Consumer complaint received 2025-10-13 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: LA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) have been violated. I am a law-abiding consumer residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX and I have discovered several inaccuracies and unauthorized items being reported on my credit profile. These false reports have damaged my credit reputation and caused unnecessary emotional and financial XXXX. I request a full investigation and deletion of all unverifiable or inaccurate items listed below. 

ADDRESSES XXXX XXXX, XXXX, LA XXXX This address is being reported inaccurately and is not associated with my verified residence history. Under FCRA 609 ( A ), I am requesting verification of the source that furnished this address, including the name and contact of the furnisher. The presence of this false address indicates a data integrity failure and possible mixed file error, violating 607 ( B ). 

XXXX XXXX XXXX XXXXXXXX, LA XXXX This address is not connected to my personal credit activity or identification documents. Continuing to report this address violates FCRA 602 ( A ) and 607 ( B ) for lack of accuracy and reliability. I demand its immediate deletion and reinvestigation as required under 611 ( A ). 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Charge Off This account is being falsely reported as a charge-off without legitimate proof of default or creditor validation. Under FCRA 623 ( A ) and 611 ( A ), any account lacking verified documentation must be removed. The creditor has failed to provide written evidence of delinquency or charge-off details. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} Charge Off This accounts reporting contains inconsistent payment and balance data across bureaus, violating 607 ( B ). No signed contract or billing history has been provided under 609 ( A ) ( 1 ) ( A ). Please delete immediately for unverifiable status. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment Reporting late payments on a XXXX balance account violates 607 ( B ). No factual evidence of delinquency has been shown. The bureau must reinvestigate or remove. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment This furnisher failed to verify payment history when requested under 611 ( A ). Continued reporting constitutes willful noncompliance under 616. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$610.00} Charge Off Incorrect charge-off status without validation. Violates 623 ( A ) ( 1 ) ( A ) since the creditor failed to provide original account documentation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} Charge Off This account reflects conflicting charge-off and payment data. Under 607 ( B ), furnishers are required to ensure maximum possible accuracy. Delete immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Charge Off Duplicate reporting of the same account number appears on my file, violating 607 ( B ). This duplication creates a false debt image and must be deleted under 611 ( A ) ( 5 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off Unverifiable charge-off reported with no supporting validation. Violates 623 ( A ) ( 3 ) for failure to investigate disputed information. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} Late Payment Late payment entries inconsistent with creditor records and must be removed for inaccuracy under 607 ( B ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment Reporting late payments after the accounts closure violates 623 ( A ) ( 1 ) ( A ). This information is outdated and unverifiable. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payments Old student loan data is being inaccurately reported beyond the legal limit of seven years under 605 ( A ) ( 5 ). This must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2800.00} Charge Off Creditor has failed to supply written validation under 609 ( A ). Reporting false delinquency without proof is a direct violation of 623 ( A ) ( 1 ) ( A ). 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment No record of payment history provided during prior reinvestigation, violating 611 ( A ) ( 2 ). Must be deleted.

DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 Accounts ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment Duplicate obsolete federal loan data being reported over 7 years old violates 605 ( A ) ( 5 ). Immediate deletion required. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} Collection Unverified debt reporting without proof of original agreement violates 623 ( A ) ( 3 ). Delete immediately under 611 ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1100.00} Collection Furnisher has failed to verify ownership or provide contract details under 609 ( A ) ( 1 ) ( A ). Remove for inaccuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$680.00} Collection No validation notice or proof of debt ownership has been provided, violating 809 of the FDCPA and 623 ( A ) of the FCRA. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$350.00} Collection Reported without consumer consent or validation proof. Violates 607 ( B ) and 611 ( A ) ( 5 ) ( A ). 

INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were unauthorized and conducted without permissible purpose, violating 604 ( A ) ( 3 ) of the FCRA. Remove immediately as they were done without written consent or any active credit application.

The continued reporting of the above items after this second investigation will constitute willful noncompliance under FCRA 616 and 617, opening the door for civil liability. Please conduct a thorough reinvestigation within the 30-day time frame required by 611 ( A ), and provide written confirmation of deletion or verification results.

The continued reporting of false addresses, unverifiable accounts, and unauthorized inquiries constitutes a serious breach of federal consumer protection laws. These errors have negatively impacted my credit score, financial reputation, and peace of mind. I am requesting that the CFPB conduct a full investigation into these violations and take necessary action to ensure compliance with the FCRA and FDCPA.

I respectfully demand that the involved credit bureaus and furnishers provide written documentation verifying the accuracy of the above items. If they can not provide verifiable proof within the lawful timeframe, these items must be deleted immediately from my credit file.

The failure to maintain accurate and verifiable information under federal law undermines the integrity of the credit reporting system. I trust the CFPB will enforce these regulations and protect my consumer rights under the law.

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