Consumer complaint received 2025-10-22 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 Representative, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations due to multiple inaccurate, unverified, and unauthorized items being reported on my credit file. Despite my repeated disputes, these items remain without proper verification, in direct violation of FCRA 602, 607 ( b ), 609, 611, and 623 ( a ).

These false entries are damaging my creditworthiness, preventing access to fair credit opportunities, and creating undue emotional and financial hardship. The following accounts and inquiries are being wrongly reported, with no supporting documentation proving my consent, signature, or liability. 
DISPUTED ACCOUNTS WRONG, UNVERIFIED, OR MISREPORTED STATUS : XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$81.00} Status : Charge Off * * I have no knowledge of this account, never authorized or signed any agreement with this institution. This entry appears to be fraudulent or mixed-file reporting. Under FCRA 611 ( a ) ( 1 ) ( A ), I demand verification through original signed documentation ; otherwise, this account must be deleted immediately. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Late Payment * * The balance is {$0.00}, which shows the account was fully paid and closed in good standing. The Late Payment status is invalid and harmful. I demand removal of this inaccurate reporting. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$76.00} Status : Charge Off * * I have no knowledge or connection with this account. I have never opened or maintained any account with this lender. Please provide full validation with supporting documents or delete this unverifiable account. 
XXXX XXXX XXXX  Acct : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$330.00} Status : Charge Off * * This account is not mine. I have never done business with this institution, nor authorized any financial agreement. It is being falsely attributed to me and must be deleted immediately. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$340.00} Status : Charge Off * * I dispute this reporting as inaccurate. I have no verified record or signed application with this lender. This may be a case of mixed file or identity theft, requiring deletion per FCRA 605B and 611. 
XXXX XXXX Acct XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Charge Off * This account shows a XXXX balance but is still listed as charged off, which is inconsistent and misleading. If the balance is paid, the account should not reflect derogatory status. Please correct or delete immediately. 
XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Late Payment * * This account is showing as late despite reflecting a XXXX balance. It is illogical and inaccurate to report late payments on a fully paid account. Under FCRA 623 ( a ) ( 2 ), data furnishers must report complete and accurate information. This late payment notation must be deleted and the account corrected to show Pays as Agreed. 
XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Late Payment * * Duplicate entry of the same account with identical information constitutes inaccurate reporting. Duplicate negative listings unfairly harm credit scoring and violate FCRA 607 ( b ). I demand immediate deletion of this duplicate record. 
XXXX XXXX XXXX  Acct : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$21000.00} Status : Late Payment * * This late payment report is entirely false. I have maintained consistent payment history and have not missed any scheduled payments. Reporting inaccurate payment history is a direct violation of FCRA 623 ( a ). I request the removal of the late payment marks and correction of the account to reflect accurate, positive status. 
XXXX XXXX XXXXXXXX Acct : XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Status : Charge Off * * I dispute this charge-off account because I have no record or agreement with this creditor. This may be an instance of identity confusion or reporting error. I request verification through original account documentation. If it can not be produced, delete this account per FCRA 609 ( a ) ( 1 ) ( A ) and 611 ( a ). 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00} Status : Collection * * I have no knowledge or association with this company or debt. This appears to be a false or mixed-file entry. I demand full investigation and proof of this alleged debt. Without verification, this account must be deleted immediately in compliance with FCRA 611. 
XXXX XXXX XXXX XXXX  Acct : XXXX * Date Opened : XX/XX/XXXX Balance : {$890.00} Status : Collection * * I do not acknowledge this account as valid. I have never received any validation notice from the creditor or collector. As required under FCRA 623 ( b ) and FDCPA 809 ( b ), please provide verification of this account or remove it entirely. 
XXXX XXXX XXXX  Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} Status : Collection * * This collection is not authorized or verifiable. I never opened or authorized an account with XXXX XXXX. The reporting is false and harmful. Please delete this account immediately for lack of verifiable documentation. 
XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Status : Collection * * I have no contract, device agreement, or service record with XXXX for this amount or time period. This entry is being falsely reported. Under FCRA 609 ( a ), you are required to produce signed documentation validating this debt or delete it immediately. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Status : Collection * * This is an erroneous and unverifiable listing. I have no record of defaulting with XXXX. I request reinvestigation and full deletion of this collection record due to lack of proper validation and violation of FCRA 607 ( b ). 
XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Status : Collection * * I have no account or debt with XXXX. This appears to be a case of mixed-file or fraudulent reporting. Under FCRA 611 ( a ) and 609 ( a ) ( 1 ) ( A ), I request complete documentation, including the signed agreement and payment history. If you can not provide legal proof of ownership, this entry must be deleted immediately. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$110.00} Status : Charge Off * * This charge-off is inaccurately reported. I have no record of any unpaid balance with XXXX. I request reinvestigation and deletion if the account can not be verified through original documentation. Reporting unverifiable data violates FCRA 607 ( b ). 
XXXX XXXX XXXX  Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Status : Charge Off * * This account is being falsely reported as charged off. I have never entered into any agreement with this institution. Under FCRA 609 ( a ) and 611 ( a ), you must verify this account through signed documents or delete it immediately. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$850.00} Status : Charge Off * * I dispute this account. I have no open or past-due balance with XXXX XXXX XXXX This could be a billing or data entry error. Please provide full account verification or delete this entry under FCRA 611. 
XXXX XXXX Acct : XXXX * * Date Opened : XX/XX/XXXX Balance : {$430.00} Status : Charge Off * * I have no account or unpaid balance with XXXX XXXX for the listed amount or date. This entry appears inaccurate and must be deleted if unverified. FCRA 607 ( b ) mandates the highest level of accuracy ; failure to comply will lead to formal complaints. 
XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Status : Charge Off * * I dispute this charge-off entirely. I have not received any statement, notification, or communication confirming this alleged balance. Unless you can provide signed proof of agreement and payment records, this item must be removed immediately under FCRA 609 ( a ). 
UNAUTHORIZED OR QUESTIONABLE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my authorization or consent. I did not initiate any credit application or request involving these companies on the listed dates. Such unauthorized inquiries violate FCRA 604 ( a ) ( 2 ), which restricts access to credit reports to permissible purposes only. I am demanding the removal of all unauthorized hard inquiries listed above immediately. 
Violations and Legal Basis All of the above items violate the following sections of the Fair Credit Reporting Act ( FCRA ) : 602 ( A ) : Ensures fair and accurate credit reporting.

