Consumer complaint received 2025-10-01 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: AL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding several inaccurate and harmful items being reported on my credit file by furnishers and credit reporting agencies. These items are either false, unverifiable, or unauthorized, and they are damaging my credit standing, financial opportunities, and personal reputation. 
XXXX XXXX XXXXXXXX Account # XXXX Date Opened : XX/XX/XXXX High Credit : {$540.00} Collection I have no knowledge of this account and no contractual agreement with this company. This debt is unverified, inaccurate, and appears to be fraudulent. Under FDCPA 809 ( a ), a debt collector must provide proper validation of any alleged debt before reporting or attempting collection. No such validation has been provided to me. Reporting this unverified collection is a direct violation of my consumer rights. This account must be deleted immediately because it is inaccurate, misleading, and causing irreparable harm to my creditworthiness. 
XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX High Credit : {$2600.00} Collection This account is reported as a collection but I have never had any relationship with this company. I never received validation or verification of this alleged debt. Reporting it violates FDCPA 807, which prohibits the use of false, deceptive, or misleading representations. It also violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. This account is false, unverifiable, and harmful. I am demanding its permanent deletion. 
XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX High Credit : {$69.00} Charge-Off This charge-off account is inaccurate and misleading. I never had a delinquent account with XXXX XXXX. If this account is being reported as mine, it is either an error, identity theft, or misattribution of another consumers debt. Reporting a charge-off that does not belong to me is a direct violation of FCRA 602, which requires fair and accurate reporting. It also constitutes defamation of character and has negatively impacted my ability to secure housing, employment, and financial opportunities. Since no valid proof of ownership, contract, or payment history has been provided, this account must be removed immediately. 
XXXX Account # XXXX Date Opened : XX/XX/XXXX High Credit : {$5000.00} Charge-Off I have no knowledge of this alleged account and I have never authorized or signed for any contract with this company. Reporting a charge-off that is not mine is false, misleading, and damaging to my reputation and financial standing. This is a violation of FCRA 607 ( b ), which requires maximum possible accuracy, and FCRA 623 ( a ) ( 1 ) ( A ), which prohibits the reporting of inaccurate information. Since no valid contract, payment history, or proof of ownership has ever been provided, this account must be permanently deleted. 
XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX High Credit : {$160.00} Collection This collection account is false and completely unknown to me. I never entered into any agreement with this company. Under FDCPA 809, debt collectors are required to provide proper validation of a debt before collection activity or reporting it to the credit bureaus. No validation has ever been sent to me. Reporting this account is a violation of FDCPA 807 ( false or misleading representation ) and FCRA 623. This is fraudulent and harmful, and I am demanding its immediate deletion. 
XXXX XXXX XXXX XX/XX/XXXX I did not authorize this inquiry. Reporting unauthorized inquiries creates the impression that I am applying for credit when I am not, which damages my credit profile and lowers my score. This is a violation of FCRA 604, which requires permissible purpose before an inquiry is placed. Since no written authorization or permissible purpose exists for this inquiry, it must be removed immediately.

Relief Requested I am requesting that the CFPB investigate these violations and hold the reporting agencies and furnishers accountable. Specifically, I request : 1. Immediate deletion of the inaccurate charge-off and collection accounts.

2. Removal of the unauthorized inquiries.

3. Written confirmation that these corrections have been made.

4. Enforcement action against any company found in violation of FCRA or FDCPA requirements. 
The continued presence of these items has caused me credit denials, financial hardship, and emotional distress. I am requesting urgent intervention and resolution.

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