Consumer complaint received 2025-11-04 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 regarding multiple inaccurate and harmful items that have been reported or maintained on my credit profile without proper verification, in violation of federal laws protecting consumers from false, outdated, or unverified information. My consumer rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable laws have been violated. I request that CFPB investigate these matters and ensure all inaccurate or unverifiable information is deleted or corrected immediately. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This address does not belong to me and is being falsely reported on my file. Reporting inaccurate address information is a direct violation of FCRA Section 607 ( B ) which requires data furnishers to maintain accuracy and integrity. 

XXXX XXXX XXXX XXXX, CA XXXX This is not my residential or mailing address and should be permanently removed. Keeping this address linked to my profile misrepresents my identity. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} This account is reported as a charge-off, which is false and damaging. I have never authorized nor defaulted in a manner that qualifies as a charge-off. Reporting such inaccurate information without proper validation breaches FCRA Section 611 ( a ) and 623 ( a ) ( 1 ) ( A ), as well as the FDCPA Section 807 ( 8 ) for communicating false credit information. I request verification of original documents proving this debts legitimacy and my contractual obligation ; otherwise, delete this account from my credit file immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} This account is being reported with a late payment that never occurred. Reporting a late payment after the account has a {$0.00} balance is inaccurate and deceptive. Such reporting violates FCRA Section 607 ( B ) and Section 623 ( a ) ( 2 ) for failure to update and correct information known to be incomplete or incorrect. I demand deletion of this misinformation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} This account shows a late payment that is incorrect. I always made timely payments. Reporting otherwise violates FCRA 602 ( A ) and 607 ( B ) for failure to ensure accuracy and FDCPA 807 ( 2 ) ( A ) for misrepresentation of the character of a debt. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} This is a collection account that was never authorized by me. I have not received any notice of validation or debt ownership as required under FDCPA Section 809 ( a ). The appearance of this account without proper verification is a violation of FCRA 611 ( a ) and FDCPA 807 ( 8 ). Please provide full proof of authorization, or delete this collection from my report. 

INQUIRIES XXXX  XX/XX/XXXX I did not authorize this inquiry. Under FCRA Section 604 ( a ) ( 2 ), a consumer report may not be accessed without a permissible purpose. Remove this inquiry immediately. 

XXXX XXXX XXXXXX/XX/XXXX This inquiry was made without my written consent or credit application, violating FCRA 604 and 609 ( a ) ( 1 ). 

XXXX XXXX XXXX XX/XX/XXXX No authorization or application was submitted by me to justify this hard inquiry. Such access violates my privacy and FCRA Section 604 ( a ) ( 3 ).

I respectfully demand that the Consumer Financial Protection Bureau conduct a full investigation into these violations and ensure that the credit bureaus and furnishers involved provide proof of compliance or delete the erroneous and unauthorized items entirely. The ongoing harm to my creditworthiness and privacy rights is unacceptable, and I seek immediate relief under the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

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