Consumer complaint received 2025-09-06 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:
I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ) Sections 601, 602, 607, 609, and 611. The following items on my credit report are inaccurate, misleading, and unverified. They are damaging my credit profile and misrepresenting my financial history. I request a full reinvestigation of each item listed below, with removal or correction of any unverifiable or incorrect information. 
Address : XXXX XXXX XXXX, TX XXXX This address is incorrectly reported. Under Sections 609 ( a ) ( 1 ) and 611 ( a ) of the FCRA, all information must be accurate and verifiable. Its reporting misrepresents my residence history and is harmful to my creditworthiness. 
Address : XXXX XXXX XXXX, TX XXXX Incorrect address. Sections 609 ( a ) ( 1 ) and 611 ( a ) require reinvestigation and deletion of unverifiable addresses. Its inclusion misleads lenders and damages my credit profile. 
Address : XXXX XXXX XXXX XXXX, TX XXXX This address is invalid. FCRA Sections 609 ( a ) ( 1 ) and 611 ( a ) mandate removal of unverified information. Reporting this harms my credit reliability and falsely represents my residence. 
Address : XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect address reported. Sections 609 ( a ) ( 1 ) and 611 ( a ) require verification of all addresses and deletion if unverifiable. Its presence negatively impacts my creditworthiness. 
Account : XXXX XXXX XXXXXXXX XXXX, High Balance : {$270000.00}, Date Opened : XX/XX/XXXX, Late Payment * * This late payment is inaccurately reported. FCRA Section 611 ( a ) mandates removal of unverifiable or inaccurate items. Misreporting misrepresents my payment history and harms my credit score. 
Account : XXXX XXXX XXXXXXXX XXXX, High Balance : {$0.00}, Date Opened : XX/XX/XXXX, Late Payment * * Late payment reported is incorrect. Sections 609 ( a ) ( 1 ) and 611 ( a ) require reinvestigation and deletion if unverifiable. Its reporting falsely suggests delinquency. 
Account : XXXX  XXXX, High Balance : {$510.00}, Date Opened : XX/XX/XXXX, Charge Off * * This charge-off is inaccurately reported. Sections 609 ( a ) ( 1 ) and 611 ( a ) require deletion of unverifiable accounts. Its presence misleads lenders and damages my credit profile. 
Account : XXXX XXXX, High Balance : {$480.00}, Date Opened : XX/XX/XXXX, Charge Off * * Charge-off reported is incorrect. Section 611 ( a ) mandates reinvestigation and removal if unverifiable. Its reporting falsely indicates delinquency. 
Account : XXXX XXXX XXXX, High Balance : {$470.00}, Date Opened : XX/XX/XXXX, Charge Off * * Charge-off is not valid. Sections 609 ( a ) ( 1 ) and 611 ( a ) require removal of unverifiable accounts. Its reporting misrepresents my financial history. 
Account : XXXXXXXX XXXX XXXX XXXX, High Balance : {$460.00}, Date Opened : XX/XX/XXXX, Charge Off * * Incorrect charge-off. Sections 609 ( a ) ( 1 ) and 611 ( a ) mandate reinvestigation and removal. Reporting this harms my creditworthiness. 
Account : XXXX XXXX XXXXXXXX XXXX, High Balance : {$390.00}, Date Opened : XX/XX/XXXX, Charge Off * * This charge-off is inaccurately reported. Sections 609 ( a ) ( 1 ) and 611 ( a ) require deletion of unverifiable items. Misrepresentation negatively impacts my credit profile. 
Account : XXXX XXXX XXXX, High Balance : {$750.00}, Date Opened : XX/XX/XXXX, Charge Off * * Charge-off is incorrect. Sections 609 ( a ) ( 1 ) and 611 ( a ) require reinvestigation and removal. Misreporting misleads lenders and damages my credit profile. 
Account : XXXX XXXX, High Balance : {$1400.00}, Date Opened : XX/XX/XXXX, Charge Off * * This charge-off is inaccurately reported. Section 611 ( a ) mandates reinvestigation and deletion of unverifiable accounts. Its reporting misrepresents my financial reliability. 
Account : XXXX XXXX XXXX, High Balance : {$0.00}, Date Opened : XX/XX/XXXX, Late Payment * * Late payment reported is invalid. Sections 609 ( a ) ( 1 ) and 611 ( a ) require deletion if unverifiable. Reporting it damages my credit score. 
Account : XXXX XXXX XXXX, High Balance : {$930.00}, Date Opened : XX/XX/XXXX, Charge Off * * Charge-off inaccurately reported. Sections 609 ( a ) ( 1 ) and 611 ( a ) require reinvestigation and removal. Misrepresentation harms my creditworthiness. 
Account : XXXX XXXX XXXX, High Balance : {$630.00}, Date Opened : XX/XX/XXXX, Charge Off * * Incorrectly reported charge-off. Sections 609 ( a ) ( 1 ) and 611 ( a ) require deletion if unverifiable. Misrepresentation damages my credit profile. 
Account : XXXX XXXX XXXX XXXX, High Balance : {$420.00}, Date Opened : XX/XX/XXXX, Charge Off * * This charge-off is inaccurately reported. Sections 609 ( a ) ( 1 ) and 611 ( a ) mandate reinvestigation and removal. Reporting it misleads lenders and harms my creditworthiness. 

