Consumer complaint received 2025-09-09 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: SC

Complaint narrative:
I am submitting this formal complaint against the credit reporting agencies and furnishers who have reported inaccurate, incomplete, and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ). These violations are causing direct harm to my financial stability, reputation, and opportunities.

Under FCRA 607 ( b ), the consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. Additionally, under FCRA 609 and 611, I have the right to request verification of any reported account, and under FDCPA 807, no furnisher or debt collector may report false, misleading, or unverified information. Despite this, the following inaccuracies and unlawful reporting remain on my credit file : Wrong & Unverified Addresses Reported XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXX XXXX Wrong Address These addresses are not associated with me. Under FCRA 607 ( b ), the credit bureaus must ensure accuracy and must delete these unverifiable addresses immediately. Keeping false addresses linked to me exposes me to fraud risk and identity confusion. 

Inaccurate & Unverified Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$39000.00} | Date Opened : XX/XX/XXXX | Status : Chargeoff This account is being reported inaccurately and without proper verification. Under FCRA 609 and 611, I am demanding validation of the original signed contract, complete payment history, and legal right to report this information. If such documentation can not be produced, this account must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$100.00} | Date Opened : XX/XX/XXXX | Status : Collection This debt is being reported without proper validation. As per FDCPA 809, debt collectors must provide full validation upon request. If they can not validate with original proof of debt, this account must be removed immediately. 

XXXX XXXX | Acct # XXXX High Balance : {$640.00} | Date Opened : XX/XX/XXXX | Status : Collection XXXX XXXX  is known for purchasing old, unverifiable debts and reporting them inaccurately. I dispute this account in its entirety and demand strict proof of ownership and validation under FCRA 611 and FDCPA 809. Without proper proof, this entry must be deleted. 

Unauthorized & Improper Inquiries XXXX XXXX  | Inquiry Date : XX/XX/XXXX XXXX  XXXX | Inquiry Date : XX/XX/XXXX These inquiries were not authorized by me. Under FCRA 604, no hard inquiry can be made without permissible purpose. Since no permissible purpose exists, these inquiries must be removed immediately as they are damaging my credit standing unlawfully. 

Legal Demand & Relief Requested These inaccurate addresses, unverifiable accounts, and unauthorized inquiries are clear violations of the FCRA and FDCPA. They are negatively impacting my ability to secure credit, housing, and fair financial opportunities. 

I am requesting the CFPB to investigate and enforce immediate corrective action against the reporting agencies and furnishers. Specifically, I am demanding : Permanent deletion of the wrong addresses. 

Full validation or immediate deletion of the XXXX XXXX, XXXX. XXXX, and XXXX XXXX accounts. 

Removal of the unauthorized inquiries from XXXX XXXX and XXXX XXXX. 

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