Consumer complaint received 2025-11-01 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 complaint because my consumer rights have been violated through the inaccurate and unlawful reporting of a collection account and an unauthorized inquiry on my credit profile. The information listed below is being reported in error and is damaging my creditworthiness. I am requesting a full investigation, deletion of the inaccurate data, and enforcement action against the responsible parties for noncompliance with federal laws. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX This address is incorrect and has never been associated with me. Reporting an unverified or unrelated address violates FCRA 607 ( b ) which mandates maximum possible accuracy. Continued inclusion of this false address damages my credibility and suggests potential identity or data-matching errors, and must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This is another address I have never lived at, nor have I authorized its inclusion. Under FCRA 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), you are required to verify this information directly with the furnisher or remove it. Maintaining false addresses shows noncompliance with 602 ( a ) which protects consumer reputation against inaccurate reporting. 

XXXX Account XXXX XXXX LATE PAYMENT High Balance {$300.00} Date Opened XX/XX/XXXX This account is reporting late payments that are false and unverifiable. No proper notice or validation was provided to support such reporting. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must ensure accuracy before reporting data. The presence of this unverified late mark violates 607 ( b ) as it misrepresents my payment history and harms my creditworthiness. 

XXXXXXXX XXXX Account # XXXX LATE PAYMENT High Balance {$700.00} Date Opened XX/XX/XXXX This account shows late payment entries that can not be substantiated. I have not received any documentation validating these alleged delinquencies. Reporting unverifiable data breaches 611 ( a ) and 623 ( a ) ( 1 ) ( D ) of the FCRA. Continued reporting without investigation is considered negligent and misleading under 607 ( b ). 

XXXX XXXX XXXX Account # XXXX CHARGE OFF High Balance {$12000.00} Date Opened XX/XX/XXXX This account is being reported as a charge-off without proof of default or final balance verification. No original contract or billing statements have been provided. FCRA 623 ( b ) requires the furnisher to investigate disputed information and correct or delete unverifiable data. Keeping this unverified charge-off violates 602 and 607 ( b ), reflecting reckless inaccuracy. 

XXXX XXXX Account # XXXX COLLECTION High Balance {$950.00} Date Opened XX/XX/XXXX This collection is inaccurate and unverifiable. I was never properly notified under FDCPA 809 ( a ) before reporting. Reporting collections without full validation breaches FCRA 611 ( a ) and 623 ( b ) ( 1 ) ( A ). Such conduct shows disregard for data integrity and constitutes false reporting under 607 ( b ). 

XXXX Account # XXXX COLLECTION High Balance {$110.00} Date Opened XX/XX/XXXX This account was added without proper verification or notice. It violates FDCPA 807 ( 8 ) and FCRA 623 ( a ) ( 1 ) ( A ). There is no validation of any debt agreement, and the continued reporting without proof demonstrates failure to comply with the reinvestigation obligations under 611 ( a ) ( 1 ) ( A ). 

XXXX XXXX Dated XX/XX/XXXX This inquiry was made without my consent or permissible purpose under FCRA 604 ( a ) ( 3 ). It represents an unauthorized pull of my report and must be deleted. The bureau is required under 607 ( a ) to ensure inquiries appear only when properly authorized by the consumer. 

XXXX Dated XX/XX/XXXX This hard inquiry is unauthorized and violates 604 ( a ) and 607 ( a ) as there is no signed or electronic consent. Each unauthorized inquiry lowers my score unjustly, which contradicts the intent of 602 ( a ) ensuring fair and accurate credit reporting. 

XXXX XXXX Dated XX/XX/XXXX This credit pull occurred without any application or permissible purpose. Under 604 ( a ) ( 2 ) and 611, you are required to delete this unauthorized inquiry. Retaining it after notice is a clear violation of consumer privacy rights protected under the FCRA. 

XXXX XXXX Dated XX/XX/XXXX I did not authorize this inquiry. Under 604 ( a ) ( 3 ) ( A ), access to a consumer report must be for legitimate purposes with clear consent. Any reporting outside those parameters breaches 607 ( a ) and 602 ( b ). Immediate removal is required. 

FACTUAL DATA Dated XX/XX/XXXX This inquiry was made without permissible purpose and constitutes a violation of 604 ( a ) and 607 ( a ). Retaining this on my report after notice would indicate noncompliance with 611 ( a ) ( 1 ) ( A ). It must be deleted immediately as it damages my overall report integrity. 

These violations represent clear noncompliance with the federal laws designed to protect consumers from inaccurate reporting and privacy breaches. The collection agency and the inquiry source have both failed to uphold their duties of accuracy, validation, and permissible purpose. I request the CFPB to investigate both entities, require correction or deletion of these items from all credit bureaus, and ensure compliance with the FCRA and FDCPA.

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