Consumer complaint received 2025-08-06 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 writing this formal complaint to bring to the attention of the Consumer Financial Protection Bureau ( CFPB ) a series of serious violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite my numerous attempts to dispute and resolve multiple inaccuracies, incorrect information continues to appear on my credit report, including false addresses, late payments that I did not incur, charge-off entries that were never properly validated, and several unauthorized hard inquiries that were made without my consent or permissible purpose. I have contacted the major credit reporting agencies ( XXXX, XXXX, and TransUnion ) and the furnishers of these accounts, yet no valid proof or investigation results were provided. Therefore, I am requesting that the CFPB urgently intervene, initiate a full investigation, and compel the responsible parties to permanently delete these items from my credit report in accordance with the law. 
ACCOUNT XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} * * Law : FCRA XXXX  USC XXXX-XXXX  Information furnishers must report accurate data ; FCRA XXXX  USC XXXX  Right to dispute inaccurate information Issue : This account is being reported as a charge-off but is inaccurate and may not belong to me. 
Story : I dispute the validity and accuracy of this account. I was not given proper notice, and this alleged charge-off is hurting my credit unfairly. I request that you reinvestigate and provide me with the method of verification. If this can not be properly validated, it must be removed under the law. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$23000.00} * * Law : FCRA XXXX USC XXXX Reinvestigation requirement ; FCRA XXXX USC XXXX ( b ) Accuracy obligation Issue : This charge-off is not accurate and may be a result of identity confusion. 
Story : I challenge the validity of this auto loan and the amount reported. I was not given a fair chance to verify or dispute this before it was charged off. Please verify its accuracy and origin or delete it permanently from my record. 

The continued reporting of false addresses, inaccurate late payments, unverifiable charge-offs, and unauthorized credit inquiries is causing significant financial harm, emotional distress, and reputational damage. These entries are not only misleading but also unlawful under multiple provisions of the Fair Credit Reporting Act. I have exhausted all direct options with the credit bureaus and furnishers, yet the information remains uncorrected. Therefore, I am requesting the CFPB to immediately investigate these violations, hold the responsible data furnishers and reporting agencies accountable, and compel them to remove all inaccurate and unauthorized entries listed in this complaint. I demand full compliance with the FCRA and the permanent correction of my credit report.

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