Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I am filing this formal complaint because multiple furnishers and credit reporting agencies are reporting inaccurate, unverified, unauthorized, and damaging information on my consumer credit files. These entries violate my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 602, 607 ( b ), 611, and 623, as well as the Fair Debt Collection Practices Act ( FDCPA ) where applicable. 

I have repeatedly requested proper verification and correction of these items, yet the furnishers and the credit bureaus have failed to provide legally required validation or reinvestigation results. 

XXXX. Unverified Charge-Off Accounts I Have No Knowledge of These Accounts The following accounts are being reported as charge-offs, but I have no knowledge of ever opening, authorizing, or owing these accounts. They remain unverified, in violation of FCRA 611 and 623 : XXXX XXXX  XXXX # XXXX Date Opened : XX/XX/XXXX High Balance : {$1700.00} Charge Off XXXX XXXX  # XXXX Date Opened : XX/XX/XXXX High Balance : {$2500.00} Charge Off XXXX XXXX  XXXX # XXXX Date Opened : XX/XX/XXXX High Balance : {$1600.00} Charge Off XXXX # XXXX Date Opened : XX/XX/XXXX High Balance : {$5300.00} Charge Off XXXX XXXX  # XXXX Date Opened : XX/XX/XXXX High Balance : {$11000.00} Charge Off These accounts are inaccurate, unauthorized, and unverified. 
I demand immediate deletion from all credit bureaus as required by federal law. 

XXXX. Late Payment Reporting Inaccurate Reporting The following account is reporting a late payment, which is false and damaging. 
I have never made any late payment on this account, and the reported history is incorrect : XXXX # XXXX Date Opened : XX/XX/XXXX High Balance : {$3400.00} Late Payment This is a direct violation of FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ), which requires furnishers to report with maximum possible accuracy. 
I demand immediate correction of the account history, NOT deletion. 

XXXX. Unauthorized Collection Account I Have No Knowledge of This Debt The following collection account is appearing without any prior notice, validation, or proof. I have no knowledge of this alleged debt : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} Collection This violates FDCPA 809 ( b ) and FCRA 611 since no validation has ever been provided. 
I demand deletion of this collection account immediately. 

XXXX. Unauthorized Hard Inquiries Not Authorized by Me The following hard inquiries were not authorized, not permitted, and conducted without my consent : XXXX XXXX XX/XX/XXXX Inquiry XXXX  XXXX XX/XX/XXXX Inquiry These violate FCRA 604.

I demand immediate removal of these unauthorized inquiries.

Requested Resolution I am requesting that the CFPB compel each furnisher and the reporting credit bureaus to : Delete all unverified and unauthorized charge-off and collection accounts listed above. 

Correct the inaccurate late payment information. 

Remove the unauthorized hard inquiries. 

Provide full documentation proving compliance with FCRA and FDCPA. 

This ongoing inaccurate reporting is causing severe financial and personal harm, and the refusal to properly investigate is a breach of federal law. 

Thank you for your attention. 
I request immediate action and written confirmation of all corrections and deletions.

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