Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16190753

Complaint Overview

Complaint ID: 16190753

Company: Transunion Intermediate Holdings, INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Improper use of your report

Sub-Issue: Reporting company used your report improperly

State: Nevada

ZIP Code: 89148

Date Received: 2025-09-25T12:00:00-05:00

Date Sent to Company: 2025-09-25T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I am filing this complaint with the Consumer Financial Protection Bureau because my credit file contains inaccurate, unverifiable, and damaging information that is being reported and it has caused me harm in terms of credit denials, higher interest rates, and emotional distress. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) but the furnishers and credit bureaus have failed to comply with federal law. The following items are being disputed and require immediate reinvestigation and deletion. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address This address is an error, not connected to me in any way, and should never appear in my credit file. By reporting it, the bureau is violating the requirement of maximum accuracy under FCRA Section 607 ( b ). Since this data can not be verified to belong to me, it is unlawful to continue including it. This incorrect listing ties me to a false residence, creating unnecessary confusion. It makes my credit file unreliable to lenders and employers. It demonstrates a failure in the reinvestigation process under Section 611. The bureau has not provided any documentation proving my connection to this address. Including unverifiable data goes against the very protections the FCRA guarantees me. This false address misleads anyone who reviews my file. The law prohibits the reporting of inaccurate and unverified information. My credit identity is being harmed by this continued error. The address must be deleted at once to comply with federal law. XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Charge Off * * This account is being reported as a charge off, yet it is inaccurate and unverifiable. The FCRA requires under Section 609 that I be provided the source of this information, including contracts, applications, or original account documents. Since no original documentation has been provided in prior disputes, this account remains unverifiable. Reporting an unverifiable debt is a violation of Section 607 ( b ), and the continued inclusion of this account after multiple disputes is a violation of Section 611. Without validation, this account must be deleted. This account is harming my credit score by showing delinquency that has not been verified. It suggests I am responsible for a debt that may not even exist. No original signed agreement has been provided. No billing statements, payment history, or chain of custody documents have been shared. The bureau can not legally assume a debt exists without proper proof. Every lender reviewing my file sees this charge off and denies me credit opportunities. It creates an unfair burden on me, the consumer, when the law requires accuracy. By failing to remove it, the bureau is acting in bad faith. Section 611 demands a reinvestigation, but a reinvestigation can not mean recycling the same unverifiable data. This account undermines the reliability of my credit file. It places me at risk for higher interest rates and loan denials. Under FCRA Section 602, consumers are protected from exactly this type of damage. This charge off is unverifiable, inaccurate, and unlawful to report. XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$310.00} Collection * * This account is listed as a collection, but it is inaccurate and not validated. Under Section 609, I have a right to view the original signed contract or agreement that created this alleged debt, yet none has been provided. Under Section 611, the bureau must conduct a proper reinvestigation and remove unverifiable data. Additionally, Section 604 requires permissible purpose, and a debt without documentation has no legal permissible purpose to remain. Since this account has not been validated, its continued reporting is unlawful and must be deleted. The collector has not proven ownership of this alleged debt. No chain of title has been shown from the original creditor to the collector. No original contract bearing my signature has been presented. Without these documents, the debt is legally unverifiable. Reporting unverifiable information violates Section 607 ( b ). This collection is damaging my credit by making it appear I have failed to pay when no proof exists. It prevents me from obtaining fair credit terms. It is misleading to lenders and employers who may review my file. Every day it remains reported, I face ongoing financial harm. This is not a valid debt unless proven otherwise, and no proof has been given. The bureau is required under Section 611 to delete unverifiable accounts. Failure to do so shows noncompliance. This account is harming my reputation, creating false financial history, and must be deleted immediately. XXXX XXXX XX/XX/XXXX Inquiry This inquiry was not authorized by me and therefore violates the FCRA Section 604, which strictly limits inquiries to permissible purpose only. I never applied for credit, services, or accounts with XXXX XXXX. This means they had no legal right to access my credit file. Under Section 607 ( b ), the bureau must ensure maximum possible accuracy, which includes removing inquiries that can not be proven valid. This unauthorized inquiry has damaged my credit score by making it appear that I am seeking excessive credit. It raises unnecessary red flags to lenders reviewing my file. It also exposes me to risks of fraud, since unauthorized access suggests my personal information may have been misused. The bureau has failed to provide any signed application proving I gave permission for this pull. Without written consent or a legitimate transaction, this inquiry can not be justified under law. Every inquiry must have a permissible purpose, but none exists here. By keeping it, the bureau violates federal law and continues to harm me. Section 611 requires deletion of unverifiable data, and this inquiry falls directly under that. XXXX XXXX has no business with me, no account with me, and no valid reason for accessing my file. This inquiry is unlawful, harmful, and must be deleted immediately. XXXX XXXX XX/XX/XXXX Inquiry This inquiry also violates FCRA Section 604, as I did not authorize XXXX XXXX XXXX XXXX to access my credit file on that date. I have no record of any application or credit request with this institution. The bureau must provide proof of permissible purpose, such as a signed credit application, yet none has been provided. Unauthorized inquiries damage my credit by making it look like I am actively seeking new accounts. Lenders may view this as high risk behavior. This undermines my creditworthiness unfairly and unlawfully. Under Section 609, I have the right to see the source of the information, but nothing valid has been shown. XXXX XXXX has no permissible purpose to review my credit file. Under Section 607 ( b ), this inquiry should never have been reported in the first place. Under Section 611, unverifiable inquiries must be deleted. Every day this inquiry remains on my report, it continues to harm me financially. It suggests a false narrative of my behavior that never occurred. It may also suggest possible identity theft or misuse of my information. Reporting an inquiry without my consent is an FCRA violation that can not be overlooked. This entry is inaccurate, unverifiable, and unlawful, and I demand its deletion immediately. I am demanding that the CFPB take immediate action to enforce compliance with federal consumer protection laws these accounts and inquiries are inaccurate unverifiable and harmful and their continued reporting violates my rights under the FCRA and FDCPA I request permanent deletion of these items from my credit report and corrective action against the furnishers and credit bureaus that failed to uphold their legal responsibilities.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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