Consumer complaint received 2025-09-25 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:
Dear CFPB, I am filing this complaint against multiple furnishers and credit reporting agencies for reporting inaccurate, unverifiable, and misleading information on my credit report. The following accounts and inquiries are in dispute : XXXX XXXX XXXXXXXX XXXX, TX XXXX Wrong Address This address is being inaccurately reported on my credit file. I have never lived at nor been associated with this address. Reporting false personal identifying information is a violation of FCRA 607 ( b ) which requires credit bureaus to assure maximum possible accuracy of the information they report. This false association creates a risk of identity confusion and misrepresentation. I request immediate removal of this address from all of my credit reports. 
XXXX XXXX XXXXXXXX XXXX  Late Payment * * High Balance : {$780.00} | Date Opened : XX/XX/XXXX This account is reporting late payments that are inaccurate and unverifiable. I dispute the validity of these late payment notations because XXXX XXXX has failed to provide proof of timely billing statements and proper notice. Under FCRA 611 ( a ) I have the right to dispute inaccurate information and the furnisher must conduct a reasonable investigation. Reporting unverified late payments severely harms my credit profile and misrepresents my payment history. I request deletion of these inaccurate late payment records. 
XXXX XXXX XXXX XXXX  Chargeoff * * High Balance : {$1400.00} | Date Opened : XX/XX/XXXX This account is being reported as a charge-off, but this information is incomplete and misleading. XXXX has not provided validation of the alleged debt balance nor documentation of accurate reporting. According to FCRA 623 ( a ) ( 1 ) ( A ) furnishers must not report information they know or have reasonable cause to believe is inaccurate. Additionally, under FDCPA 809, I have the right to request validation of the alleged debt. Since no validation has been provided, this charge-off should be deleted immediately. 
XXXX XXXX XXXX * Chargeoff * * High Balance : {$2500.00} | Date Opened : XX/XX/XXXX This charge-off is inaccurate, incomplete, and unverified. XXXX XXXX has failed to provide evidence of the alleged delinquency, statements, or proper accounting of this balance. The reporting of charge-offs without full documentation is a violation of FCRA 602 ( A ), which stresses the importance of accurate reporting. This negative account is misleading and damaging, and I request its immediate deletion. 
XXXX XXXX XXXXXXXX XXXX XXXX Chargeoff * * High Balance : {$3200.00} | Date Opened : XX/XX/XXXX This account is being reported as a charge-off, yet XXXX XXXX has failed to provide verifiable documentation or validation of the alleged delinquency. Inaccurate reporting of charge-offs constitutes a violation of FCRA 623. Furthermore, if this debt was sold or transferred, continuing to report it as active without clarification is misleading and unlawful. I dispute the accuracy of this account and demand deletion. 
XXXX  XXXX * * XXXX * * XXXX XXXX : {$1400.00} | Date Opened : XX/XX/XXXX This charge-off account is inaccurate and unverifiable. XXXX XXXX  has failed to provide account-level documentation or statements proving the validity of this alleged debt. Under FDCPA 809 ( b ) I have the right to request full validation, which has not been provided. Continuing to report without validation is unlawful. I request deletion. 
XXXX XXXX XXXXXXXX XXXX Chargeoff * * High Balance : {$3600.00} | Date Opened : XX/XX/XXXX This account is reported as a charge-off, yet Capital One has failed to provide verifiable documentation or proper validation of the alleged delinquency. Reporting unverifiable negative accounts is a violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting inaccurate information. I dispute the accuracy and request its deletion. 
XXXX XXXX Chargeoff * * High Balance : {$1700.00} | Date Opened : XX/XX/XXXX This account is reported as a charge-off but remains unverified and incomplete. XXXX XXXX has not provided billing statements, contracts, or proof of ownership. Reporting without substantiated documentation violates FCRA 607 ( b ), which requires maximum accuracy in reporting. This charge-off should be removed immediately. 
XXXX XXXX XXXX Chargeoff * * High Balance : {$1900.00} | Date Opened : XX/XX/XXXX This charge-off account is inaccurate and unverifiable. XXXX XXXX  has not supplied full validation of the alleged debt, in violation of FDCPA 809 ( b ), which gives me the right to request validation before continued reporting. Since no proof has been provided, this entry should be deleted. 
XXXX XXXX XXXX  Chargeoff * * High Balance : {$1700.00} | Date Opened : XX/XX/XXXX This account is reported as a charge-off with insufficient supporting records. Reporting incomplete or unverifiable negative accounts violates FCRA 611 ( a ), which requires a reasonable reinvestigation when disputed. As the creditor has not validated this account, I demand deletion. 
XXXX  XXXXXXXX XXXX Chargeoff * * High Balance : {$2200.00} | Date Opened : XX/XX/XXXX This charge-off is inaccurate and misleading. No account-level documentation, contracts, or payment history has been provided to verify its accuracy. Furnishing unverified information violates FCRA 602 ( a ), which stresses the need for fair and accurate reporting. This account must be removed. 
XXXX XXXXXXXX XXXX XXXX Chargeoff * * High Balance : {$6300.00} | Date Opened : XX/XX/XXXX This account is reported as a charge-off but lacks validation and proper documentation. XXXX XXXX has not provided statements or proof of delinquency. Reporting unverifiable charge-offs constitutes a violation of FCRA 607 ( b ). I dispute this account in full and demand its deletion. 
