Consumer complaint received 2025-11-07 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:
I am submitting this complaint under my rights granted by the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). My credit report contains serious inaccuracies that have caused confusion, harm, and misrepresentation of my credit profile. Despite previous disputes, the errors remain unresolved. I am demanding a full reinvestigation and immediate correction of these violations that directly infringe upon my consumer rights under federal law. 

Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is not mine and should be deleted immediately. It violates FCRA 607 ( b ) as the bureau failed to maintain reasonable procedures to assure maximum possible accuracy. Reporting a wrong address creates a false association and damages my creditworthiness. 

XXXX Account # : XXXXXXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This account was reported as a charge off despite being inaccurate and unverified. Under FCRA 611 ( a ), the bureau must delete or correct information that can not be verified. Continued reporting after prior disputes proves negligence and violation of FCRA 623 ( b ). 

XXXX  Account # : XXXXXXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This account reflects a charge off that I never authorized. FCRA 602 ( a ) and 607 ( b ) require accurate investigation and verification, which was not completed. Failure to correct false information after notice is a willful violation of consumer protection laws. 

XXXX XXXX Account # : XXXXXXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX * * Reported as late payments though no delinquency occurred. FCRA 611 ( a ) ( 1 ) ( A ) demands a reinvestigation ; continued inaccuracy violates 623 ( a ). This false information has caused unjust harm to my credit reputation. 

XXXX Account # : XXXXXXXX XXXX XXXX Balance : {$1300.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This collection is inaccurate and unverified under FCRA 611 ( a ). The bureau failed to validate ownership or balance accuracy. FCRA 623 ( b ) ( 1 ) ( A ) prohibits reporting unverifiable data. 

XXXX Account # : XXXXXXXX XXXX XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX * * Reported as a charge off without validation. Under FCRA 611 ( a ) and 607 ( b ), unverifiable data must be removed. Reporting false debt creates misleading credit information and must be deleted. 

XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Balance : {$160.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Reported charge off is false and unverifiable under 611 and 623. The data furnisher has not provided any documentation verifying this claim. Continuing to report this is negligent. 

XXXX  XXXX Account # : XXXXXXXX XXXX XXXX  Balance : {$780.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This charge off entry is unverified and outdated per 611 ( a ). The creditor failed to provide validation within the reinvestigation period. Continued reporting violates 607 ( b ). 

XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This account shows false charge off status with no documentation. FCRA 611 ( a ) ( 1 ) ( A ) requires correction or deletion. Maintaining unverified data violates 607 ( b ). 

XXXX XXXX Account # : XXXXXXXX XXXX XXXX Balance : {$500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Inaccurate late payment notation violates 623 ( a ) ( 1 ) ( A ). Bureau must verify accuracy or delete. Continued reporting causes direct financial harm. 

XXXX Account # : XXXXXXXX XXXX XXXX Balance : {$710.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Reported late payments are unverified. FCRA 611 ( a ) ( 1 ) ( A ) and 607 ( b ) require correction. Bureau failed to confirm account ownership. 

XXXX Account # : XXXXXXXX XXXX XXXX  Balance : {$600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Inaccurate late payment data violates 611 ( a ). Reporting unverifiable information damages my credit score and must be deleted immediately. 

XXXX Account # : XXXXXXXX XXXX XXXX Balance : {$610.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Late payment reporting is not supported by any documentation. Violates 607 ( b ) accuracy standards. Bureau must delete unverifiable account. 

XXXX Account # : XXXXXXXX XXXX XXXX Balance : {$490.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  This late payment record is false under 611 ( a ). No supporting evidence was ever provided. Bureau failed to ensure data accuracy. 

XXXX XXXX Account # : XXXX XXXX XXXX Balance : {$910.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Inaccurate late payment status violates 607 ( b ) and 623 ( b ). Bureau must delete or correct. Repeated inaccuracy shows willful disregard for FCRA compliance. 

XXXX XXXX XXXX  Account # : XXXXXXXX XXXX  * Balance : {$35000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Late payment reporting is false and unverified. Violates 611 ( a ) and 607 ( b ). Bureau must correct or delete immediately. 

XXXX Account # : XXXXXXXX XXXX XXXX Balance : {$300.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  This collection account is unverifiable under 611 ( a ). Failure to validate violates 623 ( b ). Must be deleted for noncompliance. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were unauthorized and violate 604 ( a ) ( 2 ) and 607 ( a ). Each was pulled without permissible purpose or consumer consent, breaching federal law. Continued listing damages my credit reputation. 

These inaccuracies and violations collectively demonstrate negligence and noncompliance with federal consumer protection laws. The bureaus and furnishers have failed their legal obligation to ensure fair, accurate, and verifiable reporting under FCRA 602 ( a ) and 623 ( a ) ( 1 ) ( A ). I am requesting that CFPB immediately investigate these matters, compel the responsible bureaus and furnishers to remove or correct the erroneous data, and take appropriate enforcement actions to ensure compliance. Continued failure to uphold these laws constitutes willful noncompliance under FCRA 616 and 617, which subjects the responsible parties to civil liability.

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