Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) due to multiple inaccurate and damaging items being reported by the credit bureaus. Despite previous disputes and reinvestigation requests, these accounts, addresses, and inquiries remain unresolved and unverified. I am requesting that the CFPB take immediate action to investigate, enforce accountability, and ensure deletion and correction of these accounts, as they are either inaccurate, outdated, unverifiable, or the result of misreporting. These errors are causing serious harm to my creditworthiness, financial opportunities, and violate my consumer protection rights under federal law. 

XXXX XXXX XXXX, CA XXXX LAW : FCRA 602, 611, 607 ( b ) ISSUE : This entry is inaccurate, vague, and unverifiable. 
STORY : There is no valid address such as " XXXX XXXX '' and I have no affiliation with it. This listing may affect the integrity of my report and I request its deletion. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LAW : FCRA 611, 609 ( a ) ( 1 ), FDCPA 807 ( 8 ) ISSUE : This charge-off is reported inaccurately and remains unverifiable. 
STORY : I never received proper notice of charge-off nor was the debt validated. There are discrepancies in balance and date reporting. I request verification or immediate deletion under FCRA rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LAW : FCRA 611, 609, FDCPA 807 ISSUE : Account is outdated and unverifiable. 
STORY : The balance and timeline do not match my records. No communication has been provided to validate this debt and I am disputing its accuracy and completeness. Reinvestigation is required. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LAW : FCRA 609 ( a ) ( 1 ), 611 ISSUE : This account shows a charge-off without validation or complete data. 
STORY : I do not recognize this lender and the debt details are vague. There was no proper validation or response to prior inquiries. Please verify or delete. 

LBS FCU 365816 LAW : FCRA 611, 607 ISSUE : Account charged-off and listed as {$0.00} balance with incomplete verification. 
STORY : This lender has not provided adequate evidence of debt, timeline, or charge-off justification. I dispute the validity of this account and demand deletion if unverifiable. 

XXXX Bankruptcy XXXX Reference # XXXX LAW : FCRA 611, 609 ( a ) ( 1 ), 605 ( b ) ISSUE : Bankruptcy listing is inaccurate or potentially mixed with another consumer. 
STORY : I have not filed any bankruptcy under this reference. Please verify the association with my identity and delete if this was reported in error or without confirmation. 

XXXX XXXX XX/XX/year> LAW : FCRA 604, 607 ( a ), 611 ISSUE : Unverified hard inquiry on my credit report without permissible purpose. 
STORY : I did not authorize this creditor to pull my report. This unauthorized inquiry damages my score and violates my rights under FCRA. I demand deletion. 

XXXX XX/XX/year> LAW : FCRA 604, 611 ISSUE : Hard inquiry placed without written consent or any application. 
STORY : I have never applied for credit with this entity. This inquiry is unapproved and likely fraudulent. Please remove it from my file immediately. 

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to fully investigate each of these items and ensure compliance with federal law. The credit reporting agencies and furnishers have not provided the proper documentation to support continued reporting of these entries. I demand that all unverifiable, inaccurate, outdated, and unauthorized information be permanently removed from my credit reports. These errors are significantly impacting my life, and I expect the CFPB to take immediate action and provide the results of this investigation.

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