Consumer complaint received 2025-08-13 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:
To Whom It May Concern, I am filing this complaint regarding multiple inaccuracies, wrongful reporting, and unauthorized inquiries appearing on my credit report. These errors have caused significant damage to my creditworthiness, resulting in stress, financial loss, and potential denial of credit. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request immediate investigation and correction of each item listed below. Each entry includes the account/address/inquiry, the specific issue, applicable law, and a detailed explanation. 
Address Disputes XXXX XXXX XXXX, TX XXXX Issue : Wrong address reported Law : FCRA Section XXXX ( a ) ( XXXX ) Ensures personal information must be accurate and verifiable. 
Story : This address has never been associated with me, yet it appears on my credit report. Because of this error, I have experienced misdirected correspondence from creditors, delays in receiving important financial documents, and confusion during identity verification processes. Such inaccurate reporting increases the risk of identity theft, potential fraudulent account openings, and unwarranted inquiries by lenders, creating a cascade of negative consequences on my financial life. Immediate removal or correction is imperative to ensure that my credit report reflects only accurate personal information. 
XXXX XXXX XXXX, TX XXXX Issue : Wrong address reported Law : FCRA Section XXXX Requires that inaccurate information be investigated and corrected promptly. 
Story : This address is entirely unrelated to me, yet it is listed on my credit file. The inclusion of this incorrect information has caused confusion with lenders and credit reporting agencies, potentially affecting my ability to secure loans or credit in a timely manner. The continued presence of this error undermines the integrity of my credit history and exposes me to risks of mistaken identity, incorrect credit assessments, and financial mismanagement by institutions relying on flawed data. Correcting this is not just a matter of accuracyit is essential to protect my financial reputation and security. 
Account Disputes XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * Issue : Incorrect late payment reported Law : FCRA Section XXXX ( a ) ( XXXX ) ( A ) Requires accurate reporting of payment history. 
Story : All payments for this account were made on time, yet it is reported as late. This inaccuracy has impacted my creditworthiness and credibility with lenders, creating unwarranted stress and potential denial of new credit applications. Such false reporting violates federal law and negatively impacts my financial standing. Correcting this record is essential to reflect my true payment history. 
XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$100.00} * * Issue : False late payment Law : FCRA Section XXXX ( a ) ( XXXX ) Story : Despite making timely payments, this account is inaccurately reported as having a late payment. This has unjustly lowered my credit score and impacted my financial opportunities. Errors like this erode trust between consumers and financial institutions and are violations of federal regulations designed to protect consumers from inaccurate reporting. 
XXXX OF XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Issue : Incorrect late payment Law : FCRA Section XXXX Requires investigation and correction of disputed information within XXXX  days. 
Story : This account has had all payments made on time. Reporting a late payment falsely depicts financial irresponsibility and has negatively impacted my ability to obtain credit or refinance existing accounts. Correcting this error is vital to prevent further negative consequences on my credit profile. 
XXXX XXXX Account # XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$560.00} * * Issue : Incorrect chargeoff Law : FCRA Sections XXXX, XXXX ; FDCPA Section XXXX ( b ) Story : This account has been partially paid, yet it is reported as a full chargeoff. Misreporting this information inaccurately portrays my financial responsibility and may influence lenders to deny credit or charge higher interest rates. Immediate correction is essential to prevent ongoing financial harm and misrepresentation. 
XXXX XXXX Account # XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Issue : Incorrect chargeoff Law : FCRA Sections XXXX, XXXX, XXXX Story : This account was fully satisfied ; reporting it as a chargeoff is false and misleading. It adversely affects my creditworthiness and misguides lenders when assessing my financial reliability. Immediate correction is required. 
XXXX XXXX XXXX Account # XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$21000.00} * * Issue : False late payment Law : FCRA Section XXXX ( a ) ( XXXX ) ( A ) Story : Payments were made according to the agreed schedule. Reporting a late payment is inaccurate and has caused significant negative impact on my credit score, resulting in financial difficulties and potential denial of credit. Immediate correction is necessary. 
XXXX Account # XXXX XXXX XXXX Date Opened:XXXX Balance Owed : {$0.00} * * Issue : False late payment Law : FCRA Section XXXX ( a ) ( XXXX ) Story : Payments were timely, yet inaccurately reported as late. This creates unnecessary financial stress and misrepresentation to lenders, negatively impacting my financial reputation. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Issue : False late payment Law : FCRA Section XXXX Story : All payments were timely, yet reported as late. This incorrect reporting negatively impacts my credit score and could hinder future credit opportunities. Immediate correction is legally required. 
XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$230.00} * * Issue : False chargeoff Law : FCRA Sections XXXX, XXXX Story : Account is current and paid ; reporting it as a chargeoff is misleading and harmful to my credit profile. Immediate correction is required. 
Inquiry Disputes All inquiries below were unauthorized or inaccurately reported, violating FCRA Section XXXX ( a ) ( XXXX ) : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX Issue : Unauthorized or inaccurately reported inquiries Law : FCRA Section XXXX ( a ) ( XXXX ) Story : Many inquiries were not authorized by me or are duplicates. Unauthorized inquiries artificially lower my credit score, negatively impacting loan approvals and interest rates. Removing these inquiries is legally required and essential to restore the integrity of my credit profile. 
I request that each dispute be fully investigated and corrected as required by federal law. These inaccuracies have caused significant financial harm, stress, and potential denial of credit. I expect timely resolution and confirmation of correction.

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 explanation