Consumer complaint received 2025-11-05 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 against several entities for reporting inaccurate and unverified information on my consumer credit reports. These errors are severely damaging my credit reputation and causing me financial harm. Despite my prior disputes with the credit bureaus, the following accounts remain inaccurately reported and must be investigated in accordance with the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Reported as Late Payments Issue : The payment history reported is false. I have never made any late payments to this creditor. I am requesting full verification of the payment history and immediate correction of this inaccuracy. 

XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Reported as Charge-Off Issue : I have no knowledge of this charge-off account. This entry is unverified, inaccurate, and must be deleted from my report as required under FCRA XXXX and XXXX. 

XXXX / XXXX XXXX / XXXX Account # XXXX * Reported as Late Payments Issue : The late payment history is completely inaccurate. I have never missed a payment on this account. I demand correction and updated reporting to reflect accurate payment history. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Reported as Charge-Off Issue : I have no knowledge of this alleged charge-off. This account appears to be misreported or unverified. I request deletion due to failure to establish ownership or verification. 

XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Reported as Collection Issue : I have no knowledge of this collection account. It has never been validated, and under FCRA and FDCPA, unverified collection accounts must be deleted. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Reported as Collection Issue : I have no knowledge of this account. No notice of debt validation was ever provided. This violates the Fair Debt Collection Practices Act ( FDCPA ). This account must be deleted. 

XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Reported as Collection Issue : I have no knowledge of this account. It appears to be inaccurate and unverifiable. I request deletion immediately. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported as Charge-Off Issue : I have no knowledge of this account or any delinquency associated with it. It must be investigated and removed as unverified and inaccurate. 

Additionally, an unauthorized inquiry was reported : XXXX XXXX Hard Inquiry dated XX/XX/year> Issue : I did not authorize this inquiry. Under FCRA 604, inquiries without written authorization must be deleted immediately.

These inaccurate entries are in violation of FCRA 602, 607 ( b ), 611, and 623, as well as FDCPA 809 ( a ) where applicable. Each furnisher and credit bureau has failed to maintain maximum possible accuracy, provide validation, or correct false reporting.

I am requesting the CFPB to initiate a thorough investigation into these entities for their continued reporting of false, unverifiable, and damaging information. I also request that all unverified accounts and inquiries be permanently removed from my credit reports across all bureaus Experian, Equifax, and TransUnion. 

Thank you for your prompt attention to this matter. Please provide confirmation of receipt of this complaint and details of the investigation outcome.

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