Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
I am filing this complaint regarding multiple inaccurate, unverifiable, and unauthorized accounts and inquiries appearing on my credit report. Despite my repeated attempts to resolve these issues directly with the furnishers and credit reporting agencies, the inaccuracies remain, causing financial harm, stress, and misrepresentation of my creditworthiness. This complaint is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which obligates accurate reporting and reasonable investigation of disputes. 
XXXX XXXX XXXXXXXX XXXX XXXX Wrong Address Issue : This address is incorrect and has never been associated with me. 
Law : FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires consumer reporting agencies to maintain reasonable procedures to assure maximum possible accuracy. 
Story : I have never lived, worked, or received mail at this address. Its inclusion creates false associations that could affect credit approvals or background checks. This error is misleading, and it could potentially cause creditors to associate me with financial obligations I never undertook. Reporting this false address not only misrepresents my personal history but exposes me to identity confusion and potential fraud risks. Immediate removal is necessary to restore the accuracy of my credit profile. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address Issue : Not connected to my personal information. 
Law : FCRA 609 ( a ) ( 1 ) grants me the right to access and dispute all information in my file and demand removal of unverifiable addresses. 
Story : This address has never been my residence, billing address, or mailing location. Its presence suggests that I may have conducted financial activities from this location, which is entirely untrue. Reporting incorrect addresses undermines the credibility of my credit history, potentially delaying or denying legitimate credit applications. Deleting this incorrect information is essential to comply with federal XXXXaw and prevent further harm. 
XXXX XXXX XXXX XXXXXXXX XXXX High Balance : {$300.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX Issue : Alleged charge-off is inaccurate and unverifiable. 
Law : FCRA 609 ( a ) ( 1 ) & 611 ( a ) require verification of account ownership and accuracy. FDCPA 807 ( 8 ) prohibits false credit reporting. 
Story : I have no record of defaulting on this account. No original signed agreement or detailed payment history has been provided to substantiate this charge-off. Reporting this unverified debt as a charge-off misrepresents my creditworthiness, causing undue harm to my ability to obtain loans, mortgages, or other financial products. If you can not provide original documentation proving this accounts validity, it must be immediately removed. 
XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX  Issue : Incorrect charge-off entry. 
Law : FCRA 623 ( b ) mandates reinvestigation upon dispute. 
Story : I have no record of this charge-off, and no evidence has been provided by the creditor to validate it. Reporting this incorrect charge-off negatively impacts my credit rating and misleads potential creditors. This entry must be investigated and removed unless verified. 
XXXX XXXX XXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX  Issue : Collection reporting without validation. 
Law : FDCPA 809 ( b ) & FCRA 611 ( a ) require debt validation before reporting. 
Story : I never received notice of this debt before its reporting. This violates my right to validation and creates a false impression of financial delinquency. Continuing to report this collection without proof is a legal violation and harms my credit standing. Immediate deletion is required. 
XXXX XXXX XXXX  XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX Issue : Unsubstantiated collection account. 
Law : FDCPA 807 ( 8 ) & 809 ( b ) apply. 
Story : No original documents link me to this debt. Reporting it as a collection without validation is unlawful and damaging to my credit profile. Verification must be provided, or the account must be removed. 
XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$820.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX Issue : Inaccurate and unverified debt. 
Law : FCRA 611 ( a ) & FDCPA 809 ( b ). 
Story : I have never received proper notice or documentation for this debt. Reporting it falsely implies financial delinquency and undermines my creditworthiness. Immediate removal is required to comply with federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$820.00} | Date Opened : XX/XX/XXXX | Collection XXXX XXXX Issue : This account is inaccurately reported as a collection. I never received proper notice of any debt and never authorized XXXX XXXX XXXX to report this information to credit bureaus. 
Law : Under FCRA 1681i ( a ), I have the right to dispute inaccurate information and require the credit bureau to conduct a reasonable investigation. 
Story : Despite my repeated attempts to obtain verification of this alleged debt, XXXX XXXX XXXX has failed to provide any legally valid documentation proving that I owe this amount. The reporting of this account has caused undue stress and has negatively impacted my ability to secure credit. As a consumer, I am entitled to fair and accurate reporting, yet this accounts presence is a clear violation of my rights under federal law. 
XXXX XXXX XXXX XXXXXXXX XXXX High Balance : {$1300.00} | Date Opened : XX/XX/XXXX | Collection Issue : This account is reported without proper validation and is inaccurately marked as a collection. 
Law : FCRA 1681s-2 ( b ) obligates furnishers to report only accurate information and correct errors when discovered. 
Story : I have never received a valid invoice or contract that confirms this debt. Reporting this account without verification constitutes a willful misrepresentation and violates my rights. Each negative entry affects my financial reputation and hinders my ability to engage in essential financial transactions. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$2100.00} | Date Opened : XX/XX/XXXX | Collection Issue : Falsely reported collection without proper verification. 
Law : FCRA 1681i ( a ) ( 1 ) ( A ) mandates that a credit reporting agency must conduct a reasonable investigation upon notice of dispute. 
Story : I formally requested validation of this account, yet no evidence proving the legitimacy of the debt was provided. The continued reporting of this account not only misrepresents my financial standing but also demonstrates negligence in the legal obligations of the creditor. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$1300.00} | Date Opened : XX/XX/XXXX | Collection Issue : Inaccurate and unverifiable collection reporting. 
Law : Under FCRA 1681e ( b ), furnishers must ensure that all information provided to credit reporting agencies is accurate. 
Story : This accounts erroneous reporting has caused repeated denials of credit and financial opportunities. I have maintained consistent efforts to rectify this situation, yet XXXX XXXX XXXX has failed to comply with federal standards of accuracy, demonstrating blatant disregard for consumer protection laws. 
XXXX XXXX XXXX  XXXXXXXX XXXX XXXX High Balance : {$1300.00} | Date Opened : XX/XX/XXXX | Collection Issue : Reported as collection with no supporting documentation or verification. 
Law : FCRA 1681i ( a ) ( 2 ) requires removal or correction of inaccurate data following a verified dispute. 
Story : I requested validation multiple times, yet the creditor failed to provide legitimate proof. This repeated inaccuracy not only damages my XXXX XXXX but also constitutes harassment, violating my rights as a consumer seeking fair and lawful reporting. 
XXXX XXXX XXXX XXXXXXXX XXXX  High Balance : {$1400.00} | Date Opened : XX/XX/XXXX | Collection Issue : Collection account reported without proper legal basis or verification. 
Law : FCRA 1681s-2 ( a ) ( 1 ) mandates accurate reporting and correction of errors by furnishers.

