Consumer complaint received 2025-10-01 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:
Dear CFPB, I am filing this formal complaint regarding multiple inaccurate collection accounts and unauthorized credit inquiries that are being reported on my credit file. These items are in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and in some cases, the Fair Debt Collection Practices Act ( FDCPA ). These false entries have caused me significant financial harm, emotional distress, and denials of credit. 
The following inaccurate accounts and inquiries are being reported against me : XXXX XXXX XXXX XXXX, XXXX, XXXX Wrong Address I have never lived at or used this address in any way whatsoever, it is completely inaccurate and its presence on my file is misleading and defamatory, creating confusion and mixing my identity with unrelated persons. 
XXXX XXXX XXXX Open Date XXXX XXXX, XXXX High Balance {$930.00} Charge Off I do not have nor have I ever had any account with XXXX under these terms. I never authorized this account and I have no knowledge of it. It is an unverified and fraudulent entry that is causing direct harm to my creditworthiness and life opportunities. Under 15 U.S.C. 1681i, you are obligated to investigate and delete unverifiable information. 
XXXX XXXXXXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$37000.00} Charge Off I dispute this account in full. I never opened any account with XXXX XXXX. There is no contract, no signed agreement, and no validation of debt. Its continued reporting without proof constitutes negligent misrepresentation and defamation. Delete this item from my credit report without delay. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$510.00} Late payment This entry is inaccurate because I have never made any late payments under any such account, nor do I recognize this account. The reporting of late payment is false, misleading, and harmful to my creditworthiness. Under FCRA 1681i, unverifiable and inaccurate information must be corrected. I demand the correction of this history immediately. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$1000.00} Charge Off I do not recognize this account and have no connection to it. This reporting is inaccurate, fraudulent, and unverifiable. It is being reported without any supporting documentation and is a violation of consumer protection laws. It must be deleted right away. 
XXXX XXXX Date Opened XX/XX/XXXX High Balance {$2100.00} Collection I have no knowledge of this account and never authorized or agreed to any such obligation. No contract, no signature, and no validation has ever been produced. Reporting this alleged debt without proof is a direct violation of my rights under the FDCPA and FCRA. This entry must be deleted immediately. 
XXXX XXXX XXXX XXXXXXXX Date Opened XXXX XXXX, XXXX High Balance {$1300.00} Collection I dispute this account in its entirety. I do not recognize it, I never opened it, and I never authorized any such debt. It is being reported recklessly without any validation. This is inaccurate and unlawful reporting that is harming my creditworthiness. I demand deletion immediately. 
XXXX XXXX XXXX Date Opened XX/XX/XXXX High Balance {$1200.00} Collection I dispute this account as fraudulent and inaccurate. I have no knowledge of this debt, never agreed to it, and no signed contract exists. XXXX XXXX has a history of purchasing unverifiable debts and reporting them inaccurately, and this is XXXX such instance. Delete this account immediately. 
XXXX XXXXXX/XX/XXXX Inquiry I never authorized this inquiry, I never applied for credit with XXXX, and therefore it is unauthorized. Reporting unauthorized inquiries is a violation of FCRA 604 ( a ). This inquiry must be deleted. 
Requested Resolution : Permanent deletion of the inaccurate XXXX XXXX collection accounts. 
Removal of all unauthorized credit inquiries listed above. 
Enforcement action to ensure these companies comply with the FCRA and FDCPA. 
I am requesting the CFPB to investigate these violations and take action to ensure that my credit file is corrected and that the responsible parties are held accountable for their unlawful reporting.

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