Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
I am filing this formal complaint because multiple furnishers and credit reporting agencies are reporting inaccurate, unverified, and legally deficient information on my consumer credit reports. These entries violate the Fair Credit Reporting Act ( FCRA ) and have caused significant harm to my credit profile, financial opportunities, and peace of mind. 

I am demanding a full CFPB investigation into the following accounts, all of which are reported incorrectly, without proper verification, or in violation of federal reporting requirements : ACCOUNTS REPORTING FALSE OR UNVERIFIED INFORMATION XXXX. XXXX Account : XXXXXXXX XXXX Status Reported : Late Payment Issue : I have never received any valid billing statements, notices, or verified evidence supporting any late payment history. This furnisher has failed to meet FCRA 611 and 623 verification standards.

Requested Action : Remove all inaccurate late payment marks immediately. 

XXXX. XXXX XXXX  Account : XXXXXXXX XXXX XXXX  Status Reported : Charge Off Issue : I have no knowledge of this account. No contract, agreement, or authenticated documentation has ever been provided. Reporting a charge-off without validation violates FCRA 602, 609 ( a ), and 623.

Requested Action : Full deletion. 

XXXX. XXXX Account : XXXXXXXX XXXX Status Reported : Charge Off Issue : No original agreement or validated records have been produced. Reporting unverifiable charge-off data constitutes negligent and willful noncompliance under FCRA 616618 .

Requested Action : Immediate deletion. 

XXXX. XXXX XXXX Account XXXX XXXX Status Reported : Late Payment Issue : I dispute the late payment history. The reporting furnisher has failed to provide any proof of delinquency, billing cycles, or legally required notice. 
Requested Action : Correction and removal of late payment entries. 

XXXX. XXXX XXXX  Account : XXXXXXXX XXXX XXXX Status Reported : Charge Off Issue : I have no knowledge of this account and the furnisher refuses to provide legally required validation. This is a direct violation of FCRA 609 ( a ) and 623 ( a ) ( 1 ).

Requested Action : Delete the account entirely. 

XXXX. XXXX Account : XXXX Status Reported : Late Payment Issue : Late payments are being reported without any verified evidence or billing history. The reporting is unverified and inaccurate. 
Requested Action : Remove all late payment history. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Status Reported : Charge Off Issue : Charge-off details are inconsistent and unverified. I have no knowledge of this account being legitimately opened or funded. 
Requested Action : Delete the account. 

XXXX. XXXX  Account : XXXXXXXX XXXX  Status Reported : Charge Off Issue : No validation of this debt has ever been provided. The reporting appears fraudulent or misattributed. 
Requested Action : Delete immediately. 

XXXX. XXXX  Account : XXXXXXXX XXXX XXXX Status Reported : Charge Off Issue : I have no knowledge of this account. The furnisher has failed to show any contract or legitimate records. 
Requested Action : Full deletion for inaccurate reporting. 

IMPROPER & UNAUTHORIZED CREDIT INQUIRIES XXXX. XXXX XXXX Date : XX/XX/year> XXXX. XXXX Inquiry Date : XX/XX/year> Issue : These inquiries were made without my authorization. They constitute an FCRA 604 violation regarding permissible purpose.

Requested Action : Remove both inquiries immediately.

REQUEST FOR CFPB ACTION I am requesting that the CFPB : Investigate each furnisher for failure to provide verification, negligent reporting, and FCRA violations. 

Require the credit bureaus to delete or correct all disputed items that are unverified or inaccurate. 

Ensure all furnishers produce complete validation, not generic templates or unverifiable data. 
Prevent further reporting of unverified information.

Under FCRA 611 and 623, reporting any data that can not be validated is prohibited. I expect prompt corrective action and a formal written response. 

Thank you for your attention to this serious matter.

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