Consumer complaint received 2025-11-06 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: NV

Complaint narrative:
I am submitting this formal complaint against the listed furnishers and credit reporting agencies for their continued reporting of inaccurate information, negligent verification procedures, and failure to comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite my previous disputes and notices, the information remains uncorrected, causing ongoing harm to my credit reputation, emotional distress, and financial injury. The actions of these furnishers and the credit bureaus violate my consumer rights under federal law and require immediate CFPB intervention for correction, deletion, and enforcement actions. 

XXXX XXXX XXXXXXXX, AL XXXX This address is inaccurately listed on my credit file. I have never lived, worked, or received mail at this location. Reporting an address that does not belong to me creates confusion in my credit history and violates the FCRA Section 604 and 607 ( b ), which require consumer reporting agencies to maintain the maximum possible accuracy of information. This incorrect address must be permanently deleted to ensure my file reflects only my true and verified residence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX This is not and has never been my address. The inclusion of this address indicates that my personal identifying information may have been mixed with another consumer or used without authorization. The bureau has a duty under FCRA 609 ( a ) and 611 ( a ) to validate any reported data linked to my profile. This address must be deleted immediately to prevent continued inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$29000.00} Late Payment XXXX XXXX  This account is being reported with late payments that are false and unverified. I have no record or documentation showing any delinquency. The credit bureau is required under FCRA 602 ( A ), 607 ( B ), and 611 ( A ) to ensure all reported payment data is verifiable, accurate, and complete. Reporting false late payments damages my creditworthiness and violates my rights. Since the furnisher has failed to provide complete proof validating these alleged lates, this account and its negative information must be deleted immediately from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off XXXX XXXX This account is reporting as a charge-off despite showing a XXXX balance. It is contradictory, incomplete, and unverifiable. The FCRA 607 ( b ) requires that data furnished must be complete and up to date. Reporting a charge-off without balance or supporting records constitutes negligent reporting under FCRA 623 ( a ) ( 1 ) ( A ). I request immediate deletion of this account since no verifiable proof has been provided to justify its charge-off status. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$110.00} Collection XXXX XXXX This collection account is being reported inaccurately. I never received any billing statement or notice from this company, nor did I authorize any account with them. Under FCRA 611 ( a ) and FDCPA 809 ( a ), any collector must validate the debt and provide original account documentation upon request. As no proof of ownership or debt validation has been furnished, this account must be permanently deleted from my file as unverified. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} Collection * This account was never opened or authorized by me. The presence of this alleged collection reflects identity confusion or erroneous data entry. Under FCRA 602 ( a ) and 623 ( b ), furnishers and bureaus must ensure maximum possible accuracy and remove unverifiable data. Since this collector can not validate the account with my signed contract or proof of responsibility, I demand immediate deletion. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$450.00} Collection * XXXX This account is being falsely reported as a collection despite being inaccurate and unverified. I have never had an account in collections with XXXX. This violates FCRA 611 ( a ) and FDCPA 807 ( 8 ), which prohibit false or misleading representations of debt. Since no validation has been provided by the furnisher, this collection must be deleted immediately as unverified and inaccurate. 

XXXX XX/XX/XXXX This hard inquiry was not authorized by me. Under FCRA 604 ( a ) ( 2 ), no entity may pull a consumer report without explicit consent. This unauthorized inquiry damages my credit score and reflects a breach of privacy. Please delete this inquiry immediately and provide confirmation of removal. 

XXXX XXXXXX/XX/XXXX I did not authorize this company to access my credit file. Under FCRA 604 ( a ) ( 3 ), only permissible purpose inquiries may appear on a report. As no application or authorization exists, this inquiry must be deleted immediately. 

XXXX XXXX XXXXXX/XX/XXXX This inquiry was not made by me nor with my consent. Reporting unauthorized inquiries violates FCRA 604 and 609 ( a ). Please remove this inquiry from my credit report and provide confirmation of deletion. 

XXXXXXXX XXXX XXXXXX/XX/XXXX This hard inquiry was never authorized or initiated by me. The bureau is responsible under FCRA 604 and 611 to remove all inquiries that lack permissible purpose. This inquiry must be deleted immediately as it was obtained without my written authorization or legitimate credit request. 

The consistent inaccuracy, lack of proper verification, and negligent maintenance of my personal and credit information constitute serious violations of the FCRA and FDCPA. I request that the CFPB enforce compliance, direct the credit bureaus and furnishers to remove unverifiable or unauthorized items, and impose penalties where necessary. My creditworthiness, reputation, and peace of mind continue to be harmed due to their noncompliance. I am exercising my rights under federal law and demand immediate resolution and corrective action.

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