Consumer complaint received 2025-10-16 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: VA

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against multiple furnishers and credit reporting agencies for reporting inaccurate and unverified information on my credit file. Despite my previous disputes and requests for verification under the Fair Credit Reporting Act ( FCRA ), these accounts remain inaccurately reported and continue to cause me financial harm, emotional distress, and reputational damage. The following items are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is being reported inaccurately and has no connection to my identity, residence, or financial history. Reporting such data without verification is a clear violation of FCRA 607 ( b ) which requires the maintenance of accurate and verifiable information only. The inclusion of this address may be creating false associations with accounts or activities not belonging to me, leading to confusion and potential credit damage. I have never resided at or conducted any business at this address. Please delete this immediately to comply with federal accuracy standards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is entirely unrelated to my life or credit history. Its appearance on my credit report indicates a data mismatch or identity confusion. Reporting unverifiable personal information violates FCRA 607 ( b ), and keeping it on record can mislead lenders and damage my reputation. I require written verification that you have investigated and removed this incorrect address from my credit file. 

XXXX XXXX  XXXX Charge Off Opened XX/XX/XXXX Balance : {$12000.00} This account is being reported as a charge-off, yet there is no record or documentation from the original creditor showing my authorization, signature, or agreement. Reporting an unverified account is prohibited under FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 5 ). The bureau is required to obtain direct verification from the furnisher. If this can not be confirmed through certified records, it must be deleted. Continuing to report unverifiable data is willful noncompliance with FCRA 616 and exposes your agency to liability. 

XXXXXXXX XXXX XXXXXXXX Charge Off Opened XX/XX/XXXX Balance : {$9700.00} This account reflects as a charge-off but lacks the legally required verification and proof of debt ownership. Without a signed agreement or original validation, this information violates FCRA 604 ( a ) ( 2 ) and 607 ( b ). If the creditor or bureau can not provide direct evidence from the original source showing my responsibility for this account, it must be deleted immediately. Reporting unverifiable debt is considered inaccurate and misleading under federal law. 

XXXX XXXX XXXX Charge Off Opened XX/XX/XXXX Balance : {$2600.00} This account is listed as charged off, but there is no verified evidence proving its authenticity. The FCRA mandates that every consumer report contain accurate and verifiable information, as outlined in 607 ( b ). Without validation from the original creditor, this account remains unsubstantiated and must be removed. Reporting unverifiable information is noncompliant with the consumer protection standards enforced by the Consumer Financial Protection Bureau ( CFPB ). 

XXXX XXXX XXXX Charge Off Opened XX/XX/XXXX Balance : {$2500.00} This account appears to be a duplicate entry with identical dates and similar balances to others listed under the same creditor. Such duplication constitutes false reporting under FCRA 605 ( b ) and must be corrected. Duplicated data inflates my liability and falsely lowers my credit score, causing harm that violates my right to fair credit representation. I demand deletion of all duplicate XXXX XXXX entries immediately. 

XXXX XXXX XXXX Charge Off Opened XX/XX/XXXX Balance : {$1400.00} This is yet another repeated account entry for the same creditor and open date, which proves inaccurate reporting. Under FCRA 607 ( b ) and 611 ( a ) ( 1 ) ( A ), you are required to verify the accuracy of every reported item. This duplication misrepresents my true credit history and must be permanently deleted to maintain compliance with federal reporting laws. 

XXXX XXXX Collection Opened XX/XX/XXXX Balance : {$1600.00} This collection account is obsolete and far beyond the seven-year reporting limit defined in FCRA 605 ( a ) ( 4 ). Continuing to display this outdated account is a violation of federal reporting time restrictions. Additionally, the lack of verification documentation from the original creditor renders it unverifiable under 611 ( a ) ( 1 ). I demand this obsolete account be removed immediately from my file and confirmed in writing. 

XXXX XXXX Collection Opened XX/XX/XXXX Balance : {$260.00} This account shows an impossible future open date, which immediately proves the data is false and invalid. Reporting inaccurate information violates FCRA 607 ( b ) which requires bureaus to maintain maximum possible accuracy. The reporting of a future account undermines the integrity of your reporting process. This false entry must be permanently deleted and fully investigated for data manipulation or technical error.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) initiate a full investigation into these violations by the furnishers and credit reporting agencies involved. Each listed entity has failed to comply with their federal obligations to ensure data accuracy and integrity as outlined by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The inaccurate reporting of unverified charge-offs and false address associations continues to harm my credit standing and violates my rights as a consumer.

I am demanding immediate correction or deletion of all unverified and inaccurate information from my credit report, as well as accountability for the furnishers and bureaus who continue to report such information in violation of federal law. I request that the CFPB enforce compliance, ensure reinvestigation, and confirm that these entities adhere to the full extent of FCRA and FDCPA regulations to protect consumer rights.

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