Consumer complaint received 2025-07-27 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: CA

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to dispute and request a thorough investigation into multiple inaccurate, unfair, and outdated negative items currently being reported on my credit file. These items are having a severe impact on my creditworthiness and overall financial stability. Despite my good faith efforts to resolve these issues directly with the credit bureaus and furnishers, the following accounts remain inaccurately reported. These actions are in direct violation of my consumer rights as protected under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I now request CFPBs support in holding the involved parties accountable and correcting these harmful errors.

Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Issue : This address is being reported incorrectly and does not belong to me Law : FCRA 15 USC 1681e ( b ) requires data furnishers to maintain maximum possible accuracy Story : I have never lived at this address. This appears to be mixed with another consumers file. Inclusion of this address is inaccurate and damaging Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Issue : This address is not mine and should not be on my credit report Law : FCRA 15 USC 1681b and 1681e ( b ) prohibit inclusion of unverifiable or inaccurate personal data Story : I have no connection to this address and never authorized its reporting. Its presence is likely the result of file mixing Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4800.00} Late Payment * * Issue : This account reflects a late payment that I do not recognize or agree with Law : FCRA 1681i ( a ) and 1681s-2 prohibit reporting unverifiable negative data Story : I was never late on this account. I request documented proof of late payments. If none exists, please delete this derogatory mark Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$5400.00} Chargeoff * * Issue : This charge-off is inaccurate and was never properly communicated to me Law : FCRA XXXX2 ( a ) ( 1 ) ( A ) and ( B ) require accurate reporting and consumer notification Story : This account fell into dispute due to fraudulent activity and was not resolved. I was not informed of any final balance or charge-off, making this inaccurate and unfair Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2900.00} Chargeoff * * Issue : The account status is incorrect and was not handled with proper notice Law : FCRA 1681i ( a ), 15 U.S.C. 1681e ( b ) requires timely investigation and fair reporting Story : I attempted to settle this account, but no communication was made before the charge-off. This was reported prematurely and must be corrected or removed Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4800.00} Chargeoff * * Issue : This is an inaccurate charge-off and was not disclosed properly Law : FCRA 1681s-2 ( b ), 1681e ( b ) Story : I never received notice of default or an opportunity to resolve this account before charge-off. Please remove this from my report unless you can provide legal documentation Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00} Late Payment * * Issue : The reported late payment is incorrect and harmful Law : FCRA 1681i mandates dispute reinvestigation of disputed information Story : I have always maintained this account responsibly. If you can not verify the specific month and terms of the alleged delinquency, this must be removed Account : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$12000.00} Chargeoff * * Issue : Charge-off status is being inaccurately reported without legal substantiation Law : FCRA 1681i, 1681e ( b ), and 1681s-2 Story : The amount reported is inconsistent with my records, and I was not properly notified or given a chance to resolve this. I request full deletion if accurate validation is not provided Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Late Payment * * Issue : This late payment reporting is incorrect and needs reinvestigation Law : FCRA 1681s-2 and 1681e ( b ) Story : I dispute the timing and accuracy of the alleged delinquency. Please confirm with full billing statements or delete Account : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Issue : Charged-off account marked with {$0.00} balance Law : FCRA 1681i and 1681e ( b ) inaccurate reporting standards Story : An account can not be charged off with XXXX liability. This contradicts industry reporting standards and must be removed Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} Collection * * Issue : Appears to be a duplicate of XXXX  account Law : FCRA 1681i ( a ) and FDCPA 809 ( b ) Story : This is the same debt being reported twice under two furnishers, which is misleading and damaging. One or both must be deleted Account : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$270.00} Collection * * Issue : Unauthorized collection account Law : FDCPA 805 ( b ), FCRA 1681i Story : I was never contacted by XXXX or any agency about this debt. No notice, no opportunity to dispute. Please provide proof or delete immediately Inquiry : XXXX XX/XX/XXXX Issue : Unauthorized hard inquiry Law : FCRA 1681b ( c ) permissible purpose required Story : I did not authorize this pull and never submitted an application with XXXX. This is a privacy violation and must be removed Inquiry : XXXX XX/XX/XXXX Issue : Unauthorized credit inquiry Law : FCRA 1681b Story : This hard inquiry was made without my consent or application. It violates my rights and damages my creditworthiness Inquiry : XXXX XXXXXX/XX/XXXX Issue : No permissible purpose for inquiry Law : FCRA 1681b ( a ) ( 3 ) Story : I never applied for this product or authorized this access. Please delete this immediately Inquiry : XXXX XX/XX/XXXX Issue : Unauthorized inquiry damaging my score Law : FCRA 1681b Story : I have no account or application with this lender. This inquiry should be removed Inquiry : XXXX XXXX XX/XX/XXXX Issue : Unpermitted hard inquiry Law : FCRA 1681b Story : This auto dealership ran my credit without consent. This must be deleted to reflect lawful access These inaccurate, unverifiable, and damaging items are causing unnecessary distress and financial consequences. I respectfully urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and conduct a full investigation into the reporting practices related to the above accounts. I request that the CFPB ensure the credit bureaus and data furnishers comply with federal law and either verify the accuracy of these items with full documentation or delete them from my credit report immediately. Thank you for your attention and swift action in helping restore the fairness and accuracy of my credit file.

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