Consumer complaint received 2025-11-04 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:
Dear CFPB Representative, I am filing this complaint because several credit reporting agencies and data furnishers are reporting inaccurate, unverifiable, and unauthorized information on my credit reports. Despite my efforts to dispute these items with the credit bureaus, the information remains uncorrected and continues to damage my credit profile. 
Below are the specific items in question : Incorrect Personal Information XXXX XXXX XXXX, XXXX, TX XXXX This is not my address and should be deleted immediately. 
Account Disputes XXXX XXXXXXXX Account # XXXX * High Balance : {$430.00} | Date Opened : XX/XX/XXXX | Status : Charge Off I have no knowledge of this account, and I do not recall ever opening or authorizing such credit with XXXX XXXXXXXX. Please provide documentation verifying this debt or delete the account entirely if verification can not be provided. 
XXXX Account # XXXX * High Balance : {$120.00} | Date Opened : XX/XX/XXXX | Status : Late Payment This account is reporting incorrect payment history. I have never made any late payments on this account. Please review and update all payment history to show Paid on time for all months reported. 
XXXX Account # XXXX * High Balance : {$370.00} | Date Opened : XX/XX/XXXX | Status : Charge Off I have no knowledge or record of this account. I request immediate verification and deletion if the furnisher can not provide complete signed documentation proving this account belongs to me. 
XXXX XXXX Account # XXXX * High Balance : {$800.00} | Date Opened : XX/XX/XXXX | Status : Collection This appears to be a duplicate or inaccurate entry related to another Portfolio account. I request deletion of this item due to unverified and duplicated reporting. 
XXXX XXXXXXXX Account # XXXX * High Balance : {$1300.00} | Date Opened : XX/XX/XXXX | Status : Collection I do not recognize this account and have never been contacted by this company regarding any balance owed. Please provide full validation including the original creditors name, account application, and signed documents. If unavailable, delete this item per FCRA 611. 
XXXX XXXX XXXX Account # XXXX * High Balance : {$150.00} | Date Opened : XX/XX/XXXX | Status : Collection I have no knowledge or record of this debt. XXXX XXXX XXXX has failed to provide me with any prior validation notice. Therefore, I request the immediate removal of this unverified collection account from my credit report. 
XXXX Account # XXXX * High Balance : {$1300.00} | Date Opened : XX/XX/XXXX | Status : Collection I have no relationship with this company. This appears to be an erroneous or re-aged collection. Please verify this account with the original creditor, and if it can not be confirmed, delete it immediately from my report. 
Unauthorized or XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Dated : XX/XX/XXXX I have no recent application or credit request with XXXX XXXX XXXX XXXX. This inquiry is unauthorized and should be deleted from my report to prevent negative impact on my credit score. 
Summary of the Problem I have disputed these items directly with the credit reporting agencies, but they continue to report the same inaccurate information without providing validation or proof of investigation results. The furnishers have failed to provide the original contracts, account applications, or payment records proving these debts are mine. 
These actions violate multiple sections of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 607 ( b ) : Failure to ensure maximum possible accuracy 611 ( a ) : Failure to properly investigate consumer disputes 604 ( a ) : Unauthorized credit inquiries without permissible purpose Requested Resolution I respectfully request the CFPB to : 1. Investigate these accounts and inquiries with the reporting bureaus and furnishers.

2. Require deletion of any account or inquiry that can not be fully verified with proper documentation.

3. Ensure compliance with the FCRA and hold the furnishers accountable for inaccurate and unauthorized reporting.

4. Provide me with written confirmation of actions taken and a corrected version of my credit report.

Thank you for your assistance in resolving this matter. I am submitting this complaint to protect my consumer rights and to ensure that only accurate, verified, and authorized information remains on my credit profile.

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 explanation