Consumer complaint received 2025-09-29 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:
To Whom It May Concern, I am submitting this complaint to formally dispute multiple inaccurate and unauthorized items on my credit report. These include false collection accounts and unauthorized credit inquiries. These items are severely harming my credit score, reputation, and ability to access fair credit. The reporting of these items violates my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). I demand that all disputed items be fully investigated and immediately corrected or deleted if unverifiable. 
XXXX XXXX XXXX, TX XXXX Wrong Address I have never lived at XXXX XXXX, XXXX, TX XXXX. Including this in my file falsely associates me with a location that could belong to another person entirely. This creates confusion and the possibility of accounts or debts being linked to me that are not mine. Wrong addresses on a credit file open the door to identity theft and fraud, because if another individual with bad debts lived there, those debts could be misattributed to me. The FCRA clearly states that consumer reporting agencies must ensure maximum possible accuracy. By leaving this address attached to my file, they are exposing me to reputational damage and blocking me from obtaining fair credit opportunities. 
XXXX XXXX XXXX, TX XXXX Wrong Address I dispute this address as I have never resided at XXXX XXXX, XXXX, TX XXXX. This error may seem small, but it creates a misleading history that makes it appear I have lived at multiple locations I never occupied. Such misinformation makes me look unstable to lenders, landlords, and employers who review my credit file. I fear that this incorrect detail has already caused harm in credit decisions. Under FCRA 607 ( b ), the reporting agencies must follow reasonable procedures to assure maximum possible accuracy, yet this address proves they have failed their legal duty. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$490.00} Date Opened : XX/XX/XXXX Late Payment This account is being reported with late payments that never occurred. I have always paid this account on time and have records that prove my consistent history. Reporting false late payments damages my reputation and lowers my score unfairly. This misinformation suggests that I am careless with my obligations, which is completely false. Such false data has real-world consequences, including credit denials, higher loan costs, and emotional stress. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate. By allowing these errors, the reporting agencies are enabling XXXX XXXX to misrepresent my payment history. I demand that these late payment notations be immediately removed and my history corrected to reflect the truth. 
XXXX XXXXXXXX XXXX XXXX  High Balance : {$870.00} Date Opened : XX/XX/XXXX Late Payment This account is also falsely reporting late payments. I dispute this information because I never failed to make timely payments on this XXXX account. False late payment reporting makes me appear unreliable to creditors and has already damaged my ability to obtain credit on fair terms. This is not only inaccurate, but also harmful to my financial standing. According to FDCPA 807 ( 8 ), no furnisher or debt collector may communicate false credit information. Reporting this as late is both a violation of federal law and my consumer rights. The FCRA gives me the right to dispute and demand correction, and I am exercising that right now. I insist that this accounts history be corrected to show on-time payments only. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$930.00} Date Opened : XX/XX/XXXX Charge Off This account is showing as a charge-off, but I dispute that claim entirely. I have no knowledge of this account ever being delinquent or charged off. If XXXX XXXX  believes this to be accurate, they must provide proper validation including signed agreements, account history, and payment records. Without such proof, this account is unverifiable and must be removed immediately. Reporting unverifiable data violates FCRA 611 ( a ) ( 5 ) which requires deletion of disputed items if they can not be substantiated. The false charge-off notation has already caused serious harm by portraying me as financially reckless when I am not. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$820.00} Date Opened : XX/XX/XXXX Collection I dispute this account in its entirety. I have no knowledge of ever owing a debt to XXXX XXXX. I was never contacted, never provided with validation, and never agreed to any contract tied to this alleged account. Under FDCPA 809 ( a ), a debt collector must provide validation of a debt before attempting to collect. Since no such validation was ever provided to me, this collection is unverifiable and illegally reported. It is damaging my credit profile by making me appear as though I have defaulted on an account I never owed. I demand immediate deletion of this entry. 
XXXX XXXX XXXX  High Balance : {$270.00} Date Opened : XX/XX/XXXX Collection This collection account is also false and unknown to me. I have never received any bills, letters, or notices from this company. No documentation has ever been provided proving that I owe this amount. Reporting unverifiable debt is a direct violation of FCRA 611 ( a ) ( 5 ) which requires removal of disputed information if it can not be substantiated. It is also a violation of FDCPA 807 ( 8 ), which prohibits the communication of false credit information. This entry is harming my credit and must be deleted immediately. 
XXXX XXXX XX/XX/XXXX Inquiry This inquiry is unauthorized. I never applied for credit with this company, nor did I grant permission for them to pull my credit file. An unauthorized inquiry violates FCRA 604 ( a ) ( 2 ) which requires permissible purpose before accessing a consumer report. This inquiry is creating a false trail of applications that I never made, suggesting I am seeking excessive credit, which is damaging to my reputation. 
XXXX XX/XX/XXXX Inquiry This inquiry was not authorized by me. I did not seek any credit that would justify XXXX pulling my report on this date. They accessed my personal information without my consent, which is a violation of federal law. Each duplicate pull by XXXX multiplies the damage by lowering my score. I never requested their services, and these inquiries must be deleted. 
XXXX XX/XX/XXXX Inquiry I never authorized XXXX XXXX  ( XXXX ) to access my credit on this date. I had no application pending. This unauthorized inquiry is unlawful and harmful. 
XXXX  XXXX XX/XX/XXXX Inquiry I never applied for any account or service with XXXX  XXXX. This inquiry was made without my knowledge or consent. Unauthorized inquiries lower my score and misrepresent me as a credit risk. 
XXXX XX/XX/XXXX Inquiry This inquiry is false and unauthorized. I never sought credit with XXXX XXXX Unauthorized pulls violate FCRA 604 ( a ) ( 2 ). 
XXXX XXXX  XX/XX/XXXX Inquiry This inquiry is unauthorized. I never sought financing from XXXX XXXX XXXX, nor did I permit them to pull my report. 
XXXX XXXX XX/XX/XXXX Inquiry This inquiry was unauthorized. I never applied for a XXXX XXXX XXXX  card on this date. Their action was illegal and must be corrected. 
These inaccurate collections and unauthorized inquiries have caused severe emotional distress, reputational harm, and financial damage. I request a thorough investigation and immediate removal or correction of all disputed items. Under FCRA 611 ( a ), you are required to respond within 30 days. 
Failure to correct these items will leave me no choice but to pursue legal remedies under the FCRA, FDCPA, and all applicable federal and state laws.

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