Consumer complaint received 2025-11-13 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 CFPB Reviewer, I am filing this formal complaint because my credit report contains multiple inaccurate collection accounts and unauthorized hard inquiries that I did not approve, authorize, or recognize. I have tried disputing these items with the credit bureaus, but they have failed to properly investigate or remove these errors, which violates my rights under the Fair Credit Reporting Act ( FCRA ). 
Below are the specific items I am disputing : XXXX XXXX XXXX XXXXXXXX, TX XXXX Wrong Address I have never lived at, used, or been associated with this address at any point in my life. This is a clear reporting error. Please remove this address immediately as it may be the result of a mixed file or identity confusion. 
XXXX XXXXXXXX XXXX XXXX TX XXXX Wrong Address This address has no connection to me. I have never applied for credit, lived, received mail, or used this address on any documents. Please delete it from my credit file. 
XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | XXXX : {$0.00} | XXXX XXXX This late payment is incorrect. I have reviewed my records and confirmed that I have never been late on this account. Please correct the payment history. 
XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | XXXX : {$0.00} | XXXX XXXX This late payment does not accurately reflect my payment behavior. I dispute this reporting and request correction as required by FCRA XXXX. 
XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment I am disputing this because I never made a late payment. This is a clear factual error and must be corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | Balance : {$200.00} | Late Payment This late payment is incorrectly reported. I did not miss any payments, and this error is harming my credit standing. Please fix immediately. 
DPT EDXXXX XXXX XXXX  Opened : XX/XX/XXXX | XXXX : {$0.00} | XXXX XXXX This late payment is being reported in error. I dispute this completely and request accurate correction of the payment history. 
XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | XXXX : {$11000.00} | XXXX XXXX This late payment is false. I have never had any delinquency on this account, and this misinformation must be corrected as soon as possible. 
XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | XXXX : {$0.00} | XXXX XXXX This is an incorrect late payment entry. I upheld all my payments on time, and this reporting needs to be corrected immediately. 
XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | XXXX : {$0.00} | XXXX XXXX This late payment is not accurate and is damaging my credit profile. I demand a reinvestigation and correction. 
XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$7300.00} | Charge-Off I have no connection to this account. I never financed or purchased a vehicle with XXXX XXXX XXXX. This account should be deleted immediately. 
XXXXXXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | XXXX : {$780.00} | Charge-Off This is not my account, and I have no record of any relationship with XXXX. Since this information can not be verified as mine, it must be removed. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$260.00} | Collection I have no knowledge of this alleged debt and have never had any account that would be associated with Pro Collect. This is an incorrect reporting and must be removed from my credit file. 
XXXX XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | XXXX : {$720.00} | XXXX This account does not belong to me. I dispute this entire item because I never opened or authorized any account with XXXX XXXX. Please delete for being unverifiable. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$3200.00} | Collection This appears to be a duplicate of another XXXX XXXX account, and again, I do not recognize this debt. This duplicate reporting is inaccurate, and both entries must be removed. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$1100.00} | Collection This is another duplicate XXXX account, and I dispute it fully. I have no knowledge of this debt, and duplicate collections violate accuracy standards. Please delete immediately. 
XXXX XXXX Date : XX/XX/XXXX I did not authorize this company to pull my credit report. Please remove this unauthorized inquiry. 
XXXX XXXX Inquiry Date : XX/XX/XXXX I never applied for financing with this dealership. This inquiry was not approved by me. Remove it. 
XXXX XXXX Inquiry Date : XX/XX/XXXX I have no record of any interaction with this dealership. This inquiry is unauthorized and must be removed. 
FCRA VIOLATIONS The credit bureaus have failed to : Properly reinvestigate disputed items Remove unverifiable collection accounts Delete unauthorized inquiries Maintain maximum possible accuracy of consumer information This violates FCRA 602, 607, and 611. 
REQUESTED RESOLUTION I respectfully request that the CFPB assist in ensuring the credit bureaus : XXXX. Remove all inaccurate and unverifiable collection accounts XXXX. Delete all unauthorized hard inquiries XXXX. Provide a written explanation confirming the actions taken XXXX. Hold the credit bureaus accountable for failing to properly reinvestigate These inaccuracies are harming my creditworthiness and causing financial hardship. 
Thank you for reviewing my complaint. I appreciate your assistance in resolving these issues.

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