Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
I am writing this formal complaint to bring to the attention of the Consumer Financial Protection Bureau ( CFPB ) a series of serious violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite my numerous attempts to dispute and resolve multiple inaccuracies, incorrect information continues to appear on my credit report, including false addresses, late payments that I did not incur, charge-off entries that were never properly validated, and several unauthorized hard inquiries that were made without my consent or permissible purpose. I have contacted the major credit reporting agencies ( Experian, Equifax, and TransUnion ) and the furnishers of these accounts, yet no valid proof or investigation results were provided. Therefore, I am requesting that the CFPB urgently intervene, initiate a full investigation, and compel the responsible parties to permanently delete these items from my credit report in accordance with the law. 
ADDRESS DISPUTES XXXX XXXX XXXX XXXX, CA XXXX LAW : FCRA 609 ( c ) ( 2 ) ( E ), 602 ( A ), 611 ISSUE : Inaccurate Address Reporting STORY : I have never resided at this location and have no known affiliation with it. Reporting this incorrect address is misleading and damaging to the accuracy of my credit report. It appears to be a result of merged or misreported data. This violates my right to accurate information. 

XXXX XXXX XXXX XXXX, CA XXXX LAW : FCRA 609 ( c ) ( 2 ) ( E ), 602 ( A ), 611 ISSUE : Reporting of an Unfamiliar Address STORY : This address is unfamiliar and not connected to me in any capacity. Its presence on my report may indicate identity confusion or file mixing. I request its immediate deletion. 

ACCOUNT DISPUTES XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff LAW : FCRA 611, 602 ( B ), FDCPA 807 ( 8 ) ISSUE : Reporting Charged-Off Account With {$0.00} Balance STORY : This account reflects a {$0.00} balance yet remains listed as a charge-off, which is contradictory. If the balance is zero, the account should be closed in good standing or removed entirely. Please correct or delete this inconsistency immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00} Late Payment * * LAW : FCRA 611, 607 ( b ), 602 ( A ) ISSUE : Inaccurate Late Payment Report STORY : I dispute the late payment reporting. I made timely payments or had a justified delay due to financial hardship, and no notice of delinquency was provided. Please validate this record with original payment logs or delete it. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$890.00} Chargeoff * * LAW : FCRA 611, FDCPA 809 ( b ) ISSUE : Unverified Charge-Off STORY : I do not recall opening this account or authorizing credit from this creditor. This charge-off is unverified and must be substantiated with a signed contract or original application. Otherwise, remove it. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$880.00} Late Payment * * LAW : FCRA 611, 607 ( b ) ISSUE : Late Payment Reporting Within 30 Days of Opening STORY : This account reflects a late payment shortly after it was opened, which is suspicious and potentially erroneous. I challenge the accuracy of this record and demand verification or deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$19000.00} Chargeoff * * LAW : FCRA 611, FDCPA 809 ( b ) ISSUE : Large Balance Charge-Off Not Validated STORY : This charge-off is not familiar, and I request all supporting documentation including payment history, original agreement, and itemized statements. Without this, remove the account. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * LAW : FCRA 611, 602 ( B ) ISSUE : Late Payment Reported on {$0.00} Balance STORY : This account shows a {$0.00} balance yet is being reported as late. That is logically inconsistent and unfairly penalizes me. Please investigate and correct or delete this record. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$120000.00} Collection * * LAW : FCRA 611, FDCPA 809 ( a ) - ( b ) ISSUE : High Balance Collection Without Proper Validation STORY : This collection account carries a large balance, and I have not received any notice, contract, or breakdown validating the debt. Without adequate verification, this is an FCRA violation and must be deleted. 

INQUIRY DISPUTES XXXX XX/XX/XXXX Inquiry LAW : FCRA 604 ( a ) ( 3 ), 607 ISSUE : Unauthorized Hard Inquiry STORY : I did not authorize this hard inquiry and never initiated credit with this company. This negatively impacts my score and violates my consumer rights. Remove it immediately. 

XXXX BANK XX/XX/XXXX Inquiry LAW : FCRA 604 ( a ) ( 3 ) ISSUE : Inquiry Without Permissible Purpose STORY : This inquiry was not initiated or authorized by me. Please provide proof of permissible purpose or delete it. 

XXXX XX/XX/XXXX Inquiry LAW : FCRA 604, 602 ( A ) ISSUE : Inquiry Not Initiated by Me STORY : I did not apply for credit with this lender, and no business relationship exists. This is unauthorized and should be removed. 

The continued reporting of false addresses, inaccurate late payments, unverifiable charge-offs, and unauthorized credit inquiries is causing significant financial harm, emotional distress, and reputational damage. These entries are not only misleading but also unlawful under multiple provisions of the Fair Credit Reporting Act. I have exhausted all direct options with the credit bureaus and furnishers, yet the information remains uncorrected. Therefore, I am requesting the CFPB to immediately investigate these violations, hold the responsible data furnishers and reporting agencies accountable, and compel them to remove all inaccurate and unauthorized entries listed in this complaint. I demand full compliance with the FCRA and the permanent correction of my credit report.

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