Consumer complaint received 2025-07-29 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 submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because multiple inaccurate and unverifiable addresses, accounts, and inquiries are being reported on my credit profile by the credit bureaus. These errors are seriously harming my creditworthiness and preventing me from obtaining basic financial services. I have previously disputed these items with the credit reporting agencies, but they have failed to properly investigate or correct the inaccurate data. I am requesting CFPBs intervention to ensure a proper reinvestigation, verification, and deletion of these items if the data furnishers can not prove their accuracy with original source documentationXXXX XXXX XXXX XXXX CA XXXX  Law Issue : FCRA 607 ( b ), 611 ( a ), 603 ( c ) Not verifiable, invalid entry format Story : This appears to be an improperly formatted and incomplete address, suggesting either a clerical error or data breach. I have no association with this entry.

Instruction : Immediately delete this erroneous and invalid address. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$440.00} Chargeoff * * Law Issue : FCRA 623 ( a ) ( 1 ) ( A ), 611 ( a ), FDCPA 807 ( 8 ) Charge-off is inaccurate and unverified Story : This account has been charged off incorrectly. The balance is incorrect, the reporting lacks validation, and I have not received proper notice or opportunity to validate the debt.

Instruction : Delete this charge-off entry immediately or provide complete verification documents. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$160.00} Chargeoff * * Law Issue : FCRA 623 ( a ) ( 1 ) ( A ), 611 ( a ), FDCPA 809 ( b ) Debt not validated, incorrect status Story : This charge-off is inaccurate. I requested debt validation which was never honored. The account reporting lacks transparency and violates due process under FCRA and FDCPA.

Instruction : Delete this item unless verified with original contract and payment breakdown. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$750.00} Chargeoff * * Law Issue : FCRA 623 ( a ), FDCPA 807 Inaccurate status and misleading information Story : I was not notified of this charge-off nor given a chance to cure or dispute it. This is inaccurate and damaging.

Instruction : Remove or fully verify with original application, terms, and validation of debt. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Law Issue : FCRA 623 ( a ) ( 1 ) ( A ), 611 ( a ), FDCPA 807 Balance is zero, yet listed as charge-off Story : This account shows a {$0.00} balance yet is reported as charged off, which is misleading and damaging.

Instruction : Remove this account immediately or correct the tradeline to reflect a closed account in good standing. 

U.S. Bankruptcy Court Reference # XXXX Bankruptcy Law Issue : FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) Unverifiable public record Story : This bankruptcy record lacks validation and may have been reported by a third-party vendor rather than verified directly from court. Courts do not report to credit bureaus.

Instruction : Delete this bankruptcy unless you can prove direct sourcing from the court itself. 

XXXX XXXX XX/XX/XXXX Inquiry Law Issue : FCRA 604 ( a ) ( 3 ), 604 ( c ) ( 1 ) ( A ) No permissible purpose Story : I did not authorize this hard inquiry, nor did I apply for any credit with this entity. This is an unauthorized pull.

Instruction : Remove this inquiry for violation of permissible purpose under FCRA. 

XXXX XX/XX/XXXX Inquiry Law Issue : FCRA 604 ( a ) ( 3 ), 611 ( a ) Unpermitted access to credit report Story : I have no relationship or credit request history with this company, making this inquiry unlawful. 
Instruction : Remove this inquiry immediately. 

These errors are having a significant negative impact on my ability to access credit, secure housing, and live free of the consequences of inaccurate reporting. The Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) protect consumers like me from this kind of harm. I have exhausted efforts with the credit reporting agencies, and now I request that the CFPB intervene to ensure compliance with federal law. I demand full reinvestigation and either verified validation or permanent deletion of each item listed above. I ask CFPB to hold the credit bureaus and furnishers accountable for noncompliance with federal law.

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