Consumer complaint received 2025-06-18 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I am filing this formal complaint against Equifax for continued reporting of inaccurate, outdated, and unverifiable information on my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681. Despite multiple dispute attempts, Equifax has failed to correct, delete, or reinvestigate numerous accounts and personal information that are either not mine or contain errors that are causing severe harm to my credit profile and financial well-being.

I. Inaccurate Personal Information Reported ( FCRA 1681e ( b ) ) Equifax is reporting the following wrong addresses that I have never lived at or been associated with : XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Legal Basis : FCRA 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information.

II. Inaccurate Accounts ( Charge-Offs, Collections, Late Payments ) Equifax is reporting the following derogatory accounts, many of which are inaccurate, not verified, or outdated, causing material damage to my creditworthiness : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX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 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 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 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 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 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 Unauthorized/Excessive Hard Inquiries ( FCRA 1681b ( c ) ) The following companies have made unauthorized or excessive hard inquiries on my credit report without permissible purpose, which also 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 Legal Basis : FCRA 1681b ( c ) : Permissible purpose required for hard inquiries.

Relief Requested : I respectfully request the following actions : 1. Immediate deletion of all the wrong addresses listed above from my Equifax report.

2. Permanent removal or correction of all inaccurate, unverifiable, and outdated account information mentioned.

3. Investigation and removal of unauthorized inquiries that were made without my consent.

4. Written confirmation that these actions have been taken in compliance with the FCRA.

Conclusion : Equifax has continuously failed to uphold its obligations under the FCRA. This negligence has resulted in significant harm to my credit reputation, financial opportunities, and emotional distress. I am requesting the CFPB to conduct a full investigation into Equifax 's practices and ensure my rights as a consumer are fully restored and protected.

To Whom It May Concern, I am writing to formally file a complaint against TransUnion for continuously reporting inaccurate, outdated, and unverifiable information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) including but not limited to 15 U.S. Code 1681c ( Section 605 ), 1681e ( Section 607 ), 1681i ( Section 611 ), and 1681b ( Section 604 ).

Despite multiple attempts to dispute this erroneous information, TransUnion has failed in their duty to investigate and correct or delete the disputed items as required by FCRA. I am now forced to escalate this matter through the Consumer Financial Protection Bureau ( CFPB ) due to the significant harm caused to my credit profile and financial wellbeing.

1. Wrong Addresses Reported ( FCRA 607 ( b ), 611 ) : The following addresses are inaccurately being reported on my TransUnion credit file : XXXX XXXX XXXX, XXXX, TX XXXX I have never lived at this address. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is also incorrect and not connected to my personal identity. 
Under FCRA 607 ( b ), TransUnion is obligated to ensure maximum possible accuracy of the information they furnish, which clearly is not being upheld. Reporting incorrect addresses leads to misidentification and increased fraud risk, which has already impacted me negatively.

2. Inaccurate Accounts Being Reported : The following accounts contain inaccurate, outdated, or unverifiable derogatory information, and are being reported in violation of FCRA 607 ( b ) and 611 ( a ), which requires the CRA to delete inaccurate or unverifiable information after dispute or upon lack of proper verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Status : Charge Off Issue : This account was settled and should not be showing as a charge-off. FCRA Violation : 607 ( b ), 611 ( a XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$610.00} Date Opened : XX/XX/XXXX Status : Late Payments Issue : The reported late payments are not accurate, and the creditor has failed to provide proper documentation. FCRA Violation : 607 ( b ), 611 ( a ) XXXX  XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$460.00} Date Opened : XX/XX/XXXX Status : Late Payments Issue : The account was paid on time or settled. No verifiable documentation was ever provided. FCRA Violation : 607 ( b ), 611 ( a ) XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$16000.00} Date Opened : XX/XX/XXXX Status : Charge Off Issue : The charge-off status is being misreported and has never been validated. FCRA Violation : 607 ( b ), 611 ( a XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2700.00} Date Opened : XX/XX/XXXX Status : Charge Off Issue : This debt is inaccurate and likely resulted from fraudulent activity. FCRA Violation : 607 ( b ), 611 ( a ) XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$17000.00} Date Opened : XX/XX/XXXX Status : Late Payments Issue : Payments were made on time. The reported delinquencies are not verifiable. FCRA Violation : 607 ( b ), 611 ( a ) XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$410.00} Date Opened : XX/XX/XXXX Status : Collection Issue : This debt was not validated under the FDCPA and should not appear on my credit. FCRA Violation : 607 ( b ), 611 ( a ), Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX  High Balance : {$830.00} Date Opened : XX/XX/XXXX Status : Collection Issue : I requested debt validation which was never provided. This violates my rights under FDCPA. FCRA Violation : 607 ( b ), 611 ( a ), FDCPA 809 ( b ) 3. Unpermitted Hard Inquiries ( FCRA 604 ( a ) ) The following inquiries were performed without my knowledge, consent, or permissible purpose, in violation of FCRA 604 ( a ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were unauthorized, and I demand a complete audit trail and removal of each.

