Consumer complaint received 2025-10-13 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 formal complaint regarding multiple inaccurate, unverifiable, and damaging entries currently being reported on my credit file. These errors are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), Sections 602 ( A ), 604, 607 ( B ), 609, and 611, as well as the Fair Debt Collection Practices Act ( FDCPA ).

The following accounts and information are either inaccurate, outdated, or unverified and must be investigated and removed immediately : XXXX. Wrong / Inaccurate Addresses Reported XXXX XXXX XXXX, XXXX, TX XXXX Wrong Address XXXX Regalshire, XXXX, TX XXXX Wrong Address XXXX XXXX Way, XXXX, TX XXXX Wrong Address I have never lived at or been associated with these addresses, and their inclusion violates FCRA 607 ( b ) which requires accurate reporting. 

XXXX. Erroneous Charge-Off Accounts XXXX XXXX XXXX | High Balance : {$1000.00} | Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXX | High Balance : {$800.00} | Opened : XX/XX/XXXX Charge Off WORLD FIN XXXX | High Balance : {$750.00} | Opened : XX/XX/XXXX Charge Off XXXX XXXX | High Balance : {$200.00} | Opened : XX/XX/XXXX Charge Off CENTERPOINT XXXX | High Balance : {$0.00} | Opened : XX/XX/XXXX Charge Off Several of these accounts are duplicate entries, inaccurately reported, or unverifiable. Under FCRA XXXX, furnishers are required to verify information or remove it if unverifiable. 

XXXX. Late Payments Reported ( Disputed ) XXXX FIN XXXX | {$23000.00} | Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXXXXXX | {$29000.00} | Opened : XX/XX/XXXX Late Payment These alleged late payments are not accurate and not supported by proper documentation. Reporting unverifiable late payments is harmful, misleading, and in violation of FCRA 602 ( A ). 

XXXX. Collection Accounts ( Unverified & Harmful ) XXXX XXXX | {$2000.00} | Opened : XX/XX/XXXX Collection XXXX XXXX INT XXXX | {$9400.00} | Opened : XX/XX/XXXX Collection XXXXXXXX XXXX XXXX | {$650.00} | Opened : XX/XX/XXXX Collection Under FDCPA 809 ( a ), debt XXXX must provide full validation of alleged debts. To date, no such validation has been provided. Until verified, these accounts must be deleted. 

XXXX. Improper / XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX Inquiry REGIONALAC | XX/XX/XXXX Inquiry I did not authorize these inquiries. Under FCRA 604 ( a ), any inquiry without my written consent is illegal and must be removed immediately. 

Requested XXXX I am demanding that CFPB take immediate steps to ensure : Full investigation of each disputed item. 

Removal of all unverifiable, inaccurate, or unauthorized entries. 

XXXX documents from furnishers and XXXX proving the accuracy and ownership of each account, as required by law. 

Written confirmation of all corrections made. 

These inaccurate and harmful items have caused me significant financial and personal hardship, including denial of credit opportunities and higher interest rates. I expect the CFPB to enforce my rights under the FCRA and FDCPA to ensure fair and accurate 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