Consumer complaint received 2025-11-10 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:
To Whom It May Concern, this complaint is being submitted for the violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) due to inaccurate reporting, failure to ensure accuracy, and failure to obtain permissible purpose before conducting an inquiry. The listed address, accounts, and inquiries are being disputed as they are either inaccurately reported, outdated, or obtained without authorization. I am requesting immediate investigation, deletion of inaccurate items, and enforcement of compliance by all parties involved under the laws stated below. 

XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX These addresses are incorrect and unverified. They were never associated with any of my verified applications or lawful credit relationships. Reporting such inaccurate identifying information violates FCRA 602A, 607 ( B ), and 611 ( a ) because it fails to ensure maximum possible accuracy in the consumers credit file. 

XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Late Payment * * This account was never delinquent, and no record supports the late payment reporting. The furnisher has not provided any proof of accurate delinquency history or verified billing statements. Continued publication of this unverifiable data violates FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ) for failing to validate during reinvestigation. 

XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} Charge Off * * This alleged charge-off has not been substantiated by the original creditor. No valid evidence of default or proper accounting adjustment has been produced. Reporting this account as a charge-off without verification constitutes willful noncompliance with FCRA 623 ( a ) ( 1 ) ( B ) and FDCPA 807 ( 8 ), as the data provided misrepresents my true financial conduct. 

XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Late Payment * * This account shows false late payments that were previously disputed. The bureau and furnisher have not conducted a lawful reinvestigation as required under FCRA 611 ( a ) ( 1 ) ( C ). Reporting this item without documented proof of delinquency is misleading, damaging, and unlawful under FCRA 607 ( B ). 

XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} Late Payment * * The alleged late payments are unsupported by any verified Department of Education record . Failure to validate this claim during prior investigation violates FCRA 611 ( a ) ( 5 ) ( B ) and 623 ( a ) ( 3 ). The continuous reporting of inaccurate federal loan data harms my credit integrity. 

XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$22000.00} Late Payment * * No verified record exists confirming delinquency or default. Reporting unverifiable information regarding federal student loans without supporting documentation is a violation of FCRA 607 ( B ) and 611 ( a ). This demonstrates a lack of reasonable procedures to ensure accuracy. 

XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$39000.00} Charge Off * * The alleged charge-off is inaccurate and unverified. The creditor has failed to produce original account records or payment validation documents. Continued reporting constitutes violation of FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 2 ) ( A ), which prohibit furnishing false or misleading credit information. 

XXXX XXXX Account No : XXXX Balance Owed : {$10000.00} Charge Off * * This account has been misreported as a charge-off. No lawful verification or proof of charge-off procedure was presented. This violates FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( b ) ( 1 ), which require the furnisher to investigate and correct or delete inaccurate information. 

XXXX  XXXX Account No : XXXX Balance Owed : {$1100.00} Charge Off * The charge-off reporting is unsupported by valid documentation. Failure to verify account ownership and accuracy after prior dispute violates FCRA 611 ( a ) ( 5 ) ( A ) and FDCPA 807 ( 8 ). This data must be deleted immediately for lack of validation. 

XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5600.00} Late Payment * * The alleged delinquency is not verifiable by any legitimate records. This continued reporting without correction violates FCRA 623 ( a ) ( 3 ) and 607 ( B ), demonstrating noncompliance with accuracy and reinvestigation obligations. 

XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4700.00} Late Payment * * No substantiated proof of late payments has been provided. Reporting unverifiable data without clear evidence violates FCRA 611 ( a ) and 623 ( b ). 

XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5300.00} Late Payment * * The furnisher has failed to validate this accounts delinquency after my first dispute. Continued inaccurate reporting breaches FCRA 611 ( a ) ( 5 ) ( B ) and FDCPA 807 ( 2 ) ( A ), which prohibit false representation of debt status. 

XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5600.00} Late Payment * * This entry remains unverifiable, with no supporting evidence of delinquency or default. Reporting such inaccurate federal data violates FCRA 602A and 607 ( B ). 

XXXX  Account No : XXXXXXXX XXXX XXXX Balance Owed : {$8400.00} Charge Off * * This account was reported as a charge-off with no proof of validation or original documentation. This act violates FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 8 ) as it continues to misrepresent my financial behavior. 

XXXX XXXX Account No : XXXX Balance Owed : {$0.00} Late Payment * * An account with a XXXX balance should not reflect late payments. The reporting of this incorrect data without validation violates FCRA 607 ( B ) and 611 ( a ) ( 1 ) ( A ). 

XXXX Account XXXX : XXXX XXXX XXXX  Balance Owed : {$230.00} Collection * * This alleged collection account is unverified. The collector failed to provide documentation proving debt ownership or assignment. Continued reporting of unverifiable debt violates FDCPA 809 ( b ) and FCRA 611 ( a ). 

XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$780.00} Collection * * XXXX XXXX  has not produced original creditor documentation or proof of account transfer. Reporting unverifiable collection data violates FCRA 611 ( a ) ( 1 ) ( C ), 623 ( a ) ( 1 ) ( A ), and FDCPA 807 ( 8 ). 

XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Collection * * The reporting of this collection account with a XXXX balance is inaccurate and misleading, violating FCRA 607 ( B ) and 623 ( a ) ( 2 ). The account should be deleted as it serves no valid reporting purpose. 

XXXX XXXX Date : XX/XX/year> This inquiry was made without my authorization or any permissible purpose under FCRA 604 ( a ) ( 2 ). Reporting or maintaining this inquiry without consent is a violation of FCRA 607 ( A ) and 615 ( b ). I demand its immediate removal. 

In conclusion, these violations demonstrate negligence and disregard for consumer rights. I am requesting immediate action to delete or correct the inaccurate information and remove any unauthorized inquiries from my credit report. Please hold the responsible furnishers and bureaus accountable under federal law. If these errors are not corrected, I reserve the right to seek further legal remedies for damages caused by inaccurate reporting, unauthorized inquiry, and violations of the FCRA and FDCPA.

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