Account : XXXX XXXX XXXXXXXX XXXX, High Balance : {$300.00}, Date Opened : XX/XX/XXXX, Late Payment * * This late payment is inaccurately reported and violates FCRA Sections 609 ( a ) ( 1 ) and 611 ( a ) which require all information to be accurate and verifiable. Reporting this misrepresents my credit history and falsely suggests delinquency. 
Account : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, High Balance : {$2100.00}, Date Opened : XX/XX/XXXX, Late Payment ( all duplicates ) * * The late payments reported are incorrect and duplicated. FCRA Sections 609 ( a ) ( 1 ) and 611 ( a ) mandate removal of unverifiable and duplicate items. Duplicates mislead lenders and artificially inflate negative impact on my credit. 
Account : XXXX XXXX XXXX, High Balance : {$680.00}, Date Opened : XX/XX/XXXX, Charge Off * * Charge-off is inaccurately reported. Sections 609 ( a ) ( 1 ) and 611 ( a ) require deletion of unverifiable information. Reporting this misrepresents my financial responsibility. 
Account : XXXX XXXXXXXX XXXX, High Balance : {$1100.00}, Date Opened : XX/XX/XXXX, Charge Off * * Incorrectly reported charge-off. Sections 609 ( a ) ( 1 ) and 611 ( a ) require reinvestigation and removal. Reporting this misleads lenders. 
Account : XXXX  XXXX, High Balance : {$370.00}, Date Opened : XX/XX/XXXX, Charge Off * * Charge-off inaccurately reported. Sections 609 ( a ) ( 1 ) and 611 ( a ) require removal if unverifiable. Misrepresentation damages my credit profile. 
Account : XXXX XXXX XXXX XXXX, High Balance : {$32000.00}, Date Opened : XX/XX/XXXX, Late Payment * * Late payment is inaccurately reported. Sections 609 ( a ) ( 1 ) and 611 ( a ) mandate reinvestigation and deletion if unverifiable. Reporting it misleads lenders. 
Account : XXXX XXXXXXXX XXXX, High Balance : {$4100.00}, Date Opened : XX/XX/XXXX, Charge Off * * Charge-off is incorrectly reported. Sections 609 ( a ) ( 1 ) and 611 ( a ) require deletion of unverifiable items. Misreporting harms my creditworthiness. 
Account : XXXXXXXX XXXX XXXX XXXX XXXX, High Balance : {$28000.00}, Date Opened : XX/XX/XXXX, Charge Off * * Charge-off is inaccurate. Sections 609 ( a ) ( 1 ) and 611 ( a ) mandate reinvestigation and removal. Misreporting misrepresents my financial history. 
Account : XXXX  XXXX, High Balance : {$30000.00}, Date Opened : XX/XX/XXXX, Late Payment * * Late payment is incorrect. Sections 609 ( a ) ( 1 ) and 611 ( a ) require deletion if unverifiable. Reporting it misleads lenders. 
Account : XXXX XXXXXXXX XXXX XXXX XXXX, High Balance : {$32000.00}, Date Opened : XX/XX/XXXX, Late Payment * * Late payment is inaccurately reported. Sections 609 ( a ) ( 1 ) and 611 ( a ) mandate reinvestigation and removal. Misreporting harms creditworthiness. 
Account : XXXXXXXX XXXX XXXX XXXX, High Balance : {$930.00}, Date Opened : XX/XX/XXXX, Collection * * This collection is inaccurately reported and violates FCRA Sections 609 ( a ) ( 1 ) and 611 ( a ) which require all information to be accurate and verifiable. Reporting this misrepresents my credit history and falsely suggests delinquency. 
Account : XXXX XXXX XXXX XXXX, High Balance : {$1200.00}, Date Opened : XX/XX/XXXX, Collection * * This entry is duplicated and unverifiable. FCRA Sections 609 ( a ) ( 1 ) and 611 ( a ) mandate deletion of unverifiable or duplicate accounts. Reporting it misleads lenders and artificially harms my score. 
Account : XXXX XXXX XXXX XXXX, High Balance : {$1100.00}, Date Opened : XX/XX/XXXX, Collection * * Inaccurately reported. Sections 609 ( a ) ( 1 ) and 611 ( a ) require reinvestigation and removal. Misrepresentation damages my creditworthiness. 
Account : XXXX XXXX XXXX XXXX, High Balance : {$630.00}, Date Opened : XX/XX/XXXX, Collection * * Collection is incorrectly reported. Sections 609 ( a ) ( 1 ) and 611 ( a ) require deletion if unverifiable. Misreporting misleads lenders. 
Account : XXXX XXXXXXXX XXXX, High Balance : {$610.00}, Date Opened : XX/XX/XXXX, Collection * * Inaccurate and unverifiable. Sections 609 ( a ) ( 1 ) and 611 ( a ) mandate reinvestigation and removal. Reporting it falsely impacts my credit profile. 
Account : XXXX XXXXXXXX XXXX XXXX, High Balance : {$6500.00}, Date Opened : XX/XX/XXXX, Collection * * Incorrectly reported collection. Sections 609 ( a ) ( 1 ) and 611 ( a ) require verification or removal. Misrepresentation harms my financial credibility. 
Account : XXXX XXXX XXXX, High Balance : {$480.00}, Date Opened : XX/XX/XXXX, Collection * * Account inaccurately reported. Sections 609 ( a ) ( 1 ) and 611 ( a ) require deletion if unverifiable. Misreporting is misleading. 
Account : XXXX XXXX XXXX, High Balance : {$510.00}, Date Opened : XX/XX/XXXX, Collection * * Collection entry is duplicated and unverifiable. Sections 609 ( a ) ( 1 ) and 611 ( a ) require removal. Misreporting damages credit. 
Account : XXXX XXXX XXXX, High Balance : {$750.00}, Date Opened : XXXX, Collection * * Inaccurate reporting violates Sections 609 ( a ) ( 1 ) and 611 ( a ). Must be corrected or removed. 
Account : XXXX XXXX XXXX, High Balance : {$370.00}, Date Opened : XX/XX/XXXX, Collection * * Duplicate and unverifiable. Sections 609 ( a ) ( 1 ) and 611 ( a ) require deletion. Misreporting falsely suggests delinquency. 
Account : XXXX XXXX XXXX XXXX, High Balance : {$680.00}, Date Opened : XX/XX/XXXX, Collection * * Incorrectly reported. Sections 609 ( a ) ( 1 ) and 611 ( a ) mandate reinvestigation and removal. Misreporting is damaging. 
Account : XXXX XXXX XXXX, High Balance : {$490.00}, Date Opened : XX/XX/XXXX, Collection * * Account inaccurately reported and unverifiable. Sections 609 ( a ) ( 1 ) and 611 ( a ) require deletion. Misreporting is misleading to lenders. 
Account : XXXX XXXX, High Balance : {$1400.00}, Date Opened : XX/XX/XXXX, Collection * * Reported incorrectly and unverifiable. Sections 609 ( a ) ( 1 ) and 611 ( a ) mandate correction or removal. Misrepresentation harms my credit history. 
Inquiry : XXXX XXXX XX/XX/XXXX Duplicated entry, unauthorized, Section 604 ( a ) violation.

