Consumer complaint received 2025-10-13 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: AR

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) because my credit report contains inaccurate, incomplete, and unverified information that has not been corrected despite multiple disputes. These errors have caused damage to my creditworthiness, created financial harm, and demonstrate noncompliance by the credit reporting agencies and furnishers with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I request a full and immediate investigation and correction of all inaccurate items listed below. 

ADDRESSES : XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX, TX XXXX These addresses have never belonged to me and associating them with my file violates FCRA 607 ( B ). They must be deleted immediately as they can cause the mixing of files and inaccurate reporting of accounts I never authorized. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance Owed : {$610.00} Chargeoff * * This account remains unverifiable, with no signed agreement or payment records provided. Under 611 ( A ), unverifiable accounts must be deleted. Reporting this as a charge-off without verified evidence of default violates 607 ( B ). 

XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance Owed : {$860.00} Chargeoff * * No documentation has been produced proving I owe this balance. The furnisher failed to validate the claim, violating 623 ( A ) ( 1 ) ( A ). The continued listing of this unverifiable charge-off must be deleted. 

XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} Chargeoff * * A charge-off can not lawfully exist with a {$0.00} balance. This inconsistency is misleading and violates 607 ( B ). Delete this entry immediately. 

XXXX Account # XXXX | Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} Chargeoff * * This account remains unverified, and no original contract has been presented. Under 611 ( A ) ( 5 ), unverifiable data must be deleted. 

XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} Chargeoff * * This charge-off listing is inaccurate, showing a {$0.00} balance with a derogatory mark. Reporting misleading data violates 607 ( B ). Remove it immediately. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} Chargeoff * * No proof of account ownership has been presented. Under 611 ( A ), unverifiable accounts must be removed. Continued reporting violates 623 ( A ) ( 1 ) ( B ). 

XXXX Account # XXXX | Date Opened : XX/XX/XXXX | Balance Owed : {$130000.00} Late Payment * * This account reflects false late payment data with no validation. Under 607 ( B ), furnishers must ensure maximum accuracy. Delete this item if not supported by written proof. 

XXXX  Account # XXXX | Date Opened : XX/XX/XXXX | Balance Owed : {$9700.00} Late Payment * * This accounts payment history is unverifiable and duplicated. 611 ( A ) requires deletion when the data can not be substantiated with complete records. 

XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance Owed : {$5800.00} Late Payment * * Duplicate entry of the same loan violates 607 ( B ) and must be deleted immediately for reporting the same data multiple times. 

XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} Late Payment * * This late payment record lacks supporting documentation. Reporting unverifiable payment patterns violates XXXX ( A ). Remove it immediately. 

XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} Chargeoff * * This tradeline is inaccurate and unverifiable. No validation or proof of debt exists. Under 623 ( A ) ( 1 ) ( B ), this must be deleted immediately. 

XXXX  Account # XXXXXXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} Chargeoff * * No original contract, billing record, or proof of charge-off exists. Under 611 ( A ) ( 5 ), unverifiable data must be removed to maintain accuracy. 

XXXX Account # XXXXXXXX XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} Chargeoff * * This account continues to reflect inaccurate information. FCRA 607 ( B ) prohibits reporting misleading or incomplete data. Delete this item. 

XXXX Account # XXXXXXXX XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} Chargeoff * * Unverifiable charge-off reporting without any supporting proof of default violates 611 ( A ) and 623 ( A ) ( 2 ). Delete it immediately. 

XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance Owed : {$980.00} Collection * * This collection is unverifiable. No proof of assignment or ownership transfer from the original creditor exists. Under 611 ( A ) and FDCPA 809 ( B ), unverifiable debts must be deleted. 

XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance Owed : {$440.00} Collection * * This is inaccurate and misleading, reflecting duplicate reporting. 607 ( B ) forbids double reporting or misrepresentation of status. Remove it immediately. 

XXXX Account # XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance Owed : {$280.00} Collection * * No validation from the original creditor has been provided. Under 623 ( A ) ( 1 ) ( A ), unverifiable collection data must be deleted. 

XXXX Account # XXXX | Date Opened : XX/XX/XXXX | High Balance : {$6000.00} Late Payment This duplicate reporting violates 607 ( B ) and causes serious inaccuracies in payment history. Delete this immediately. 

XXXXXXXX XXXX Account # XXXX | Date Opened : XX/XX/XXXX | High Balance : {$3000.00} Collection * * This newly reported collection is unverifiable and lacks documentation showing debt ownership. Under 611 ( A ) and FDCPA 809 ( B ), this account must be deleted. 

XXXX XXXX XXXX Reference # XXXX Bankruptcy This record is inaccurate, and there is no verifiable proof from the XXXX XXXX XXXX showing my name or case filing. Under 611 ( A ), unverifiable public records must be removed. 

XXXX XXXX  XX/XX/XXXX Inquiry Unauthorized inquiry with no permissible purpose under 604 ( A ) ( 2 ). Delete immediately. 

XXXX XX/XX/XXXX Inquiry This inquiry was made without my consent or application, violating 604 ( A ) ( 3 ). Remove this unauthorized access. 

XXXXXXXX XX/XX/XXXX Inquiry Unauthorized inquiry with no legal purpose or consent. FCRA 604 prohibits this type of pull. Delete immediately. 

XXXX  XXXX XX/XX/XXXX Inquiry Unauthorized inquiry with no permissible purpose or authorization. Violates 604 and must be removed.

The credit reporting agencies and furnishers have failed to maintain accurate records, verify disputed information, or provide lawful documentation, violating FCRA 602, 604, 607, 609, 611, and 623, as well as FDCPA 807. I request the CFPB to investigate these violations, ensure permanent deletion of all inaccurate information, and require written confirmation of all corrective actions taken.

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