Consumer complaint received 2025-09-27 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:
I am writing to file a formal complaint against several creditors, debt collectors, and credit reporting agencies for serious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. These violations include the reporting of inaccurate addresses, wrongful late payments, unlawful charge-offs, and collection entries that are either unverifiable, misleading, or not in compliance with federal law.

Under the FCRA, consumer reporting agencies and furnishers of information have a duty to report complete and accurate information ( 1681e ( b ) ) and must conduct a reasonable investigation when disputes are filed ( 1681i ). The FDCPA prohibits debt collectors from making false, deceptive, or misleading representations ( 1692e ). My rights under these laws have been violated repeatedly.

Wrong Addresses Reported XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX, TX XXXX These addresses do not belong to me and have been wrongfully associated with my credit file. The inclusion of these addresses violates FCRA 1681e ( b ) as they are inaccurate and misleading, creating the false impression that I have lived at or used these locations. This compromises the integrity of my consumer file and subjects me to potential fraud risks. 

Accounts with Inaccurate and Unlawful Reporting XXXX XXXXXXXX ( High Balance {$420.00}, Opened XX/XX/XXXXXXXX  Late Payment ) This furnisher has reported late payments that are inaccurate and unverifiable. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers may not report information they know or should know is inaccurate. No proper validation has been provided despite prior disputes. 

XXXX XXXX XXXXXXXX XXXX ( High Balance {$470.00}, Opened XX/XX/XXXXXXXX  Charge Off ) This account has been reported as a charge-off, yet the balance and reporting are inconsistent with XXXX XXXX own records. A charge-off designation without accurate substantiation constitutes a willful violation of FCRA 1681n. 

XXXX XXXX ( High Balance {$1200.00}, Opened XX/XX/XXXX Late Payment ) This creditor is reporting late payments without providing adequate proof of billing, statements, or validation. This is a violation of FCRA 1681i ( a ) as the account was disputed but remains inaccurately reported. 

XXXX XXXX XXXX ( High Balance {$630.00}, Opened XX/XX/XXXXXXXX  Charge Off ) XXXX XXXX continues to report this account as charged off without proper validation. This misrepresentation falls under FDCPA 807 ( 8 ) ( communicating false information to third parties ). 

XXXX XXXX XXXX XXXX ( High Balance {$970.00}, Opened XX/XX/XXXXXXXX  Charge Off ) This account was marked charged off even though no proper validation or itemization of debt has been provided. This violates FDCPA 809 ( a ), which requires collectors to provide verification of debt. 

XXXXXXXX XXXX XXXX XXXX XXXX High Balance {$24000.00}, Opened XX/XX/XXXXXXXX   Charge Off ) The balance is being misreported and continues to appear despite prior disputes. This constitutes a failure to correct inaccuracies under FCRA 1681s-2 ( b ). 

XXXX XXXXXXXX ( High Balance {$720.00}, Opened XX/XX/XXXX Late Payment ) XXXX has reported false late payments without sending proper monthly statements or proof. This is inaccurate reporting and falls under FCRA 1681e ( b ). 

Improper Collection Accounts XXXX XXXX XXXX XXXX XXXX ( {$250.00}, Opened XX/XX/XXXXXXXX  ) XXXX XXXX XXXX ( {$4800.00}, Opened XX/XX/XXXXXXXX  ) XXXXXXXX XXXX XXXXXXXX ( {$360.00}, Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( {$160.00}, Opened XX/XX/XXXXXXXX  ) XXXX XXXX XXXX XXXX ( {$6500.00}, Opened XX/XX/XXXX ) These debt collectors have reported collections without providing validation of the debt as required by FDCPA 809 ( b ). Reporting debts without proof is deceptive and constitutes a violation of 807. Additionally, they have re-aged accounts in some instances, unlawfully extending the reporting period beyond the 7-year limit defined in FCRA 1681c ( a ) ( 4 ). 

Improper and Excessive Inquiries XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXXXXXX  & XX/XX/XXXXXXXX  ) XXXXXXXX  ( Inquiry ) These inquiries were performed without my authorization. Under FCRA 1681b ( f ), a consumer reporting agency may not furnish a consumer report to a user without a permissible purpose. These unauthorized inquiries damaged my creditworthiness and privacy. 

Final Statement The pattern of misconduct across these accounts demonstrates a systemic failure to comply with federal law. My rights under the FCRA and FDCPA have been willfully violated, and the continued presence of inaccurate addresses, unverifiable late payments, wrongful charge-offs, and unauthorized inquiries has caused me financial and emotional harm.

I am demanding that the CFPB take immediate regulatory action to investigate these violations and enforce compliance. I further request that the inaccurate accounts, addresses, charge-offs, late payments, collections, and unauthorized inquiries be permanently deleted from my credit reports as required under federal 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