Requested Resolution : 1. Immediate removal of all the above inaccurate accounts, unauthorized inquiries, and wrong addresses from my TransUnion credit report.

2. A full reinvestigation in accordance with FCRA 611 ( a ), and written verification from each furnisher.

3. If the information can not be verified within 30 days, it must be removed immediately as per FCRA guidelines.

4. A corrected copy of my credit report be sent to me after the inaccurate information is deleted.

Supporting Legal Citations : 15 U.S.C. 1681e ( b ) Reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i Reinvestigation of disputes by consumer reporting agency.

15 U.S.C. 1681c Requirements relating to obsolete information.

15 U.S.C. 1681b Permissible purposes of consumer reports.

FDCPA 809 ( b ) Debt validation rights for disputed collections.

I respectfully request CFPB intervention to ensure that TransUnion complies with federal law and removes all items that can not be fully verified or were unlawfully reported. I am suffering serious financial harm and emotional distress due to their failure to uphold the law.

I am filing this complaint to bring to your attention serious violations by Experian under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning the reporting of inaccurate personal information, erroneous and unverifiable accounts, and unauthorized hard inquiries on my credit report.

I have previously submitted formal disputes to Experian regarding the incorrect reporting of several addresses, delinquent or charged-off accounts, duplicate student loan tradelines, and unauthorized inquiries, but the agency failed to conduct a proper investigation or to correct the errors in compliance with their statutory obligations under FCRA 1681i ( reinvestigation of disputed information by consumer reporting agency ) and 1681e ( b ) ( reasonable procedures to assure maximum possible accuracy ).

1. Wrongly Reported Addresses The following addresses are inaccurately reported on my credit file and do not belong to me : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation : 1681e ( b ) Failure to maintain reasonable procedures to ensure accuracy of consumer reports.

2. Inaccurate or Erroneous Account Information aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$570.00} | Date Opened : XX/XX/XXXX XXXX XXXX Issue : Reported as charged-off ; not verified with accurate documentation ; lacks proper validation under 1681i.

Violations : 1681i ( a ), 1681s-2 ( b ), 1681e ( b ) b. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$1000.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Charge-off reported with inconsistent payment history ; consumer was not notified of default per FCRA. 
Violations : 1681i, 1681e ( b ) c. XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX High Balance : {$610.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Late payment not supported by accurate records. Requested proof not furnished. 
Violations : 1681i ( a ), 1681s-2 ( a ) d. XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$16000.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Charged-off without proper debt validation ; no documentation provided when disputed. 
Violations : 1681s-2 ( b ), 1681e ( b ) e. XXXX Account # XXXX XXXX XXXX XXXX High Balance : {$2700.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Issue : Charged off and reported multiple times ; fails reinvestigation standard. 
Violations : 1681i ( a ), 1681e ( b ) fXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  High Balance : {$17000.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Late payments reported without validation ; not notified of derogatory report. 
Violations : 1681s-2 ( b ), 1681e ( b ) 3XXXX XXXX Duplicate and Negative Tradelines ( XXXX  Loans ) All accounts under Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Dates from XXXX to XXXX | High Balances from {$1800.00} to {$24000.00} Issues : Multiple duplicate tradelines. 
Late payments across all entries. 
No validation received after dispute. 
These tradelines inflate debt load and inaccurately reflect my student loan history. 
Violations : 1681i ( a ), 1681e ( b ), 1681s-2 ( a ) 4. Collections Listed Without Proper Notification or Validation a. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$410.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Collection account reported with no debt validation notice provided as per FCRA & FDCPA. 
Violations : 1681g, 1681i, FDCPA 809 ( 15 U.S.C. 1692g ) b. XXXX XXXX XXXX XXXX XXXX Account # XXXX High Balance : {$830.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : No prior communication or notice of collection. No documentation provided upon dispute. 
Violations : 1681s-2 ( a ), FDCPA 809 5. Unauthorized/Excessive Hard Inquiries The following inquiries were made without my knowledge, consent, or a permissible purpose as defined under FCRA 1681b 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 Violation : 1681b Obtaining a consumer report without a permissible purpose.

Relief Requested : 1. Immediate deletion of all inaccurate accounts, addresses, and inquiries listed above.

2. Full investigation with documentation proving the accuracy of every negative item.

3. Written confirmation of actions taken as a result of this complaint.

4. Enforcement of penalties or actions by the CFPB against Experian for failure to comply with federal credit reporting 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 non-monetary relief