Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because the credit bureaus and several debt collectors are reporting fraudulent, inaccurate, and unverified collection accounts and unauthorized hard inquiries on my consumer credit reports. I have no knowledge of these accounts, never opened them, never authorized any inquiry, and the bureaus failed to follow FCRA procedures during reinvestigation. 
I previously disputed these items with the credit bureaus, but they verified them without providing any proof, violating FCRA 602 ( A ), 607 ( B ), 609 ( A ), 611, 623 ( A ), and FDCPA 807, 808, 809.

Below are the accounts I am complaining about : WRONG ADDRESSES REMOVE IMMEDIATELY ( FCRA 607 ( b ) VIOLATION ) XX/XX/XXXXXXXX Wrong Address I have no connection to this address. Delete it immediately as it increases the risk of identity confusion. 
XXXX XXXX XXXXXX/XX/XXXXXXXX Wrong Address Never lived here. This incorrect address is contributing to inaccurate account matching. 
ACCOUNT DISPUTES ( FCRA 611, 609, 602 )XX/XX/XXXXXXXX XXXXXX/XX/XXXXHigh Balance : {$330.00} Date Opened : XX/XX/XXXX Charge-Off * * Issue : I have no recollection of defaulting on this account. No proper billing statements or notice of charge-off was ever provided to me. Under FCRA 609, provide full validation or delete the account immediately. 
XXXXXX/XX/XXXXHigh Balance : {$310.00} Date Opened : XX/XX/XXXX Charge-Off * * Issue : This account is inaccurately reported. I never received any delinquency notice. The furnisher must provide proof showing I authorized this credit and defaulted. Otherwise delete. 
XXXX XXXXXX/XX/XXXX High Balance : {$590.00} Date Opened : XX/XX/XXXX Charge-Off XX/XX/XXXX Issue : Wrong balance, wrong status, and I dispute owing this amount. No verifiable documentation has been provided. 
DPT EDXXXX XXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXX Late Payment * * Issue : I strongly dispute the late payments. I was never late. Payment history is incorrect and must be corrected immediately under FCRA 607 ( b ). 
XX/XX/XXXX High Balance : {$990.00} Date Opened : XX/XX/XXXX Charge-Off * * Issue : I do not recognize this debt. No contract or proof of ownership has been provided. Delete if unverifiable. 
XX/XX/XXXXXXXX High Balance : {$530.00} Date Opened : XX/XX/XXXX Late Payment * * Issue : I dispute the late payments. I was never notified properly and the dates reported are inaccurate and inconsistent. 
XXXXXX/XX/XXXXHigh Balance : {$300.00} Date Opened : XX/XX/XXXX Charge-Off * * Issue : This account is not mine. I request full validation including signed application and original statements. 
XXXXXX/XX/XXXXHigh Balance : {$24000.00} Date Opened : XX/XX/XXXX Charge-Off * * Issue : The charge-off status is reported incorrectly. I dispute the balance, dates, and ownership. Provide full contract verification or delete. 
XXXX XX/XX/XXXX* High Balance : {$35000.00} Date Opened : XX/XX/XXXX Charge-Off * * Issue : I do not agree with the charge-off and dispute the reported delinquency. Provide verifiable documentation or remove. 
XXXX XXXX XXXX High Balance : {$300.00} Date Opened : XX/XX/XXXX Charge-Off * * Issue : This utility account is inaccurately reported. I never defaulted, and I dispute owing any outstanding balance. 
XXXX XXXX High Balance : {$4300.00} Date Opened : XX/XX/XXXX Collection * Issue : I do not recognize this debt. Provide full validation or delete immediately. 
XXXX XXXX High Balance : {$3600.00} Date Opened : XX/XX/XXXX Collection * Issue : Account is being falsely reported. I never authorized or received a bill for this account. 
XXXX XXXX High Balance : {$870.00} Date Opened : XX/XX/XXXX Collection * Issue : This is not my account. No contract, no billing history, no proof I authorized this debt. This must be validated under FCRA 609 or deleted. 
XXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Collection * * Issue : I have no knowledge of this debt. I never received any notice. Reporting without proper verification is illegal under FCRA 607 ( b ). 
XXXX XXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXX Collection * * Issue : I dispute the entire account. I never opened or acknowledged this debt. Provide signed documentation or remove immediately. 
HARD INQUIRIES UNAUTHORIZED / NO PERMISSIBLE PURPOSE XXXX XX/XX/XXXX Inquiry Issue : I did not authorize this inquiry. No application, no consent. Remove for FCRA 604 violation. 
XXXX XX/XX/XXXX Inquiry Issue : No permission given, no application submitted. Reported without my consent. 
XX/XX/XXXXXX/XX/XXXX Inquiry Issue : I did not give authorization. This is harming my credit unlawfully. 
XXXX XX/XX/XXXX Inquiry Issue : Unauthorized automobile finance inquiry. I never applied or consented. 
Requested Action from CFPB I request the CFPB to : 1. Order the credit bureaus to delete all unverified collection accounts 2. Order the bureaus to delete all unauthorized inquiries 3. Require furnishers to provide real validation or remove the accounts 4. Force the bureaus to comply with a lawful FCRA 609 ( a ) investigation 5. Require the bureaus to send me corrected reports 6. Investigate all companies involved for FCRA and FDCPA violations

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