607 ( b ) : Requires credit bureaus to maintain maximum possible accuracy.

609 ( a ) ( 1 ) ( A ) : Grants consumers the right to request documentation verifying the accuracy of accounts.

611 ( a ) : Mandates reinvestigation of disputed information within 30 days.

623 ( a ) : Prohibits data furnishers from reporting inaccurate or unverified information.

Furthermore, continued reporting of unverifiable or false information after formal dispute constitutes willful noncompliance under FCRA 616, for which consumers may seek statutory damages and legal remedies.

Requested CFPB Action I respectfully request the CFPB to investigate the following : 1. Why the credit bureaus ( XXXX, XXXX, and/or TransUnion ) continue reporting these unverifiable items despite disputes. 
XXXX. Why data furnishers have failed to provide proper validation, documentation, or signed agreements proving my liability. 
XXXX. Whether these furnishers and bureaus are violating FCRA 607 ( b ), 609, 611, and 623 ( a ). 
I further request that the CFPB compel the involved parties to : Delete all inaccurate, unverifiable, and unauthorized accounts and inquiries. 
Provide me with written confirmation of the corrections and deletions. 
Summary of Relief Requested Delete all false collection and charge-off accounts listed above Remove all unauthorized credit inquiries Conduct a full reinvestigation under FCRA 611 Ensure compliance with FCRA and CFPB consumer protection standards Provide a written statement confirming corrective actions

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