Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies, unverifiable accounts, unauthorized inquiries, and false addresses appearing on my credit reports. Despite my previous disputes with the credit bureaus, these errors remain unresolved, violating my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB to investigate these issues thoroughly and take regulatory action against the data furnishers and credit reporting agencies who have failed to comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address Law : FCRA 602 ( A ), 607 ( B ) Issue : This is not a valid address for me Story : This XXXX XXXXXXXX is not associated with any verified personal, financial, or utility record under my identity. Please remove it immediately as its presence is inaccurate and misleading. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Chargeoff XXXX XXXX  Law : FCRA 605 ( b ), 602 ( A ), 609 ( a ) ( 1 ) Issue : This account is inaccurate and contains unverifiable information Story : This account reflects a charge-off status and an outstanding balance that I do not recognize. I have not received any validation of this debt and do not believe this information to be accurate. Please verify the debt, furnish supporting documentation, or delete it permanently. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Chargeoff XXXX XXXX Law : FCRA 609 ( a ) ( 1 ), 602 ( A ), 611 ( a ) Issue : This charged-off account is being inaccurately reported Story : This XXXX account shows a high balance and charge-off status with no supporting documents provided. I formally request a reinvestigation and full validation under Section 609. If the information can not be verified, it must be removed. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff XXXX XXXX  Law : FCRA 609 ( a ) ( 1 ), 611 ( a ), 602 ( A ) Issue : This charge-off is unverified and possibly misreported Story : I never opened this account or authorized any use. If this account is inaccurately attributed to me, it must be removed. I request full documentation or deletion. 

XXXX XXXX XXXX XXXX  Chargeoff XXXX XXXX Law : FCRA 611 ( a ), 605 ( b ), 602 ( A ) Issue : Inaccurate and outdated charge-off reporting Story : This account appears incorrect as I have no knowledge of any contract or obligation with XXXX. No valid documentation has ever been provided. I request immediate deletion if it can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment XXXX XXXX  Law : FCRA 611 ( a ), 607 ( b ), 602 ( A ) Issue : Late payments are being reported inaccurately Story : This account reports late payments that I do not recall making late. I request documentation showing the dates and proof of these delinquencies. If verification can not be provided, please remove the negative marks. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment XXXX XXXX Law : FCRA 611 ( a ), 607 ( b ), 602 ( A ) Issue : Reported late payments are inaccurate Story : This account is reporting late payments despite showing a {$0.00} balance, suggesting the account is closed. Please investigate and remove any inaccurate derogatory reporting if documentation can not be provided. 

XXXX XX/XX/year> Inquiry Law : FCRA 604 ( a ) ( 3 ), 604 ( c ) ( 1 ) ( B ) Issue : Unauthorized inquiry Story : I did not authorize this inquiry. Under the FCRA, hard inquiries require my explicit permission. Please remove this inquiry as it was done without my knowledge or consent. 

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these matters. The data furnishers and credit reporting agencies have failed to comply with the FCRA by reporting inaccurate, unverifiable, outdated, and unauthorized information on my credit report. I am requesting full deletion of the accounts, inquiries, and addresses listed above. I have attached supporting documents including my identification and proof of residence for verification purposes. Please take enforcement action as appropriate to ensure my rights are protected and restored.

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