Consumer complaint received 2025-08-16 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 submitting this formal complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies, unauthorized items, and reporting violations on my consumer credit report. These items are causing significant harm to my creditworthiness, financial opportunities, and overall reputation. I am requesting a thorough investigation, deletion of all inaccurate data, and immediate compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable laws. The credit bureaus and furnishers are legally obligated to ensure the maximum possible accuracy of the information they report, yet these items remain despite prior disputes and clear evidence of inaccuracy, non-verification, or improper reporting. Below I am listing each disputed item with specific legal violations and supporting explanation for removal. 
ADDRESSES XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Law : FCRA 602A, 607 ( b ) Requires maximum possible accuracy in consumer reports Issue : This address is not mine and has never been associated with me Story : I have never lived or received mail at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Including it creates a false link in my credit file, increasing my risk for mixed file errors and identity fraud XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Law : FCRA 602A, 607 ( b ) Accuracy requirement for consumer files Issue : This address is false and unrelated to me Story : I have never resided at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. This is inaccurate reporting, and the bureau must remove it to maintain the integrity of my credit file ACCOUNTS XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$460.00} Law : FCRA 602A, 607 ( b ), 611 ( a ) Issue : Late payment history reported incorrectly Story : Records show that all payments for this account were submitted within the required timeframe, yet my report lists late payments in months where no delinquency occurred. This false information from XX/XX/XXXX to present is causing score damage and must be corrected immediately XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$570.00} Law : FCRA 607 ( b ), 611 ( a ) Issue : Inaccurate delinquency reporting Story : The account shows 30-day late marks for multiple months despite evidence of timely online payments through my bank. These inaccuracies since XX/XX/XXXX are harming my creditworthiness and must be deleted unless fully verified with original XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XXXX XXXX, XXXX Balance : {$2800.00} Law : FCRA 607 ( b ), 611 ( a ) Issue : False late payment entries Story : This account shows late payments that never occurred between XXXX and XXXX. My bank statements and XXXX XXXX records confirm that no payment was missed during the alleged months of delinquency. This violates my right to accurate reporting XXXX  XXXX XXXX Chargeoff Date Opened : XX/XX/XXXX Balance : {$970.00} Law : FCRA 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) Issue : Charge-off status is unverified and misleading Story : The charge-off was reported without proper validation or final statement of account. I have not been provided proof of the debts legitimacy since the alleged default in XXXX. Until fully verified, this account must be deleted XXXX XXXX Chargeoff Date Opened : XXXX XXXX, XXXX Balance : {$640.00} Law : FCRA 607 ( b ), 611 ( a ) Issue : Unverified charge-off status Story : The account was marked as charged off without prior notice or documentation. I dispute the validity of the balance and request complete validation with signed agreements and payment history. Without such proof, the charge-off is inaccurate XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$0.00} Law : FCRA 607 ( b ), 611 ( a ) Issue : False delinquency reporting on an account with zero balance Story : The report shows late payments despite the account being paid in full and closed. No missed payments occurred from XX/XX/XXXX through closure, making this entry factually incorrect XXXX XXXX XXXX XXXX XXXX Collection Date Opened : XX/XX/XXXX Balance : {$2700.00} Law : FCRA 607 ( b ), FDCPA 807 Issue : Debt is unverified and inaccurately reported Story : I never received a validation letter or itemized statement for this alleged balance. This entry is damaging my credit profile and must be removed unless verified through original contractual documents XXXX XXXX  XXXX Collection Date Opened : XX/XX/XXXX Balance : {$0.00} Law : FCRA 607 ( b ), FDCPA 809 ( b ) Issue : Collection account reported without verification Story : I never authorized XXXX  to send this to collections, and I have not received proof of debt ownership. A zero balance also makes this account misleading in its current form XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Date Opened : XX/XX/XXXX Balance : {$90.00} Law : FCRA 607 ( b ), FDCPA 807 Issue : Debt is not validated and may be fraudulent Story : I have no record of doing business with XXXX XXXX No signed agreement or billing history was provided prior to reporting this balance, which violates my rights XXXX XXXX XXXX XXXXXXXX XXXX Collection Date Opened : XX/XX/XXXX Balance : {$7100.00} Law : FCRA 607 ( b ), FDCPA 807, 809 ( b ) Issue : Unverified large balance Story : I have never signed a lease or entered into a contract with XXXX XXXX XXXX. No lease, payment history, or breakdown of the {$7100.00} balance has been provided. This appears to be an erroneous or fraudulent account XXXX XXXX XXXX XXXX Collection Date Opened : XX/XX/XXXX Balance : {$1100.00} Law : FCRA 607 ( b ), FDCPA 807 Issue : Incorrect and unverified reporting Story : I have no account with XXXX XXXX for the reported time frame. No invoice or signed service agreement exists to justify this entry, making it unverifiable and harmful INQUIRIES EQUITY SALES XX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) Issue : Unauthorized hard inquiry Story : I did not apply for or authorize credit with this entity on XX/XX/XXXX. No permissible purpose exists for this inquiry, and it must be removed XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) Issue : Inquiry not authorized Story : I have no business relationship with XXXX  and never gave consent for a credit pull on XX/XX/XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) Issue : Unauthorized inquiry Story : I did not apply for financing or credit with XXXX on XX/XX/XXXX XXXX and no authorization exists for this pull XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) Issue : Inquiry without permissible purpose Story : On XX/XX/XXXX, a hard pull was made without my knowledge or consent. I had no pending application or transaction with XXXX XXXX  I am demanding the immediate deletion of all inaccurate addresses, unverifiable accounts, and unauthorized inquiries listed above. The credit bureaus and furnishers have failed to provide proper documentation despite their legal obligations under FCRA and FDCPA. If they can not produce original signed contracts, complete payment records, or proof of permissible purpose for each inquiry, these items must be deleted. These inaccuracies are causing me severe harm, including denial of credit, higher interest rates, and reputational damage. I request the CFPB to take enforcement action to ensure compliance and hold the reporting agencies and furnishers accountable.

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 explanation