Consumer complaint received 2025-10-16 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 regarding multiple inaccurate, unverifiable, and unauthorized items reported on my credit file by various furnishers and credit reporting agencies. These entries are damaging my creditworthiness and financial reputation. I request CFPB intervention under the Fair Credit Reporting Act ( FCRA 602 ( A ), 607 ( B ), 611 ( A ), 623 ( A ) ( 1 ) ( A ) ) to ensure these inaccuracies are corrected or deleted. 
INCORRECT ADDRESSES REPORTED ( VIOLATION OF FCRA 607 ( B ) ) The following addresses listed on my credit report are completely inaccurate and have no connection to me, my identity, or my residence history. Reporting these addresses creates confusion and potential identity risk. I demand immediate removal of these addresses from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address These locations do not belong to me, and I have never resided or received mail at any of them. This inaccurate reporting violates FCRA 607 ( B ), which mandates credit bureaus to maintain accurate and verifiable data. 
ACCOUNTS IN DISPUTE ( VIOLATION OF FCRA 602 ( A ), 607 ( B ), 611 ( A ), and 623 ( A ) ( 1 ) ( A ) ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$24000.00} I have no knowledge of this account. It appears to be fraudulently reported or misattributed to me. There is no signed agreement, proof of ownership, or transaction record connecting me to this debt. Reporting unverifiable data constitutes a clear violation of FCRA 623 ( A ) ( 1 ) ( A ) and must be removed immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3000.00} I have never authorized or owned this account. This account should not appear on my credit file. XXXX XXXX must validate the debt with complete account records or have it removed per FCRA 623 ( A ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} This entry is inconsistent and misleading, showing a charge-off with a {$0.00} balance. An account can not be simultaneously charged off and have no outstanding debt. This illogical reporting violates FCRA 607 ( B ) and should be deleted. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$750.00} I have no relationship or agreement with XXXX XXXX. I request documentation bearing my name, signature, and verified account information. If such proof can not be provided, delete this account immediately as it is unverifiable under FCRA 611 ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$480.00} This account appears to have been reported inaccurately. I have no record of this debt or any communication from XXXX XXXX XXXX  regarding this alleged account. Reporting this false charge-off severely damages my reputation and violates FCRA 623 ( A ) ( 1 ) ( A ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} This reporting is completely inconsistent. An account with a {$0.00} balance can not be classified as charged-off. This misleading status should be corrected or deleted under FCRA 607 ( B ) and 611 ( A ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$310.00} This account shows an inaccurate late payment. I have never made any late payments toward this account, nor was I ever notified of any delinquency. Reporting a late payment without verified documentation or billing records violates FCRA 623 ( A ) ( 1 ) ( A ). Please review and correct this payment history immediately. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} This account has been closed with a {$0.00} balance, yet it is showing late payments. Reporting delinquency on a {$0.00} balance account is misleading and inaccurate. Under FCRA 607 ( B ), you must ensure data accuracy ; therefore, I request this late payment status be corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} I dispute the late payment status reported on this account. I have never missed a payment, and this account has long been paid in full. This is a reporting error that damages my credit history and must be fixed or deleted per FCRA 611 ( A ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} The late payment record here is false. I have always maintained timely payments, and no verified documentation has ever been provided to support this claim. This constitutes negligent reporting under FCRA 602 ( A ) and must be corrected immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} This account appears to be a duplicate entry of another Conns account already listed. Duplicate reporting artificially inflates delinquency and misrepresents my payment history. Under FCRA 607 ( B ), duplicate or redundant data must be removed. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} I have no knowledge of this account or any unpaid balance owed to XXXX XXXX. This account is being falsely reported as charged-off without verification or documentation. Under FCRA 623 ( A ) ( 1 ) ( A ), unverifiable data must be deleted. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} I dispute this charge-off entirely. I have never entered into any agreement or financial relationship with this creditor. Without signed documentation or billing records proving my responsibility, this account is unverifiable and must be deleted under FCRA 611 ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$1300.00} I have never received any documentation or validation regarding this debt. I have no recollection of doing business with XXXX XXXX or any related agency. This appears to be an unverifiable third-party collection and must be deleted under FCRA 611 ( A ) for failure to provide proof of legitimacy. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} This collection account is disputed in full. I have not received any validation notice or proof of debt from this company as required by the Fair Debt Collection Practices Act ( FDCPA 809 ). Without verifiable documentation, this entry must be removed immediately under FCRA 623 ( A ) ( 1 ) ( A ). 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$910.00} XXXX XXXX is reporting a collection that is not mine. This account is completely unfamiliar, and no validation was ever provided. This is an ongoing pattern of inaccurate reporting by this furnisher, violating FCRA 607 ( B ) and 611 ( A ). I request its immediate deletion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$740.00} This is another false and unverifiable collection account reported by XXXX XXXX. I have no record, contract, or signed documentation linking me to this debt. Reporting unverifiable or duplicate collections is a clear violation of FCRA 623 ( A ) ( 1 ) ( A ) and must be deleted at once. 
UNAUTHORIZED OR EXCESSIVE INQUIRIES The following inquiries were not authorized by me. I have not provided written consent to these institutions to access my credit file. Under FCRA 604 ( A ) ( 2 ), a permissible purpose is required for any inquiry. I therefore demand removal of the following unauthorized inquiries from my report : 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 Inquiry Each of these inquiries must be verified with documented proof of authorization bearing my name and signature. If such verification can not be produced, you are required to delete these entries immediately under FCRA 611 ( A ) and 604 ( A ) ( 2 ).

Relief Requested I request CFPB to investigate and ensure that : 1. All disputed accounts are fully verified or deleted.

2. All unauthorized inquiries are removed from my credit report.

3. Written confirmation and an updated credit report are provided to me.

4. Any furnisher or credit bureau found violating the FCRA is held accountable.

These inaccurate and unverifiable accounts are negatively impacting my ability to obtain credit, loans, and other financial services. I am requesting CFPB action to resolve this matter promptly.

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