XXXXXXXX XXXX XXXX XXXXXXXX Chargeoff * * High Balance : {$2000.00} | Date Opened : XX/XX/XXXX This charge-off is being reported without validation. XXXX XXXX XXXX has failed to provide contract agreements or payment history supporting this entry. Reporting unverifiable data violates FCRA 623. I dispute the accuracy and request deletion. 
XXXX XXXX XXXXXXXX XXXX XXXX Chargeoff * * High Balance : {$27000.00} | Date Opened : XX/XX/XXXX This XXXX XXXX account is reported as a charge-off with a substantial balance, yet no validation or supporting documents have been provided. Reporting unverifiable high-balance charge-offs creates severe financial harm and violates FCRA 607 ( b ). Without proper verification, this entry must be deleted immediately. 
XXXX XXXX XXXXXXXX XXXX  Chargeoff * * High Balance : {$730.00} | Date Opened : XX/XX/XXXX This XXXX XXXX Bank account is listed as a charge-off but remains unverified. No evidence of delinquency, original account records, or billing history has been provided. Under FDCPA 809 and FCRA 611 ( a ), I have the right to dispute and request validation, which has not been honored. I request deletion. 
XXXX XXXX XXXX Chargeoff * * High Balance : {$870.00} | Date Opened : XX/XX/XXXX This charge-off account is inaccurate and misleading. No billing statements or signed agreements have been provided to support this reporting. Furnishing unverifiable information is a violation of FCRA 607 ( b ), which requires maximum possible accuracy. This account must be removed immediately. 
XXXX XXXX XXXX XXXX  Chargeoff * * High Balance : {$3500.00} | Date Opened : XX/XX/XXXX This XXXX XXXX account is being reported as a charge-off but remains unverified. No proof of delinquency, ownership, or balance accuracy has been provided. Reporting such data without validation violates FCRA XXXX ( a ), which requires a reasonable reinvestigation upon dispute. I request deletion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Late Payment * * High Balance : {$37000.00} | Date Opened : XX/XX/XXXX This auto loan account reflects late payments that are inaccurate and unverifiable. XXXX XXXX has not provided sufficient evidence to support these late notations. Under FCRA 602 ( a ), creditors must report fairly and accurately. Late payments that can not be validated must be deleted to avoid misleading reporting. 
XXXX XXXXXXXX XXXX  Chargeoff * * High Balance : {$50.00} | Date Opened : XX/XX/XXXX This account is reported as a charge-off with a very small balance, yet no proper validation or supporting documentation has been provided. Reporting unverifiable informationeven for minor balancesviolates FDCPA 809 ( b ) and FCRA 623. I dispute this account and demand deletion. 
XXXX XXXX  XXXXXXXX XXXX Collection * * High Balance : {$2200.00} | Date Opened : XX/XX/XXXX This XXXX XXXX collection is being reported without proof of ownership, contract, or billing history. Reporting collections without validation violates FDCPA 809 ( b ) and FCRA 607 ( b ). I dispute this entry and demand deletion. 
XXXX XXXX XXXX Collection * * High Balance : {$2800.00} | Date Opened : XX/XX/XXXX This Portfolio Recovery collection account is inaccurate and unverified. No documents have been provided to establish ownership or chain of custody of the alleged debt. Reporting unverifiable data violates FCRA 623 ( a ) ( 1 ) ( A ). This account must be deleted. 
XXXX XXXX XXXXXXXXXXXX XXXX Collection * * High Balance : {$9100.00} | Date Opened : XX/XX/XXXX This collection account is extremely damaging, yet no validation has been supplied to support it. Reporting unverifiable high-balance collections is misleading and unlawful under FCRA 611 ( a ), which requires reasonable reinvestigation when disputed. I dispute this entry and request deletion. 
XXXX XXXX XXXX Collection * * High Balance : {$300.00} | Date Opened : XX/XX/XXXX This XXXX Funding account is unverified. XXXX has not provided contracts, billing records, or evidence of ownership. Reporting collections without proof violates FDCPA 809. I demand immediate deletion. 
XXXX XXXX XXXXXXXX XXXX Collection * * High Balance : {$870.00} | Date Opened : XX/XX/XXXX This account appears duplicative of other XXXX  entries and remains unverified. Reporting duplicate or unverifiable accounts violates FCRA 607 ( b ). This must be removed immediately. 
XXXX Inquiry Date : XX/XX/XXXX This inquiry was conducted without my authorization or permissible purpose under FCRA 604. I dispute this hard inquiry and demand deletion. 
Requested Resolution I respectfully request the CFPB to : Investigate these furnishers and require them to provide full validation of the alleged debts. 
Remove any account or inquiry that can not be 100 % verified with proper documentation. 
Hold the reporting agencies accountable for failing to maintain maximum possible accuracy. 
Ensure that I am provided with written confirmation of deletions or corrections. 
Legal References Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Accuracy, permissible purpose, and reinvestigation requirements. 
Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 Prohibits deceptive collection and reporting practices.

CFPB Authority To enforce compliance and protect consumers from abusive and inaccurate reporting.

I urge the Bureau to take immediate action to investigate these violations and ensure my consumer rights are upheld.

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