Inquiry : XXXX XXXX XX/XX/XXXX Duplicate unauthorized inquiry. Sections 604 ( a ) and 611 ( a ) mandate removal of unverifiable entries.

Inquiry : XXXX XXXXXX/XX/XXXX Unauthorized, unverifiable, violates Section 604 ( a ). Must be removed. 
Inquiry : XXXX XX/XX/XXXX Unauthorized hard inquiry. FCRA Sections 604 ( a ) and 611 ( a ) require deletion. 
Inquiry : XXXX XX/XX/XXXX XXXX authorization was given. Violates Section 604 ( a ) and 611 ( a ). 
Inquiry : XXXX XX/XX/XXXX Unauthorized reporting. Sections 604 ( a ) and 611 ( a ) require removal. 
Inquiry : XXXX XXXX XX/XX/XXXX Falsely reported, Section 604 ( a ) violation. Must be deleted. 
Inquiry : XXXX XXXX XX/XX/XXXX XXXX authorization provided, violates XXXX XXXX ( a ). 
Inquiry : XXXX XXXX XX/XX/XXXX Unauthorized, Section 604 ( a ) violation. Must be removed. 
Inquiry : XXXX XXXX XX/XX/XXXX Unauthorized inquiry, violates Sectio

ns 604 ( a ) and 611 ( a ). Inquiry : XXXX XXXXXX/XX/XXXX FCRA Section 604 ( a ) violation. No permissible purpose. Must be removed. 
Inquiry : XXXX XXXX XX/XX/XXXX Unauthorized, unverifiable. Sections 604 ( a ) and 611 ( a ) require deletion. 
Inquiry : XXXX XXXX XX/XX/XXXX No authorization was given, violates Section 604 ( a ). 
Inquiry : XXXX XXXX XX/XX/XXXX Duplicate, unauthorized, Section 604 ( a ) violation. Must be removed. 
Inquiry : XXXX XXXX XX/XX/XXXX Unauthorized reporting, Sections 604 ( a ) and 611 ( a ) require deletion.

I request that all unverifiable, inaccurate, or misleading information be fully reinvestigated, corrected, or deleted as required under FCRA law. Each item listed above violates Sections 609 and 611 if left unverified. I request the credit bureau to provide written confirmation of any deletions or corrections completed

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