Consumer complaint received 2025-11-10 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: GA

Complaint narrative:
I am filing this formal complaint against the credit bureaus and the following furnishers for serious and ongoing violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The information being reported about me is inaccurate, incomplete, and misleading, and I have made multiple attempts to correct these errors without success. The entities listed below have failed to ensure accurate, verifiable, and complete reporting as required by federal law, and their actions have caused me harm, emotional distress, and financial injury. 

XXXX XXXX XXXX XXXX, GA XXXX This address is being reported in error and has never been associated with me. Reporting a false address violates FCRA 607 ( b ), which requires credit bureaus to maintain accurate and up-to-date records. This false information creates confusion in the verification process and must be removed to prevent further damage. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address does not belong to me and was never used for any application or residency. Under FCRA 602A and 611 ( a ), you are obligated to ensure that no unverifiable address remains in my file. Failure to remove this false information continues to violate my rights and misrepresents my identity. 

XXXXXXXX XXXX XXXX XXXX Charge Off High Balance : {$290000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  This account is being reported inaccurately as a charge off without proper verification of ownership or account records. Under FCRA 611 ( a ) ( 1 ) ( A ), all data furnishers must provide certified documentation to prove validity, which has not been done. Reporting unverifiable debt constitutes a direct violation of FCRA 607 ( b ) and FDCPA 807 ( 8 ). 

XXXX XXXX XXXX Charge Off High Balance : {$520.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  The reported charge off is inaccurate as no valid documentation or signed agreement proving liability has been provided. Reporting an account without substantiated records breaches FCRA 611 ( a ) ( 5 ) ( A ) and FDCPA 809 ( b ), which require written validation prior to continued reporting. 

XXXX XXXX XXXXXXXX XXXX Late Payment High Balance : {$5400.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  This account reflects false late payment entries. According to FCRA 607 ( b ), bureaus must ensure accuracy and correct data errors. XXXX has failed to provide valid payment history or proof of delinquency, violating FCRA 611 ( a ) and FDCPA 807 ( 2 ) ( A ). 

XXXX XXXX XXXX  Charge Off High Balance : {$60000.00} Date Opened : XX/XX/XXXX * * This account has been reported as a charge off without verification of my consent or contractual agreement. Continued reporting without proof of ownership breaches FCRA 611 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 8 ). Such negligent reporting has caused measurable credit damage. 

XXXX XXXX XXXX Late Payment High Balance : {$10000.00} Date Opened : XX/XX/XXXXXXXX XXXX This late payment notation is unverified and inaccurate. Under FCRA 607 ( b ), data furnishers must maintain accuracy, and the failure to prove delinquency violates FCRA 611 ( a ). The report must be corrected or deleted immediately. 

XXXX XXXX XXXX Late Payment High Balance : {$19000.00} Date Opened : XX/XX/XXXXXXXX XXXX  This account is duplicated and reported with false payment history. Duplicating an account or reporting inconsistent data violates FCRA 607 ( b ) and 611 ( a ). This entry should be immediately deleted or verified through authentic records. 

XXXX  XXXXXXXX XXXX  Late Payment High Balance : {$25000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX The payment history reported is inaccurate and unverifiable. Under FCRA 611 ( a ) and FDCPA 807 ( 8 ), you can not continue to report information that has not been validated. I request immediate deletion if accurate records can not be produced. 

XXXX XXXX XXXX XXXXXXXX Late Payment High Balance : {$710.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  This entry falsely reflects late payments that were never made. According to FCRA 602A and 607 ( b ), accuracy must be ensured at all times. Continued reporting of false data without validation violates federal compliance standards. 

XXXX XXXX XXXX XXXX XXXX Charge Off High Balance : {$31000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  This charge off is being reported without documentation proving liability. Failure to validate debt while continuing to report constitutes a direct violation of FCRA 611 ( a ) and FDCPA 809 ( b ). The account must be deleted immediately. 

XXXX XXXX XXXXXXXX Collection High Balance : {$780.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  This collection account has not been validated with any signed agreement or original creditor documentation. Under FDCPA 809 ( b ) and FCRA 611 ( a ), you are required to verify ownership before reporting. Continued reporting violates these statutes. 

XXXX XXXX XXXXXXXX XXXX Collection High Balance : {$1700.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This account was reported without proper validation or original documentation linking me to the alleged debt. Reporting unverifiable information violates FCRA 607 ( b ), 611 ( a ), and FDCPA 807 ( 8 ). Immediate deletion is required. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry was unauthorized and made without my consent. Under FCRA 604 ( a ) ( 2 ), no entity may access a consumers file without permissible purpose. This inquiry must be removed immediately. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry was made without authorization or any permissible reason. Continuing to list unauthorized inquiries violates FCRA 604 ( a ) ( 3 ) and must be deleted. 

CB INDIGO XX/XX/XXXX This inquiry was conducted without a permissible purpose or consent, in violation of FCRA 604 ( a ) ( 2 ). I demand its immediate removal. 

XXXX XX/XX/XXXX This unauthorized inquiry violates FCRA 604 ( a ) ( 3 ), as no application or consent was provided. It must be deleted from my report immediately.

I am requesting that the Consumer Financial Protection Bureau conduct a full investigation into these matters and compel the responsible parties to delete the false address, remove the inaccurate charge-off account, and permanently remove the unauthorized inquiry from my credit report. I also request confirmation that appropriate corrective action has been taken in compliance with the FCRA and FDCPA. These violations have caused significant personal and financial harm, and I seek immediate redress.

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