Consumer complaint received 2025-08-04 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: MI

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple unauthorized, inaccurate, and unverifiable items that continue to appear on my credit reports. Despite my previous disputes and requests for validation, these items remain unresolved or have been improperly reinserted without proper notification. I am requesting that the CFPB take immediate action to enforce my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and hold the data furnishers and credit reporting agencies accountable for their negligence and violations. Each of the following items requires full reinvestigation, proper documentation, and if verification is not legally substantiated, complete deletion. 
ADDRESS XXXX XXXX XXXX XXXX, MI XXXX Law : FCRA 1681e ( b ) Issue : Wrong address reporting Story : This address does not belong to me. I have never lived at or been associated with this property. Including this address in my report may have linked me to accounts I do not own and severely impacted the accuracy of my credit file. It continues to reappear even after prior disputes and needs to be permanently deleted. 
ACCOUNTS XXXX  XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance Owed : {$210.00} | Late Payment * * Law : FCRA 1681s-2 ( b ), 1681i Issue : Unverified late payment Story : This account shows a late payment I do not agree with. I paid consistently and never received a notice of late payment. The creditor has failed to provide verification after multiple attempts. This derogatory mark is false and harmful. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance Owed : {$910.00} | Collection * * Law : FDCPA 809 ( b ), FCRA 1681i Issue : Collection without notice Story : This account was placed in collections without any communication to me. I never received validation or dunning notice, and it was suddenly added to my report. This is a violation of my rights and I request immediate removal. 
XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance Owed : {$440.00} | Collection * * Law : FCRA 1681i Issue : Inaccurate collection account Story : This is not a valid debt. I cleared all obligations with the college and was never informed about any outstanding balance. No documentation has been presented to prove this collection is legitimate. 
XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment * * Law : FCRA 1681e ( b ) Issue : Late payment on closed account Story : This account has long been settled. Reporting late payments on an account with a {$0.00} balance is misleading and affects my creditworthiness. I dispute the accuracy of this entry. 
XXXX XXXX XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Charge-Off * * Law : FCRA 1681s-2 ( b ) Issue : Charge-off reported after resolution Story : This account was settled and should not appear as a charge-off. Reporting this as charged off without acknowledging resolution misrepresents my credit history. 
XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Charge-Off * * Law : FCRA 1681i Issue : Charge-off status incorrect Story : This vehicle account was voluntarily returned and should reflect that accurately. I followed the agreement with XXXX. The charge-off status is inaccurate and damaging. 
XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Charge-Off * * Law : FCRA 1681c Issue : Charge-off without proof Story : This account has inconsistencies in dates and balances. Despite disputes, the account remains unverified and improperly reported. 
XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Charge-Off * * Law : FCRA 1681s-2 ( a ) Issue : Account not mine Story : I never had a XXXX account with this number. This is likely a case of mistaken identity or mixed file. I requested verification which was not provided. 
XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$580.00} | Charge-Off * * Law : FCRA 1681i Issue : No proof of ownership Story : This account does not belong to me. No documents have been shared to prove this debt is mine. It was reinserted even after prior disputes without notice. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$690.00} | Collection * * Law : FDCPA 809 ( b ), FCRA 1681i Issue : Collection without validation Story : XXXX never responded to my debt validation request. They continue to report a collection without verifying the original agreement or details. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$1100.00} | Collection * * Law : FDCPA 809 ( b ), FCRA 1681e ( b ) Issue : Invalid collection account Story : I was not made aware of this debt or given the opportunity to dispute it. No notice was sent before reporting. This violates my consumer rights. 
XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$100.00} | Collection * * Law : FCRA 1681e ( b ) Issue : Incorrect collection account Story : I never had a XXXX account with this ID. No validation was provided, and it was reported without notice or documentation. 
XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$13000.00} | Charge-Off * * Law : FCRA 1681i Issue : High balance charge-off unverified Story : I never opened or signed for this account. A $ XXXX balance being reported without any signed documents or proof is harmful and highly questionable. 
