Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate and unverifiable information that is being reported on my consumer credit file and has not been properly addressed through the credit reporting process. Despite my responsibility to ensure accurate reporting, the information below continues to appear in violation of the Fair Credit Reporting Act. 
The account listed as XXXX XXXX XXXX XXXX, account number ending in XXXX, opened on XX/XX/XXXX, is being reported with late payment history. This reporting is inaccurate. I am disputing only the late payment information associated with this account, as it does not accurately reflect my payment history. A proper investigation is required, and any inaccurate late payment reporting must be corrected. 
The account listed as XXXX  XXXX, account number ending in XXXX, opened on XX/XX/XXXX, is being reported as a charge-off with a balance of {$340.00}. I have no knowledge of this account, do not recognize it, and it is not mine. This account is being reported without proper verification, and I am requesting that it be deleted unless the furnisher can provide competent evidence validating ownership and accuracy. 
The account listed as XXXX XXXX, account number ending in XXXX, opened on XX/XX/XXXX, is also being reported as a charge-off with a balance of {$59.00}. I do not recognize this account and have no knowledge of it. This account does not belong to me and must be deleted if it can not be fully verified. 
The collection account listed as XXXX, account number ending in XXXX, opened on XX/XX/XXXX, with a balance of {$220.00}, is not recognized by me. I have no knowledge of this account, and it does not belong to me. This collection is being reported without proper validation and must be deleted if verification can not be produced. 
The collection account listed as XXXX XXXX XXXX, account number ending in XXXX, opened on XX/XX/XXXX, with a balance of {$120.00}, is also not mine. I have no knowledge of this account and dispute its accuracy and ownership. I am requesting deletion if the furnisher can not properly substantiate this account. 
Additionally, the following inquiries are appearing on my credit report without my authorization : XXXX  dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These inquiries do not appear to have a permissible purpose under the Fair Credit Reporting Act and must be removed if they can not be properly validated. 
I am requesting that the Consumer Financial Protection Bureau require the credit reporting agency and data furnishers involved to conduct a lawful reinvestigation, correct any inaccurate information, and delete any items that can not be fully verified. I expect compliance with the Fair Credit Reporting Act and written confirmation reflecting the results of this investigation.

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