Consumer complaint received 2025-12-03 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:
I am submitting this complaint because my credit report contains multiple inaccurate, unverifiable, and misleading entries that violate the Fair Credit Reporting Act ( FCRA ) Sections 1681e ( b ), 1681i, 1681k, 1681s-2 ( a ) and the Fair Debt Collection Practices Act ( FDCPA ) Sections 1692e, 1692f. These inaccuracies have caused significant harm to my creditworthiness, including denial of credit and financial opportunities. Each account listed below is either unfamiliar, incorrectly reported, or contains unverifiable late payments, charge-offs, or collections. I demand full investigation and removal or correction of all inaccurate entries. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$910.00} Chargeoff * Law/Issue : FCRA 1681i, 1681e ( b ) Account is a charge-off I have no knowledge of ; unverifiable reporting. Story : This account was never opened by me and its presence is a violation of my rights under FCRA ; I request immediate deletion. 

XXXX XXXXXXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$730.00} Chargeoff * * Law/Issue : FCRA 1681e ( b ), FDCPA 1692e Unverified charge-off, inaccurate reporting. Story : I have no relationship with this creditor ; reporting this account without verification is illegal under FCRA and FDCPA. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$690.00} Chargeoff * * Law/Issue : FCRA 1681i, 1681e ( b ) Incorrect charge-off. Story : I never opened this account, making this a false, misleading report requiring deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law/Issue : FCRA 1681i, 1681e ( b ) Late payment reporting is inaccurate. Story : I have never missed a payment ; this false late payment violates my rights and must be corrected. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law/Issue : FCRA 1681i, 1681e ( b ) Inaccurate late payment history. Story : This account reflects late payments that never occurred ; correction is required under FCRA. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} Chargeoff * * Law/Issue : FCRA XXXX, XXXX ( b ) Unknown charge-off. Story : I have no knowledge of this account ; its reporting is misleading and must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Chargeoff * * Law/Issue : FCRA 1681i, 1681e ( b ) Account not opened by me. Story : Reporting this charge-off without verification violates my FCRA rights ; I demand removal. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$140.00} Late Payment * * Law/Issue : FCRA 1681i, 1681e ( b ) Inaccurate late payment. Story : I have never been late on this account ; correction is required. 

XXXX XXXX CO XXXX Date Opened : XX/XX/XXXX Balance Owed : {$160.00} Collection * Law/Issue : FCRA 1681i, 1681e ( b ) Unverified collection. Story : I do not recognize this collection ; reporting it is illegal without verification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8000.00} Collection * * Law/Issue : FCRA 1681i, 1681e ( b ) Unverified collection. Story : I dispute this collection as I have no account with this company ; deletion required. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Date Opened : XX/XX/XXXX Balance Owed : {$760.00} Collection * * Law/Issue : FCRA 1681i, 1681e ( b ) Collection not verified. Story : I have no knowledge of this account ; its reporting is misleading and must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Collection * * Law/Issue : FCRA 1681i, 1681e ( b ) Unverified collection. Story : I did not open this account ; its presence violates FCRA. 

XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} Collection * * Law/Issue : FCRA 1681i, 1681e ( b ) Collection account is inaccurate. Story : This collection was never mine ; remove immediately. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} Collection * * Law/Issue : FCRA 1681i, 1681e ( b ) Unverified collection. Story : I dispute this account as it is inaccurate and violates FCRA. 

I request the CFPB investigate each of these accounts for violations of FCRA and FDCPA. I demand deletion or correction of all inaccurate, unverifiable, or misleading accounts, and confirmation in writing once completed.

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