credit bureaus and several data furnishers. These accounts and inquiries do not belong to me, were never authorized by me, were never validated, and are being reported in violation of FCRA 15 USC 1681i, 1681e ( b ), 1681s-2, and FCRA 604. I have attempted to dispute these items with the bureaus, but they continue to appear without any proper investigation or documentation. These inaccurate items are severely damaging my credit, preventing me from obtaining housing, transportation, and financial stability. 
XXXX XXXXXX/XX/XXXXXXXX WRONG ADDRESS This address does not belong to me and has never been part of my residential history. Reporting a false address creates identity confusion. Remove immediately under FCRA 609 ( a ) and 611.

ACCOUNTS BEING DISPUTED FOR INACCURACIES, NO VERIFICATION, WRONG REPORTING, AND INVALID DATA ( All issues are explained directly under each account as you requested. ) XXXX XXXX AccountXX/XX/XXXXCHARGE-OFF High Balance {$590.00} Date Opened XX/XX/XXXXXX/XX/XXXX I have no knowledge of this charge-off. The creditor has never provided legal verification or contractual proof with my signature. Reporting is inaccurate and violates FCRA 609 & 611. Delete. 
XXXXXX/XX/XXXX Account XX/XX/XXXXCHARGE-OFF High Balance {$990.00} Date Opened XX/XX/XXXXXX/XX/XXXXThis account does not match my records. The balance and dates are inconsistent with any account I have ever opened. This appears to be a mixed file. Delete immediately. 
XXXXXX/XX/XXXXXXXX Account XX/XX/XXXX CHARGE-OFF High Balance {$460.00} Date Opened XX/XX/XXXXXX/XX/XXXXThis account is unverifiable. No signed agreement has ever been provided. Under FCRA 611 ( a ) ( 5 ), unverifiable information must be removed. 
XXXX Account XX/XX/XXXX CHARGE-OFF High Balance {$630.00} Date Opened XX/XX/XXXXXX/XX/XXXXI dispute the accuracy of this account. The reporting dates appear manipulated and do not align with my credit history. I demand deletion. 
XX/XX/XXXXAccount XX/XX/XXXXCHARGE-OFF High Balance {$750.00} Date Opened XX/XX/XXXXXX/XX/XXXX This account can not be verified. The reporting furnisher has failed to validate under XXXX. Remove immediately. 
XX/XX/XXXX AccountXX/XX/XXXXCHARGE-OFF High Balance {$0.00} Date Opened XX/XX/XXXXXX/XX/XXXX A charge-off with a XXXX balance is logically and legally inconsistent. This is an obvious reporting error. Delete. 
XX/XX/XXXX AccountXX/XX/XXXXXXXX CHARGE-OFF High Balance {$2600.00} Date Opened XX/XX/XXXXXX/XX/XXXX I have no knowledge of this debt. No documentation has been provided. This is inaccurate and harmful. Remove. 
XX/XX/XXXX Account XX/XX/XXXXCHARGE-OFF High Balance {$8200.00} Date Opened XX/XX/XXXXXX/XX/XXXXThis account contains multiple inconsistencies in reported balance, delinquency dates, and status. Creditor has failed to validate. Delete. 
XX/XX/XXXXAccountXX/XX/XXXX LATE PAYMENT High Balance {$940.00} Date Opened XX/XX/XXXXXX/XX/XXXX I never made any late payments on this account. The reporting is false and violates FCRA 607 ( b ). Correct the payment history immediately. 
XXXX XXXX Account XX/XX/XXXXCHARGE-OFF High Balance {$18000.00} Date Opened XX/XX/XXXXXX/XX/XXXX This account is inaccurately reported. The dates and balance appear altered. Verification has not been provided. Remove. 
XX/XX/XXXX AccountXX/XX/XXXXCHARGE-OFF High Balance {$3300.00} Date Opened XX/XX/XXXX * * I dispute the validity of this account. No proof has ever been given. Delete under 611. 
XXXXXX/XX/XXXXAccount XX/XX/XXXXLATE PAYMENT High Balance {$24000.00} Date Opened XX/XX/XXXX * * These late payments are wrong and do not reflect my payment history. I never missed or paid late. Correct immediately under FCRA 607 ( b ). 