Story : The ongoing misreporting of this account has caused measurable harm, including loan denials and increased financial burden. My repeated disputes have been ignored, violating the principle of due diligence and accuracy mandated by law. 
Inquiry : XXXX XXXX | XX/XX/XXXX Issue : Unauthorized hard inquiry on my credit report. 
Law : FCRA 604 ( a ) ( 3 ) allows inquiries only with consumer authorization. 
Story : I did not authorize XXXX XXXX to perform this credit inquiry. The unauthorized inquiry represents a violation of my legal rights and negatively affects my credit score, further demonstrating negligence in compliance with federal regulations.

Inquiry : XXXX XXXX | XX/XX/XXXX Issue : Unauthorized hard inquiry. 
Law : FCRA 604 ( a ) ( 3 ) must obtain consumer consent.

Story : This inquiry was conducted without my knowledge or permission, constituting a breach of my consumer rights and contributing to an inaccurate portrayal of my creditworthiness. 
Inquiry : XXXX | XX/XX/XXXX Issue : Unauthorized hard inquiry. 
Law : FCRA 604 ( a ) ( 3 ).

Story : This inquiry was performed without consent, causing a negative effect on my credit profile and representing a clear violation of federal law.

Inquiry : XXXX | XX/XX/XXXX XXXX : Unauthorized hard inquiry. 
Law : FCRA 604 ( a ) ( 3 ).

Story : This inquiry was conducted without my approval, which is a clear violation of federal law and has negatively affected my financial reputation. 
I request that all inaccurate, unverifiable, and unauthorized accounts and inquiries be immediately removed or corrected and that I receive written confirmation of these corrections. Failure to correct these errors will compel me to seek legal remedies under the FCRA, including statutory damages, attorney fees, and other remedies as allowed by 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 explanation