Consumer complaint received 2025-10-14 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:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ) because multiple inaccurate, false, and misleading items have been reported on my credit file. These items are damaging my credit reputation and violating my federal consumer rights. Despite my previous efforts to resolve these matters with the credit bureaus directly, the errors continue to appear. Therefore, I am requesting your assistance and intervention in holding these furnishers and reporting agencies accountable under the law. 
XX/XX/XXXX WRONG ADDRESS I have never lived, worked, or received mail at this address. It is completely false and must be deleted immediately under FCRA Section 609 ( a ) ( 1 ) and 611 ( a ) as unverifiable information. I am demanding full removal from all three credit bureaus. 
XXXX XXXX | Date Opened : XX/XX/XXXX | High Balance : {$0.00} | Issue : Late Payment This account is reporting late payments that never occurred. I have never been delinquent with any XXXX account. Reporting false late history without verified documentation violates FCRA Section 623 ( a ) ( 1 ) ( A ). I am requesting immediate correction to Paid as Agreed or deletion if the data can not be verified. 
XXXX XXXX | Date Opened : XX/XX/XXXX | High Balance : {$0.00} | Issue : Late Payment This is another false report showing late payment history which never happened. There is no legitimate evidence to support any delay or default. Duplicate reporting violates FCRA Section 607 ( b ) requiring maximum possible accuracy. This must be investigated and corrected immediately. 
XXXX XXXX | Date Opened : XX/XX/XXXX | High Balance : {$0.00} | Issue : Late Payment This is a duplicated listing of the same account that is already showing on my report. Duplicate or redundant data designed to harm my score violates FCRA Section 611 ( a ) ( 5 ). I am demanding permanent removal of this inaccurate duplicate immediately. 
XXXX XXXX | Date Opened : XX/XX/XXXX | High Balance : {$0.00} | Issue : Late Payment This repeated listing with false late payment history is completely wrong and misleading. I never missed payments. The false data is negatively impacting my creditworthiness and must be updated to reflect correct payment history or deleted entirely. 
XX/XX/XXXX| Date Opened : XX/XX/XXXX | High Balance : {$0.00} | Issue : Charge Off I have no knowledge or association with any XXXX XXXX account. I never authorized, opened, or received any service under this account. This is a fraudulent or incorrect entry, and it violates FCRA Section 611 ( a ) ( 1 ) ( A ). Unless XXXX XXXX can provide full prooforiginal signed contract, service address, and payment historythis account must be deleted from all reports immediately. 
XXXX | Date of Inquiry : XX/XX/XXXX | Issue : Unauthorized Inquiry This hard inquiry was made without my consent or permissible purpose under FCRA Section 604 ( a ) ( XXXX ). I never applied for any product or loan from XXXX. This is an invasion of my privacy and must be removed immediately. 
VIOLATIONS AND DAMAGES The reporting of these false, inaccurate, and unverifiable items has caused severe damage to my credit profile, emotional distress, and loss of financial opportunities. These actions demonstrate negligence, lack of verification, and noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

The credit bureaus and furnishers have failed to meet their legal obligations under : FCRA Section 602 ( A ) : Right to fair and accurate credit reporting FCRA Section 607 ( B ) : Duty to ensure maximum possible accuracy FCRA Section 611 ( A ) : Duty to reinvestigate disputed information FCRA Section 623 ( A ) ( 1
) ( A ) : Furnisher responsibility for accuracy of data FCRA Sections 616 & 617 : Civil liability for negligent or willful noncompliance REQUEST FOR INVESTIGATION AND ACTION I am requesting the Consumer Financial Protection Bureau to : 1. Conduct a full investigation into XXXX, XXXX XXXX, and XX/XX/XXXXfor false and unverifiable reporting. 
2. Require the credit bureaus ( XX/XX/XXXXTransUnion ) to provide documented verification of each item within the 30-day period required by law. 
3. Enforce immediate removal of all unverifiable, duplicated, or false information from my credit report.

4. Impose penalties or compliance actions if these furnishers and agencies fail to comply with 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