Consumer complaint received 2025-12-24 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: NC

Complaint narrative:
To Consumer Financial Protection Bureau ( CFPB ) I am filing this complaint due to inaccurate information being reported on my credit file. Despite disputes, the reporting entities failed to properly investigate and correct clear errors, in violation of federal law. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX I have no knowledge of this address and have never resided there. 
FCRA Violations : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation Demand : Immediate deletion of this address. 

XXXX XXXX XXXX XXXX, VA XXXX This address does not belong to me and is inaccurately associated with my credit profile. 
FCRA Violations : 15 U.S.C. 1681e ( b ) Reporting inaccurate personal information 15 U.S.C. 1681c ( a ) Reporting misleading identifying data Demand : Immediate removal of this address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} Status : Charge-Off I have no knowledge of this account. It has not been properly verified. 
FCRA Violations : 15 U.S.C. 1681s-2 ( a ) ( 1 ) Furnishing inaccurate information 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete unverifiable data Demand : Delete this charge-off immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} Status : Charge-Off I dispute this account in its entirety and have no knowledge of it. 
FCRA Violations : 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681s-2 ( b ) Demand : Immediate deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$1200.00} Status : Collection I have no contractual relationship or knowledge of this alleged collection. 
FCRA Violations : 15 U.S.C. 1681c ( a ) ( 2 ) Unverified collection reporting 15 U.S.C. 1681g ( a ) Failure to disclose verification Demand : Delete due to lack of validation. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$2200.00} Status : Collection This collection account has not been lawfully verified. 
FCRA Violations : 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i ( a ) ( 1 ) Demand : Immediate deletion. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$570.00} Status : Collection I have no knowledge of this account. 
FCRA Violations : 15 U.S.C. 1681s-2 ( a ) 15 U.S.C. 1681i ( a ) ( 5 ) Demand : Delete this account. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$310.00} Status : Collection This account is inaccurate and unverifiable. 
FCRA Violations : 15 U.S.C. 1681c ( a ) 15 U.S.C. 1681e ( b ) Demand : Immediate removal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$1600.00} Status : Collection I dispute any responsibility for this account. 
FCRA Violations : 15 U.S.C. 1681s-2 ( b ) 15 U.S.C. 1681i ( a ) ( 1 ) Demand : Delete if not fully verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$1400.00} Status : Charge-Off This charge-off is inaccurately reported. 
FCRA Violations : 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i ( a ) ( 5 ) Demand : Immediate deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : $ XXXXStatus : Charge-Off I have no knowledge of this account. 
FCRA Violations : 15 U.S.C. 1681s-2 ( a ) 15 U.S.C. 1681e ( b ) Demand : Remove this account. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$5300.00} Status : Charge-Off This account remains unverified after multiple disputes. 
FCRA Violations : 15 U.S.C. 1681i ( a ) ( 1 ) 15 U.S.C. 1681s-2 ( b ) Demand : Immediate deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$1100.00} Status : Charge-Off I dispute the accuracy and ownership of this account. 
Demand : Delete under 15 U.S.C. 1681e ( b ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$0.00} Status : Charge-Off Unverifiable and inaccurately reported. 
Demand : Immediate removal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$770.00} Status : Collection No knowledge or authorization for this account. 
Demand : Delete under 15 U.S.C. 1681c ( a ) ( 2 ). 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me. 
FCRA Violations : 15 U.S.C. 1681b ( a ) No permissible purpose 15 U.S.C. 1681b ( c ) Unauthorized access Demand : Immediate removal of all listed inquiries. 

Immediate deletion of all inaccurate addresses and disputed accounts due to failure to properly investigate and verify as required by 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 non-monetary relief