Consumer complaint received 2025-11-03 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:
Dear CFPB Representative, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) due to the ongoing inaccurate and unverified information being reported on my credit file. Despite multiple disputes, the following accounts and inquiries remain inaccurately reported and are causing damage to my creditworthiness. These furnishers have failed to comply with the legal requirements of proper investigation, verification, and reporting accuracy as required under federal law. 

Address : XXXX XXXX XXXX, XXXX, TX XXXX This address is inaccurately listed or connected to accounts I have never authorized. I have never received mail, opened credit, or had employment associated with this location. Continuing to report this address violates FCRA XXXX ( B ) for failure to maintain maximum accuracy and XXXX ( A ) for failing to reinvestigate disputed consumer information. The incorrect association of this address has led to false account reporting and must be deleted immediately from my credit file. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * This account is inaccurately reporting as a charge-off though no valid proof of debt exists. Reporting a {$0.00} balance with derogatory status misrepresents the true account condition and violates FCRA XXXX ( B ) and XXXX ( A ). The furnisher failed to verify ownership and account accuracy, violating FDCPA XXXX ( XXXX ) for false credit reporting. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Charge Off * This accounts reporting lacks validation and original documentation proving my authorization. The creditor failed to maintain accurate data and reported inconsistent balances. Under FCRA XXXX ( A ) and FDCPA XXXX ( b ), I am requesting deletion for unverifiable reporting. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Charge Off * * This account shows inconsistent reporting across bureaus and false payment history. The charge-off is unverified and violates FCRA XXXX ( A ) and XXXX ( B ). The creditor failed to provide records of any signed agreement or original contract validating this debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Charge Off * * This account was not authorized by me, and no original signed documentation was ever produced. Continued reporting of unverifiable data violates FCRA XXXX ( A ) and XXXX ( A ) ( XXXX ), which prohibits reporting information known to be inaccurate. 

XXXX XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX * * This accounts reporting date and status are inconsistent and misleading. The data furnisher has not verified its accuracy nor provided proper records, violating FCRA XXXX ( B ) and XXXX ( A ). 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX XXXX XXXX  * This account should not report as charged off since the account was settled and closed with a XXXX balance. Reporting otherwise constitutes inaccurate and misleading data under FCRA XXXX ( B ) and FDCPA XXXX ( XXXX ) ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * A zero-balance account can not legally be reported as charged off. This inaccurate reporting violates FCRA XXXX ( B ) and XXXX ( A ) ( XXXX ). 

XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$970.00} Late Payment * * This accounts alleged late payment is not supported by any billing record. Late reporting without proper verification violates FCRA XXXX ( A ) and XXXX ( B ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} Charge Off * * The accounts charge-off is inaccurate and unverifiable. The company failed to validate the account ownership and billing records, violating FCRA XXXX ( A ) and FDCPA XXXX ( XXXX ). 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * This account has been fully paid and should not show any late payments. Continuing to report delinquency violates FCRA XXXX ( B ) and XXXX ( A ) ( XXXX ). 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$89.00} Charge Off * * The account balance and status are conflicting and unverifiable. This is a violation of FCRA XXXX ( B ) and XXXX ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} Charge Off * * This creditor failed to validate the account per FDCPA XXXX ( b ). Reporting without verification violates FCRA XXXX ( B ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Charge Off * * Duplicate reporting from XXXX creates double damage and false representation of debt. Violates FCRA XXXX ( B ) for inaccurate duplication. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$7300.00} Late Payment * * This account reflects false late payment data and inconsistent dates. This is a violation of FCRA XXXX ( A ) and XXXX ( B ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * Reporting a {$0.00} balance as charged off misrepresents factual accuracy. Violates FCRA XXXX ( B ). 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} Charge Off * * Account status and balance are inaccurate and unverifiable, violating FCRA XXXX ( A ) and XXXX ( B ). 

XXXX XXXX  BANK XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1500.00} Collection * * This collection account is unverifiable and was never validated per FDCPA XXXX ( b ). XXXX such violates FCRA XXXX ( B ). 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} Collection * * The collection agency failed to verify ownership or provide original account documents. Violates FDCPA XXXX ( XXXX ) and FCRA XXXX ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Collection * * Insurance-related debt was never contracted or billed to me directly. Violates FCRA XXXX ( A ) and XXXX ( A ). 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} Collection * * XXXX account is fraudulent and never authorized. No proof of service address or signature has been produced. Violates FCRA XXXX ( B ) and FDCPA XXXX ( XXXX ). 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$370.00} Collection * * This account lacks consumer authorization and proper verification. Violates FDCPA XXXX ( b ) and FCRA XXXX ( A ). 

XXXXXXXX XXXX XXXX XXXX BANKS XXXX * * * * * * * * Date Opened : XX/XX/XXXX Balance : {$450.00} Collection * * Unverifiable reporting and inaccurate ownership records violate FCRA XXXX ( B ). 

XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} Collection * * XXXX  XXXX failed to validate the debt or provide documentation. Continued reporting violates FCRA XXXX ( A ) ( XXXX ). 

XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} Collection * * Duplicate reporting of the same debt is unlawful and misleading. Violates FCRA XXXX ( B ). 

XXXX : XXXX XX/XX/XXXX XXXX consent was provided for this hard inquiry. Violates FCRA XXXX ( A ) ( XXXX ) and XXXX ( b ). 

XXXX XX/XX/XXXX This inquiry was made without authorization or permissible purpose under FCRA XXXX XXXX A ). 

In conclusion, these accounts and inquiries are either inaccurately reported, unverified, or unauthorized. Each furnisher and bureau involved has failed to meet their obligations under the FCRA and FDCPA. I am requesting that the CFPB conduct a full investigation into these violations and compel the furnishers and credit reporting agencies to delete or correct the false data immediately. I also request a written confirmation of your findings and actions taken upon completion of this complaint.

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