Consumer complaint received 2025-08-02 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: NC

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple unauthorized, inaccurate, and unverifiable items that continue to appear on my credit reports. Despite my previous disputes and requests for validation, these items remain unresolved or have been improperly reinserted without proper notification. I am requesting that the CFPB take immediate action to enforce my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and hold the data furnishers and credit reporting agencies accountable for their negligence and violations. Each of the following items requires full reinvestigation, proper documentation, and if verification is not legally substantiated, complete deletion. 
XXXX XXXX XXXX, XXXX, NC, XXXX Law : FCRA Section 609 ( c ) ( 2 ) and Section 611 Issue : This address is incorrectly reported on my credit file.

Story : I have never lived at or been associated with this address. Its presence is false and potentially the result of mixed or merged files. I demand a reinvestigation and removal of this inaccurate personal information in accordance with federal law. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Law : FCRA Section 609 ( c ) ( 2 ) and Section 611 Issue : This address is falsely reported.

Story : I have never been associated with this location, and its appearance on my report is likely due to a file merging error. 

XXXX XXXX XXXX, XXXX, NC, XXXX Law : FCRA Section 609 ( c ) ( 2 ) and Section 611 Issue : I do not recognize this address. 
Story : I have no known connection to this address and request that it be permanently deleted after verification. 

XXXX XXXX CO XXXX Open Date XX/XX/XXXX Balance : {$0.00} Law : FCRA Section 611, Section 602 ( a ), and Section 609 Issue : This charge-off account is inaccurate, unverifiable, and damaging to my credit.

Story : This account was previously removed and has now been reinserted without proper notice under Section 611 ( a ) ( 5 ) ( B ). This is a direct violation of FCRA reinsertion protocols. The balance shows {$0.00} and is marked as charged off, which is contradictory and unfair. Please conduct a reinvestigation and provide proof of verification or remove it permanently. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Law : FCRA XXXX XXXX and FDCPA XXXX XXXX Issue : This is a collection account with a {$0.00} balance and appears to be inaccurately reported. 
XXXX : This account should not remain listed if the balance is XXXX and there is no active collection effort. Its continued presence negatively impacts my creditworthiness. Please verify the accuracy and if unverifiable, delete it from my file immediately. 

FLAGSHIP CRE XX/XX/XXXX Inquiry Law : FCRA Section 604 Issue : I dispute this inquiry as unauthorized.

Story : I never gave permission for this inquiry to be performed. No business relationship exists. 

XXXX XXXX XX/XX/XXXX Inquiry Law : FCRA Section 604 Issue : I did not approve this inquiry. 
Story : This inquiry was not initiated by me, nor did I give permission. Please remove this unverified hard pull. 

XXXX XX/XX/XXXX Inquiry Law : FCRA Section 604 Issue : This is a hard inquiry without my consent. 
Story : I am requesting a full investigation and removal. I have no business with this entity. 

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to conduct a full investigation into these matters and ensure all violators are held accountable. I am requesting deletion of all unverifiable, unauthorized, and inaccurately reported items from my credit profile. My rights have been repeatedly violated, and these violations have resulted in financial hardship, stress, and the loss of credit opportunities. I am asking the CFPB to protect my rights under the FCRA and ensure these abusive and negligent practices are stopped. I am also requesting copies of any documentation used in the reinvestigation process and confirmation that these items have been resolved and removed.

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