Consumer complaint received 2025-10-06 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:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, misleading, and unlawful entries on my credit report that violate my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., including sections 1681i ( dispute process ), 1681s-2 ( duties of furnishers ), and 1681e ( b ) ( accuracy of reporting ). These inaccurate entries have caused and continue to cause material harm to my creditworthiness, ability to obtain credit, and financial standing. I am requesting a full investigation and correction or deletion of the following accounts. 

Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This address has been repeatedly reported despite my multiple notices indicating it is not mine. Under FCRA 607 ( b ), credit bureaus must maintain accuracy and remove any unverifiable personal information. Continuing to list an incorrect address damages my credit profile and misleads lenders about my residency. Remove this address immediately as it does not belong to me and has no valid documentation or account linkage. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is false and unverified. The continued reporting of this information violates FCRA 611 ( a ) ( 1 ) ( A ) and 604 ( a ) ( 2 ), as no permissible purpose or verifiable proof exists. The presence of this address creates a misleading impression of identity association. Immediate deletion is required to maintain compliance with federal law. 

XXXX XXXX  XXXX Late Payments Date Opened : XX/XX/XXXX High Credit : {$600.00} This account reflects late payments that were never verified with original documentation. Under FCRA 611 and 623 ( a ) ( 1 ) ( A ), furnishers and bureaus must ensure accuracy. Reporting unverified delinquencies after multiple disputes shows reckless disregard for accuracy. Unless original payment records signed by me are provided, this account must be deleted immediately to remain compliant with federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX  Late Payments Date Opened : XX/XX/XXXX High Credit : {$120.00} * * The reported late payments are inaccurate and unverified. Your bureau continues to display false data despite FCRA 602 ( a ) ( 1 ) emphasizing fairness and privacy. Without certified evidence of delinquency, this item must be removed. Failing to delete unverifiable information violates 611 ( a ) ( 5 ) ( A ). Continuous reporting causes ongoing harm to my credit reputation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments Date Opened : XX/XX/XXXX High Credit : {$31000.00} * * This account reflects inaccurate late payments and was not properly verified through a lawful reinvestigation process. Under 611 ( a ) ( 1 ) ( A ), credit bureaus are required to conduct reasonable reinvestigations. I have never received valid verification. Continuing to report unverifiable late data violates my rights under 607 ( b ) and 623 ( a ) ( 1 ) ( D ). Delete this item immediately. 

XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX High Credit : {$600.00} This charge-off is not verified, and the furnisher has failed to provide any proof of contractual obligation or delinquency notice. Under FCRA 611 and FDCPA 807 ( 8 ), you can not continue to report information that lacks validation. Any inaccurate charge-off harms my reputation and creditworthiness. Immediate removal is required. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection Date Opened : XX/XX/XXXX High Credit : {$700.00} * * This collection account is unverifiable. The collector failed to provide proper validation under FDCPA 809 ( b ). The continued reporting of unverified debt also violates FCRA 607 ( b ). XXXX XXXX can not legally report without proof of assignment, contract, and balance accuracy. Delete this item immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Date Opened : XX/XX/XXXX High Credit : {$580.00} * XXXX XXXX XXXX has failed to provide any evidence of ownership, assignment, or validation of this alleged debt. Reporting unverified collection accounts violates FCRA XXXX and FDCPA XXXX ( XXXX ). Since multiple disputes have yielded no verification, this item must be deleted to comply with federal law. 

XXXX FUNDING ( Original Creditor : CREDIT XXXX BANK N.A. ) # XXXX * * XXXX Date Opened : XX/XX/XXXX High Credit : {$1100.00} * * Repeated reinvestigations have failed to produce validation of this debt. The continued reporting of unverifiable information violates FCRA 623 ( b ) ( 1 ) ( A ) and 607 ( b ). XXXX has not demonstrated lawful ownership of this account. The deletion of this item is demanded to restore reporting accuracy. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Date Opened : XX/XX/XXXX Balance : {$1300.00} * * This alleged debt lacks proof of accuracy, ownership, or validation. FCRA 611 ( a ) ( 1 ) ( A ) mandates that unverifiable data must be deleted. This collectors continuous reporting without documentation violates federal law and undermines the integrity of my credit report. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Date Opened : XX/XX/XXXX Balance : {$1900.00} * * Portfolio Recovery continues to report without any evidence of ownership or signed documentation proving I owe this debt. Under FDCPA 809 ( b ) and FCRA 607 ( b ), unverifiable accounts must be deleted. The burden of proof lies on the furnisher, not the consumer. Immediate deletion is demanded. 

XXXXXXXX XXXX XXXX XXXX XXXX  Charge Off Date Opened : XX/XX/XXXX Credit Limit : {$500.00} * * This charge-off is inaccurate and unverified. The furnisher has failed to provide legal validation as required under FCRA 611 ( a ) ( 1 ) ( A ). Continued reporting without certified proof of delinquency violates consumer protection laws. Immediate deletion is required to prevent ongoing damage to my credit. 

XXXXXXXX XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX High Credit : {$700.00} * * No proof of charge-off was provided despite multiple disputes. This violates 607 ( b ) and 611 of the FCRA. Failing to validate or delete after numerous disputes constitutes willful noncompliance. You must immediately remove this account to maintain data accuracy. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX High Credit : {$330.00} * * This accounts charge-off reporting is false and misleading. The furnisher failed to validate under FCRA 611 and FDCPA 809 ( b ). No legal or contractual documentation has been provided to support the accuracy of this record. Delete this item immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX  Charge Off Date Opened : XX/XX/XXXX High Credit : {$690.00} * * This charge-off is unverifiable, and the creditor has failed to validate it. Under FCRA 623 ( a ) ( 1 ) ( A ), only accurate and verifiable information may remain. Continued reporting violates consumer rights and constitutes negligence under 607 ( b ). 

XXXX XXXX XXXX XXXX XXXX  Charge Off Date Opened : XX/XX/XXXX Balance : {$600.00} * * This accounts charge-off status has not been lawfully verified. Under 611 and 623 ( a ) ( 1 ) ( D ), all reported data must be accurate and confirmed. Absence of proof means this item must be deleted immediately to ensure full compliance with the FCRA.

Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Each of these inquiries was conducted without my authorization or permissible purpose as defined by FCRA 604 ( a ) ( 3 ). Reporting unauthorized inquiries violates my privacy and the principle of permissible purpose under 604. Delete all inquiries listed above immediately as they were not initiated or approved by me.

I demand that CFPB intervene to ensure these accounts are fully investigated, verified, and either corrected or permanently removed from my credit report to comply with FCRA standards. The continued reporting of inaccurate information constitutes a violation of federal law and has caused financial and reputational harm, stress, and denial of credit opportunities. I request written confirmation of your findings and the corrective actions taken to resolve these violations.

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