Consumer complaint received 2025-08-09 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: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unauthorized information being reported on my credit file. The following addresses, inquiries, and account details are being reported in error. These items are harming my creditworthiness, causing financial and emotional distress, and are in violation of federal consumer protection laws. I have already contacted the credit bureaus regarding these inaccuracies, but they have failed to properly investigate and correct the errors. I am now seeking the CFPBs assistance in ensuring my rights are protected under the law and that these items are removed immediately. 
Address XXXX XXXX XXXX, CA XXXX Law : FCRA 15 USC 1681i Duty to Reinvestigate, FCRA 15 USC 1681e ( b ) Accuracy of Information Issue : This address is not connected to my current or past residence and is being reported in error. 
Story : I have never lived at or been associated with XXXX XXXX, XXXX, CA XXXX. Its presence is causing confusion and potentially mixing my file with another consumer. This incorrect address must be removed immediately. 

Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3200.00} Chargeoff Law : FCRA 15 USC 1681i, FCRA 15 USC 1681e ( b ), FCBA 15 USC 1666 Issue : This account is inaccurately reporting as a charge-off without proper validation. 
Story : I have requested validation of this account from both the furnisher and the bureau. No original signed agreement, complete payment history, or proof of liability has been provided. Reporting this account without verification violates the FCRA and XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff Law : FCRA 15 USC 1681i, FCRA 15 USC 1681e ( b ) Issue : This account is being reported as a charge-off with a {$0.00} balance, which is contradictory and misleading. 
Story : A {$0.00} balance can not exist alongside a valid charge-off status. This contradiction indicates unverifiable or outdated information, requiring deletion. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff Law : FCRA 15 USC 1681e ( b ), 15 USC 1681i Issue : The account is inaccurately reporting with conflicting data. 
Story : No charge-off can exist with a {$0.00} balance. Continued reporting in this manner is materially misleading and must be corrected or deleted. 

Account DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} Late Payment Law : FCRA 15 USC 1681s-2 ( a ), 1681e ( b ) Issue : Late payment reporting is unverifiable and incomplete. 
Story : No documentation proving the exact date or legitimacy of this late payment has been provided. Continued reporting without verification is a violation. 

Account DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Late Payment Law : FCRA 15 USC 1681e ( b ), 1681i Issue : Unverified late payment reporting. 
XXXX : This late payment entry is inaccurate and can not be confirmed by the furnisher. It must be deleted if unverifiable. 
Account DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4000.00} Late Payment Law : FCRA 15 USC 1681e ( b ), 1681s-2 ( b ) Issue : No validation for this late payment has been provided. 
Story : Failure to substantiate this derogatory reporting within the allowed timeframe violates my rights under the FCRA. 

Account DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$7200.00} Late Payment Law : FCRA 15 USC 1681i, 1681e ( b ) Issue : Inaccurate and unverifiable derogatory notation. 
XXXX : This late payment is still being reported despite lack of any proof from the creditor. It must be removed. 

Account DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} Late Payment Law : FCRA 15 USC 1681e ( b ), 1681s-2 ( a ) Issue : No evidence to validate this late payment exists. 
Story : Reporting negative marks without proof is unlawful and requires deletion. 

Account DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5100.00} Late Payment Law : FCRA 15 USC 1681e ( b ), 1681i Issue : Unverifiable derogatory item. 
XXXX : The creditor has failed to validate the accuracy of this late payment report. 

Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} Collection Law : FCRA 15 USC 1681i, FDCPA 15 USC 1692g ( b ) Issue : Collection account reported without proof of ownership or contract. 
Story : No validation of debt has been provided despite repeated requests. This violates the FDCPA and must be removed. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$190.00} Collection Law : FCRA 15 USC 1681i, FDCPA 15 USC 1692g Issue : Collection reported without proper documentation. 
XXXX : The collector has not produced a signed agreement or billing statements proving the debt. 

Inquiry XXXX XXXX  Law : FCRA 15 USC 1681b ( f ) Permissible Purpose Issue : Inquiry made without my authorization. 
Story : I never applied for or authorized this inquiry ; it must be removed. 

Inquiry XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 15 USC 1681b ( f ) Issue : No permissible purpose for this inquiry. 
XXXX : This was conducted without my consent or application for credit. 

Inquiry XXXX XXXX XX/XX/XXXX Law : FCRA 15 USC 1681b ( f ) Issue : Unauthorized inquiry. 
Story : I did not initiate any transaction requiring this pull. 

Inquiry XXXX XXXX XX/XX/XXXX Law : FCRA 15 USC 1681b ( f ) Issue : No consent provided. 
Story : I did not authorize XXXX XXXX to access my report. 
Inquiry XXXX XXXX XX/XX/XXXX Law : FCRA 15 USC 1681b ( f ) Issue : Inquiry made without permissible purpose. 
Story : I did not apply for any auto financing. 

Inquiry XXXX XXXXXX/XX/XXXX Law : FCRA 15 USC 1681b ( f ) Issue : Unapproved credit pull. 
XXXX : This inquiry was conducted without my consent. 

Inquiry XXXX XXXX XX/XX/XXXX Law : FCRA 15 USC 1681b ( f ) Issue : Inquiry made without permissible purpose. 
Story : No credit application was made by me for this. 

Inquiry XXXX XXXXXX/XX/XXXX Law : FCRA 15 USC 1681b ( f ) Issue : Unauthorized inquiry. 
Story : I did not grant consent to XXXX  for this credit pull. 

The above addresses and inquiries are being wrongfully reported, causing me significant harm. They are lowering my credit score, damaging my ability to obtain fair credit, and creating the impression that I am linked to fraudulent activity or other individuals ' credit histories. These are clear violations of my rights under the FCRA, as the credit bureaus and furnishers are obligated to ensure accuracy and completeness of reported information. I have already disputed these inaccuracies directly with the credit bureaus, providing them with detailed evidence proving these items do not belong to me. However, they have willfully ignored their duty to conduct a reasonable investigation and have instead continued to publish false and harmful data on my credit report. This behavior shows a reckless disregard for the law and my consumer rights. I am requesting that the CFPB compel the credit bureaus and furnishers to immediately remove these inaccurate addresses and unauthorized inquiries, and to confirm the permanent deletion in writing. Additionally, I am requesting an investigation into the practices of the credit bureaus and furnishers involved to ensure they implement proper verification procedures moving forward.

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