Consumer complaint received 2025-08-01 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:
To the Consumer Financial Protection Bureau, I am submitting this complaint to formally report multiple inaccurate, misleading, and unauthorized entries currently being reported on my credit file by the credit reporting agencies. This is my second attempt to resolve these matters, but I have received no legitimate resolution. These errors are causing ongoing harm to my financial stability, access to credit, and peace of mind. 
I demand an immediate, lawful reinvestigation and removal of the following inaccurate, misleading, unverifiable, or legally invalid entries listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Balance : {$930.00} | Status : Collection * * Issue : This collection account is being reported without my consent, and I have never received any communication from this provider validating the debt. This violates my rights under 15 U.S.C 1692g ( b ) under the Fair Debt Collection Practices Act ( FDCPA ).

Law : FCRA 611 ( 15 U.S.C. 1681i ) requires you to conduct a reasonable investigation, and FDCPA 809 demands debt validation before reporting. 
Story : I have no known business or engagement with XXXX XXXX XXXX XXXX This collection showed up out of nowhere and was never verified or validated. Reporting this account without proper notice is reckless, harmful, and unlawful. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Balance : {$300.00} | Status : Charge-Off * * Issue : This charge-off is inaccurately being reported with a balance owed when the account has either been paid, settled, or never existed as stated.

Law : FCRA 602A, 607, and 609 require the information to be accurate, complete, and verifiable. 
Story : I had no delinquent balance with XXXX at the time this was reported. I was never given any notice of charge-off or right to dispute, and this negatively impacted my credit during a time of extreme financial hardship. 
HARD INQUIRIES ( Unauthorized or Misused Access ) XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : This inquiry was made without my knowledge or permissible purpose under FCRA 604.

Law : FCRA 604 ( a ) ( 3 ) states consumer reporting agencies may only provide reports for specific permissible purposes. 
Story : I did not apply for any credit from XXXX. This unauthorized inquiry indicates a potential violation of data usage or fraud. 
XXXX XXXX XXXX Date : XX/XX/XXXX Issue : I never authorized or initiated any application or request with XXXX XXXX around this time. 
Law : Same as above.

Story : This inquiry appeared without explanation, and I fear my data was pulled without lawful cause.

Requested Resolution : Immediate deletion of the above accounts and inquiries from all credit bureaus. 
Full investigation with proof of verification. 
Confirmation of completion and results provided to me in writing. 
I am attaching copies of my credit reports and supporting documentation. I am also preparing to submit this matter to the Federal Trade Commission ( FTC ) and my state Attorney Generals Office if no satisfactory resolution is achieved. 
Please treat this complaint with urgency and integrity. Thank you for your assistance.

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