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: GA

Complaint narrative:
b'This is a formal complaint under the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681, the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692, and related consumer protection laws I am demanding immediate investigation, deletion, and correction of false, inaccurate, and unverifiable information being reported on my credit profile The continued reporting of these items is unlawful, damaging, and constitutes willful negligenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis address has never been mine and is being falsely associated with my personal credit file This creates serious confusion and risks linking me to accounts or debts that do not belong to me Under FCRA 607(b), consumer reporting agencies are required to maintain maximum possible accuracy By associating me with this incorrect address, the bureaus are failing their duty This error has already raised red flags in credit decisions, and I have been subjected to questions and delays during applications because creditors believe I have lived at multiple locations where I never resided This is harmful, misleading, and a direct violation of my rightsXXXX XXXX XXXX XXXX XXXX XXXX   Wrong Address\nThis Florida address is not mine and has no connection to me whatsoever Reporting such false information is reckless, damaging, and negligent Because of this entry, I am being linked to possible fraudulent activity or mistaken identity This harms my ability to obtain credit, housing, and employment background checks Lenders assume I am unstable or attempting to conceal my true residence which is defamatory and creates lasting harm FCRA 609 and 611 give me the right to demand correction, reinvestigation, and deletion of unverifiable personal data I am demanding immediate removal of this wrong address\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis alleged account is being reported as a charge-off with an enormous high balance of XXXX which is not mine and has never been validated to me No signed contract, billing history, or assignment of debt has been provided to prove its legitimacy Under FCRA 609(a)(1)(A) I have the right to demand proof of all information being reported and under FDCPA 809 creditors and collectors must provide validation upon request The balance reported is highly suspicious and grossly inflated which signals inaccurate and possibly fraudulent reporting Because of this false entry I have been denied credit, faced higher interest rates, and my reputation has been damaged This is financial harm caused by negligence and must be removed immediatelXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off\nThis account is being reported as charged off which is false and misleading The balance is unverifiable and Capital One has failed to provide any lawful documentation including the original signed contract and full billing records FCRA 623 requires furnishers of information to report accurately and correct errors after notice This account has caused me embarrassment and denial of credit since lenders view it as a failure to pay when in reality there is no proof that this account is mine or that the debt is legitimate I am being punished financially and reputationally for an unverified and inaccurate entry I demand deletion under my legal rights\XXXX XXXX XXXX  High Balance: XXXX XXXX XXXX XXXX  Late Payment**\nThis account is being reported with multiple late payments which is inaccurate and not backed by proof No billing statements or contractual records have been provided to establish the validity of these lates Under FCRA 607(b) the reporting agency must ensure maximum possible accuracy and USAA FSB has failed to comply This false reporting has unfairly dropped my credit score and caused lenders to deny me financing opportunities even though the account is unverifiable and incomplete I demand deletion or correction immediatelyXXXX XXXX  High Balance: XXXX XXXX XXXX XXXX   Charge Off**\nThis Stellantis account is listed as a charge-off with a very high balance of XXXX  which is inaccurate, misleading, and unproven No validation has been provided including original contract, billing history, or assignment of debt Reporting a charge-off without verification is a violation of FCRA 609(a)(1)(A) and FDCPA 807 which prohibits false representation of debt Because of this reporting I have faced serious financial harm including denial of credit and negative impact on employment background checks This is defamatory and unlawful and I demand full deletion immediatelXXXX XXXX XXXX High Balance: $10,000 Date Opened: XXXX   Late Payment*\nThis entry reflects false late payment reporting with no evidence provided I have never received billing history or proper validation to justify these derogatory marks The FCRA requires accuracy and completeness and this entry violates those protections I have suffered lowered credit scores and embarrassment when applying for credit due to this false reporting I demand removal of these unverifiable latesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment*\nThis is another entry under XXXX XXXX  being reported with late payments The duplication itself is suspicious and the derogatory marks are unverifiable and inaccurate I have requested proof yet no contract or proper statements have been provided Under FCRA 611 I am entitled to reinvestigation and deletion of unverifiable data This inaccurate entry must be removed immediately as it causes unfair harm to my financial profilXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Late PaymentXXXX XXXX is reporting this account with late payments that are not backed by verifiable records Without providing contractual documents or payment history they are in violation of FCRA 609 and 623 Reporting derogatory marks without proof is misleading and harmful This account is damaging my credit reputation and directly preventing me from securing favorable loan terms I demand deletion or correctionXXXX XXXX XXXX XXXX  High BalanceXXXX XXXX  Date Opened: XXXX XXXX XXXXThis entry is reporting late payments that are inaccurate for such a small loan amount The reporting furnisher has not provided lawful evidence to prove that these late marks are valid Inaccurate reporting of small accounts unfairly magnifies harm to my score and creditworthiness Under FCRA this account must be corrected or deleted since no supporting proof has been presentedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account is being reported as a charge-off with a large balance of XXXX  yet no proof has been supplied to establish its validity The reporting of charge-offs without contract, payment records, or debt validation is a violation of FCRA 609 and FDCPA 809 This account has caused me to be denied vehicle financing and personal loans which is unfair harm resulting from unverified data I demand immediate deletion\XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened: XXXX XXXXnThis collection account is inaccurate and unverifiable Credit Collection has failed to provide me with any lawful validation, original contract, or billing history Reporting collections without proof is a direct violation of FDCPA 809 and FCRA 609 Because of this false entry my creditworthiness has been damaged and I have been denied financing opportunities This account must be deleted immediately as it is unverifiable and harmful\XXXX XXXX  High Balance: XXXX XXXX XXXX XXXX XXXXThis account is listed as a collection yet no lawful documents have been provided to establish its validity There is no proof of original creditor, no signed contract, and no chain of assignment Without such documentation this reporting is unlawful under FCRA 611 and FDCPA 807 Reporting unverifiable debts is defamatory and has caused me to suffer financial and emotional harm I demand deletion of this account immediately\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs a known debt buyer that often cannot validate debts This collection account is inaccurate, unverifiable, and reported in violation of FDCPA 809 and FCRA 607(b) No original contract or proper validation has been supplied Despite repeated disputes this account continues to harm my score and prevent me from obtaining fair credit terms This is negligent, misleading, and must be deletedXXXX XXXX XXXX XXXX   Inquiry\nThis inquiry is being reported without my consent I never gave this credit union permission to access my file Unauthorized inquiries constitute a violation of federal law and must be deletedXXXX XXXX XXXX XXXX   Inquiry\nThis is another unauthorized inquiry from XXXX XXXX XXXX XXXX XXXX Multiple unlawful inquiries are evidence of reckless and negligent reporting I never authorized them to pull my credit This must be removedXXXX XXXX XXXX XXXXThis inquiry is inaccurate and unauthorized I never submitted an application or consent to XXXX XXXX Accessing my file without authorization violates FCRA 604 I demand deletion\nBecause of these inaccurate addresses, unverified accounts, collections, and unauthorized inquiries I have suffered financial harm, repeated denials of credit, higher interest rates, and emotional distress Under FCRA 611(a) I am entitled to reinvestigation within 30 days Failure to correct these violations will lead me to escalate to the FTC, OCC, State Attorney General, and pursue civil remedies under FCRA 616 and 617\nI demand full deletion of all above accounts, collections, inquiries, and addresses from my credit report as they are inaccurate, unverifiable, and damaging I expect written confirmation of the reinvestigation and outcome within the time allowed by 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 non-monetary relief