Consumer complaint received 2025-09-22 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:
I am filing this complaint with the Consumer Financial Protection Bureau because my credit report is showing inaccurate, incomplete, and misleading information that is harming my credit profile, violating my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws. I have tried to resolve this matter directly with the credit bureaus and furnishers but my previous disputes have not been handled properly, and they have failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i. The continued reporting of these accounts and inaccurate information is causing me emotional distress, financial harm, and denial of credit opportunities, and I am requesting CFPBs intervention to have these accounts investigated and corrected or permanently deleted from my credit report. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address This address is incorrect and never associated with me in any legal, residential, or financial capacity. Reporting this address violates FCRA 607 ( b ) because it is not accurate or complete and creates the false impression that I have lived here when I have not. I have never used this address for employment, credit applications, or identification, so its presence is misleading and harmful. This wrong address could cause me to be associated with accounts, debts, or public records that are not mine, leading to identity confusion. Continued reporting after my prior disputes shows a failure of reasonable procedures required under the FCRA. I am again demanding deletion to ensure maximum possible accuracy and protect my identity from fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address This is another incorrect address that must be removed. The FCRA requires consumer reporting agencies to report only information that is verifiable and pertains to the correct consumer. I have never lived at this address nor authorized its use in any credit or public record context. Leaving this on my file may cause misattribution of debts or judgments to me, which is a violation of my rights under 15 U.S.C. 1681e ( b ). I am requesting reinvestigation with proof of residency such as a signed lease or utility bill, and if such documentation does not exist, this address must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is reporting a late payment that is not accurate, complete, or verifiable. Under FCRA 607 ( b ) you must maintain maximum possible accuracy and under 611 ( a ) you must conduct a reasonable reinvestigation when a consumer disputes information. I have never been provided with any original signed record, statement, or payment history proving that I was actually late. Reporting a late payment without furnishing this proof violates my rights under FCRA and causes direct harm to my credit standing. Because this account reports a {$0.00} balance, there is no logical reason to continue showing a delinquency that is not supported by evidence. This negative item is reducing my credit score, causing higher interest rates, and limiting my ability to obtain fair credit terms. FCRA 609 also grants me the right to know the method of verification, which you have failed to provide in prior responses. I am requesting either full documentation, including original creditor confirmation of delinquency, or immediate deletion. Failure to comply will be considered willful noncompliance under FCRA 616 and negligent violation under 617, and I am prepared to escalate this matter to the CFPB, FTC, and take legal action if necessary. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4400.00} Collection * * This collection account is being reported without proper validation or proof of ownership. I have never received a debt validation notice as required under the FDCPA 809, and therefore this account can not be legally collected or reported. FCRA 611 requires a reasonable reinvestigation and proper verification from the furnisher, which must include a signed agreement, full account history, and proof that this debt belongs to me. If you can not provide these documents, this account must be deleted immediately to maintain maximum possible accuracy under FCRA 607 ( b ). Reporting unverifiable collections creates a false and damaging credit history that interferes with my ability to secure housing, employment, and fair credit terms. I have disputed this multiple times and you have not provided the method of verification as required under FCRA 609 ( a ). This continued reporting after dispute constitutes willful noncompliance and negligent harm under 616 and 617 of the FCRA. If you do not remove this collection, I will escalate to the CFPB and consider pursuing damages for continued harm, including emotional distress and financial losses caused by this false report. 

XXXX XXXX Reported XX/XX/XXXX This account is reporting inaccurately and harming my credit profile. The information being reported is inconsistent with my records and can not be verified. Under FCRA 609, I have the right to see the method of verification used and request original signed documentation, which has not been provided in the prior two investigations. The continued reporting of this account without proper verification is a violation of FCRA 611, which requires a reasonable reinvestigation. The Fair Debt Collection Practices Act ( FDCPA ) 807 prohibits any false or misleading representation, and reporting this account without proof of its validity is misleading to future creditors and lenders. The balance, date, and status being reported appear inaccurate and incomplete. I never received proper notice or validation as required by law, and the burden of proof is on the furnisher to provide this information. I dispute this account in its entirety and demand its deletion from my credit report as it can not be verified with proper documentation. Failure to remove or correct this inaccurate information is a direct violation of my consumer protection rights under federal law. 

XXXX Reported XX/XX/XXXX The XXXX account is being reported with inaccurate and unverifiable information. According to FCRA 607 ( b ), consumer reporting agencies must assure maximum possible accuracy, which has not been done here. The reporting history is damaging my credit unfairly and does not reflect a complete and accurate picture of my payment history. I never received the original signed contract nor any validation of this debt despite requesting it in prior rounds. The reporting dates and balances appear to have been re-aged, which is a violation of FCRA 623 ( a ) ( 5 ). Reporting unverifiable information after a consumer dispute is considered willful noncompliance under FCRA 616 and 617, which can result in civil liability. I am requesting the complete deletion of this account unless the furnisher can produce full documentation proving its accuracy. Continuing to report this account without verification is reckless and in violation of my rights. 

XXXX XXXX Reported XX/XX/XXXX This account is being reported with significant inaccuracies that are misleading and unlawful. The FCRA requires credit reporting agencies to correct or delete information that can not be verified after a dispute, yet this account remains unchanged after prior disputes. The payment history and balance are being reported in a way that does not match the actual account status, which constitutes inaccurate reporting under FCRA 607 ( b ). The failure to conduct a proper reinvestigation violates FCRA 611, as a reasonable investigation would require the furnisher to provide original documentation, not just automated data responses. Continuing to publish this account without verification is considered defamation of character and reckless disregard of truth. I am demanding deletion unless this information can be proven accurate with documented evidence. 

XXXX XXXX  Reported XX/XX/XXXX The reporting of this account is incomplete, inaccurate, and harmful. Under FCRA 611, you are required to reinvestigate disputed information and provide the consumer with a description of the procedure used to verify the account, which has not been properly provided in my prior disputes. The current reporting suggests negative payment history that I dispute as incorrect. The date of first delinquency is not reported accurately, which is a violation of FCRA 623 ( a ) ( 5 ). Reporting unverifiable information after a consumer disputes it is a willful violation and subjects the credit bureau and furnisher to liability under FCRA 616 and 617. I request that this account be completely deleted from my credit file if it can not be verified with original documentation. 

XXXX Reported XX/XX/XXXX This account is being reported with discrepancies in balance, dates, and payment history that are damaging my creditworthiness. According to FCRA 607 ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information reported, which has not been done in this case. The prior two investigations failed to provide the method of verification as required under FCRA 611 ( a ) ( 7 ). I never received proper notice or validation from the furnisher, which is my right under the FDCPA 809. The continued reporting of this unverified account is reckless and unlawful. I am requesting immediate deletion of this account unless it can be verified with full documentation.

I request CFPB to ensure all these accounts are thoroughly investigated in compliance with FCRA 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ), and if the furnishers and credit bureaus can not provide verifiable documentation proving the accuracy of the reporting, they must delete these accounts and late payments from my credit profile. Continued inaccurate reporting is a violation of federal law and must be addressed immediately.

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