INQUIRIES XXXX XXXX | XX/XX/XXXX Law : FCRA 1681b ( c ) Issue : Unauthorized inquiry Story : I did not grant permission to this company to access my credit file. There was no credit application submitted. 
XXXX XXXX XXXXXXXX | XX/XX/XXXX Law : FCRA 1681b Issue : Inquiry without consumer approval Story : I never contacted or dealt with this business. This inquiry was not authorized. 
XXXX XXXX | XX/XX/XXXX Law : FCRA 1681b Issue : No permissible purpose Story : I did not engage with this company or request financing. This was done without my consent. 
XXXX | XX/XX/XXXX Law : FCRA 1681b Issue : Unauthorized hard pull Story : No credit was requested from XXXX XXXX. This inquiry is harmful and unjustified. 
XXXX XXXX | XX/XX/XXXX Law : FCRA 1681b Issue : No authorization Story : I have no business with this entity. This inquiry must be removed. 
XXXX | XX/XX/XXXX Law : FCRA 1681b Issue : Inquiry without consent Story : I did not apply for credit or give approval. This hard pull violates my rights. 
XXXX | XX/XX/XXXX Law : FCRA 1681b Issue : Unapproved credit access Story : I never permitted this inquiry and had no dealings with them. 
XXXX XXXX | XX/XX/XXXX Law : FCRA 1681b Issue : Unauthorized inquiry Story : This inquiry was placed without any contact or agreement. I did not authorize this. 
XXXX | XX/XX/XXXX Law : FCRA 1681b Issue : Unlawful inquiry Story : This is one of multiple pulls by XXXX, none of which I approved. Remove all inquiries. 
XXXX XXXX | XX/XX/XXXX Law : FCRA 1681b Issue : No authorization Story : No application submitted. This pull is baseless and damaging. 
XXXX XXXX | XX/XX/XXXX Law : FCRA 1681b Issue : Credit file accessed without reason Story : I did not engage with XXXX XXXX. This inquiry must be deleted. 
XXXX XXXX | XX/XX/XXXX Law : FCRA 1681b Issue : Duplicate unauthorized pull Story : This is an unlawful and repetitive pull without permission. 
XXXX | XX/XX/XXXX Law : FCRA 1681b Issue : No legal basis for inquiry Story : XXXX has pulled multiple times, including this one, without my consent. 
XXXX XXXXI | XX/XX/XXXX Law : FCRA 1681b Issue : Unauthorized inquiry Story : I did not apply for anything through XXXX XXXX  This is an FCRA violation. 
XXXX | XX/XX/XXXX Law : FCRA 1681b Issue : Inquiry made without approval Story : This inquiry was added without notice or consent. 
XXXX XXXX  | XX/XX/XXXX Law : FCRA 1681b Issue : No consumer initiation Story : I never sought credit from XXXX XXXX on that date or otherwise. 
XXXX XXXX XXXX | XX/XX/XXXX Law : FCRA 1681b Issue : Unauthorized inquiry Story : I had no involvement with XXXX XXXX and did not authorize this pull. 
XXXX XXXX XXXX | XX/XX/XXXX Law : FCRA 1681b Issue : Unapproved hard inquiry Story : This inquiry was conducted without my permission or any valid reason. 
XXXX XXXX | XX/XX/XXXX Law : FCRA 1681b Issue : Inquiry made without knowledge Story : I was unaware of this and never agreed to it. Remove immediately. 
I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to conduct a full investigation into these matters and ensure all violators are held accountable. I am requesting deletion of all unverifiable, unauthorized, and inaccurately reported items from my credit profile. My rights have been repeatedly violated, and these violations have resulted in financial hardship, stress, and the loss of credit opportunities. I am asking the CFPB to protect my rights under the FCRA and ensure these abusive and negligent practices are stopped. I am also requesting copies of any documentation used in the reinvestigation process and confirmation that these items have been resolved and removed.

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