XX/XX/XXXX AccountXX/XX/XXXX High Balance {$720.00} Date Opened XX/XX/XXXXXX/XX/XXXX This is a duplicate of XXXXXX/XX/XXXXwith the same balance and same issue. Duplicate reporting is a direct violation of FCRA. Delete immediately. 
XXXX AccountXX/XX/XXXX High Balance {$630.00} Date Opened XX/XX/XXXX * * I have no knowledge of this account. No validation or proof has ever been provided. Remove immediately under FCRA 611. 
XXXX XXXX XXXX Account XX/XX/XXXX High Balance {$61.00} Date Opened XX/XX/XXXX * * This account is unfamiliar and unverified. Such a small balance with no communication or validation is suspicious and inaccurate. Delete. 
XXXXXX/XX/XXXXAccount XX/XX/XXXXHigh Balance {$630.00} Date Opened XX/XX/XXXX * * I do not recognize this debt. XXXX has not provided validation. XXXX is known for purchasing old or incorrect data. Delete immediately. 
XXXXXX/XX/XXXXAccount XX/XX/XXXX High Balance {$480.00} Date Opened XX/XX/XXXXXX/XX/XXXXDuplicate of another XXXX entry with slight date manipulation. This is clear evidence of inaccurate and unreliable reporting. Remove. 
XXXX XXXX Account XX/XX/XXXX High Balance {$460.00} Date Opened XX/XX/XXXX * * I have no knowledge of this account and never received any notice or validation. Reporting without validation violates FDCPA 809. Delete immediately. 
XXXX Account XX/XX/XXXX High Balance {$2900.00} Date Opened XX/XX/XXXX * * This is a duplicate of the first XXXX XXXX account with same balance and same account number. Duplicate, inaccurate, and unverified. Remove immediately. 
XXXX AccountXX/XX/XXXX High Balance {$2000.00} Date Opened XX/XX/XXXXXX/XX/XXXX I do not recognize this account. XXXX XXXX has not provided any validation or proof. This account is unverified and must be deleted. 
XXXX Account XX/XX/XXXX High Balance {$5500.00} Date Opened XX/XX/XXXX * * Unknown account, no notice ever received, no validation provided. The balance appears inflated and inaccurate. Remove immediately. 
XXXX Account XX/XX/XXXXHigh Balance {$720.00} Date Opened XX/XX/XXXX * * I have no knowledge of this debt. This is likely a mixed-file or incorrect assignment. Reporting violates FCRA 607 ( b ). Delete. 
XXXX Account XX/XX/XXXX High Balance {$840.00} Date Opened XX/XX/XXXX * * Another unknown XXXX XXXX account. No validation, no documentation. Possible duplicate or fabricated reporting. Remove immediately. 
UNAUTHORIZED & INACCURATE HARD INQUIRIES ( These were not authorized by me. Many are duplicates, suspicious, or have no permissible purpose, which violates FCRA 604. ) XXXX XXXX XXXX XX/XX/XXXX Unknown inquiry. No permissible purpose. Delete immediately. 
XXXX XXXX XX/XX/XXXX Unauthorized. No application or consent provided. Remove. 
XXXX XXXX XX/XX/XXXX Duplicate unauthorized inquiry. This is proof of inaccurate reporting. Delete. 
XXXX XXXX XXXX XX/XX/XXXX Unknown inquiry. Never applied. Remove. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry. I did not grant permission. Delete. 
XXXX XXXX XXXX XX/XX/XXXX Unauthorized. No consent given. Remove. 
XXXX XXXX XX/XX/XXXX I did not authorize this inquiry and never applied. Remove. 
XXXX XXXX XX/XX/XXXX Unauthorized. I did not submit any application to this lender. Remove immediately. 
WHAT I AM REQUESTING I am requesting the CFPB to force the credit bureaus and the furnishers to provide full validation and documentation for each of these accounts and inquiries. If they can not provide legal and verifiable proof, I am requesting that all the listed items be permanently deleted from my credit file. I need this corrected immediately because these errors are blocking me from obtaining essential credit and causing personal and financial harm.

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