Consumer complaint received 2025-08-07 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:
XXXXDear CFPB Officer,XXXXI am writing to file a formal complaint regarding numerous inaccurate and damaging items being reported on my credit file by various credit bureaus and furnishers. These inaccuracies include incorrect addresses, inaccurate late payments, charge-offs, collections, duplicate accounts, and unauthorized inquiries, all of which violate my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq.XXXXDespite previous attempts to dispute these items with the credit bureaus, they continue to appear, causing harm to my creditworthiness, job prospects, and financial stability. Below is a breakdown of the issues:XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wrong AddressXXXXIssue: This address has no relation to me and I have never lived, worked, or received any correspondence at this location.XXXXLaw: FCRA  1681c(a)(4) prohibits inclusion of inaccurate personal identifying information.XXXXStory: The appearance of this unknown address has caused me significant concern and made me question if my identity is being used fraudulently. This error has negatively impacted my creditworthiness and caused XXXX, particularly during job applications.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wrong AddressXXXXIssue: This address is inaccurate and not linked to meXXXXLaw: FCRA  1681e(b) mandates that consumer reporting agencies ensure the maximum possible accuracy of informationXXXXStory: This address showing up has confused creditors and created doubt during verification processes, resulting in financial setbacks and delays in credit approvals.XXXX XXXX  High Balance: XXXX Date Opened: XXXX  Late PaymentXXXXIssue: The reported late payment is inaccurateXXXXLaw: FCRA  1681s-2(a) requires furnishers to report accurate information.XXXXStory: I made my payment on time and have receipts to prove it. A system error may have caused this false late payment, which unfairly lowered my score and caused my car loan to be denied.XXXX XXXX XXXX High Balance: XXXX Date Opened: XXXX  Late PaymentXXXXIssue: I dispute the accuracy of this late payment.XXXXLaw: FCRA  1681i allows me to challenge inaccurate entries and demand investigationXXXXStory: My account was on auto-pay and this late payment appears to be a bank error. Despite contacting them, this was not corrected and has harmed my creditXXXX XXXX XXXX High Balance: XXXX  Date Opened: XXXX  Late PaymentXXXXIssue: Duplicate account or repeated reporting of same account with conflicting data.XXXXLaw: FCRA  1681e(b)  information must be complete and not misleading.XXXXStory: This duplication has doubled the damage to my credit and creates confusion for lenders. I demand immediate correction or deletionXXXX XXXX High Balance: XXXX Date Opened: XXXX  Late PaymentXXXXIssue: Payment was made on time, but not reflected in reporting.XXXXLaw: FCRA  1681e(b)  requires reasonable procedures for accuracy.XXXXStory: I paid through the portal before the due date. The late mark is not my fault and has caused me to be denied a mortgage.XXXX XXXX XXXX  High Balance: XXXX Date Opened: XXXX   Late Payment\nIssue: I had requested hardship relief but was still marked lateXXXXLaw: FCRA  1681c  unverified or misleading data must be correctedXXXXStory: I was going through a health emergency and communicated clearly with the lender. They failed to adjust my reporting despite agreeing to work with me.XXXX XXXX XXXX  High Balance: XXXX Date Opened: XXXX  Late Payment\nIssue: No late notice was ever sent to me.XXXXLaw: FCRA  1681i  requires reinvestigation upon dispute.XXXXStory: This late mark appeared without any warning or invoice. I only found out after being denied credit.XXXX XXXX  High Balance: XXXX  Date Opened: XXXX  Late PaymentXXXXIssue: System delay caused payment to be recorded lateXXXXLaw: FCRA  1681s-2(b)  furnishers must correct inaccuracies after being notified.\nStory: I submitted my payment on time. It posted late due to internal delays. This late mark is unfair and should be removed.XXXX XXXX XXXX High Balance: XXXX Date Opened: XXXX  Late Payment\nIssue: Reported late despite communication with lender.XXXXLaw: FCRA  1681c  report must be factual and verifiableXXXXStory: I provided full documentation showing my payment status. They agreed to review but still reported it as late.XXXX XXXX High Balance: XXXX Date Opened: XXXX  Late Payment\nIssue: Missed due to hardship and lender miscommunicationXXXXLaw: FCRA  1681e(b)XXXXStory: I faced financial hardship and contacted the lender for relief. They assured me the account would be updated, but failed to follow through.XXXX XXXX XXXX  High Balance: XXXX Date Opened: XXXX  Late Payment\nIssue: Bank error misapplied payment.XXXXLaw: FCRA  1681s-2(a)XXXXStory: My payment was misrouted due to internal error. I had funds and made payment, yet this caused damage to my report and reputationXXXX XXXX XXXX High Balance: XXXX Date Opened: XXXX  Late PaymentXXXXIssue: Duplicate account or misreporting.\nLaw: FCRA  1681e(b)\nStory: Two entries with conflicting balances create confusion and hurt my profile. This is misleading and must be investigatedXXXX XXXX High Balance: XXXX  Date Opened: XXXX  Late Payment\nIssue: Dispute over timing of payment.XXXXLaw: FCRA  1681iXXXXStory: Payment was submitted through online portal. Delay in processing caused false late mark.XXXX XXXX  High Balance: XXXX Date Opened: XXXX  Charge OffXXXXIssue: Charge-off without prior notification.XXXXLaw: FDCPA  809(b) and FCRA  1681s-2XXXXStory: I was not notified about this charge-off. I only found out when checking my report. This is illegal and has severely impacted meXXXX XXXX High Balance: XXXX Date Opened: XXXX   Charge OffXXXXIssue: Vehicle returned, balance cleared, yet charged off.XXXXLaw: FCRA  1681c and FDCPA  807XXXXStory: I returned the vehicle voluntarily and resolved the balance. Reporting a charge-off is unjust and damaging.XXXX XXXX XXXX  High Balance: XXXX Date Opened: XXXX   CollectionXXXXIssue: Unknown account.XXXXLaw: FCRA  1681gXXXXStory: I have no relationship with this company. It appears to be fraudulent activity.XXXX XXXX  High Balance: XXXX  Date Opened: XXXX  CollectionXXXXIssue: Duplicate of above.XXXXLaw: FCRA  1681e(b)XXXXStory: Same account showing twice creates double damage. This must be corrected.XXXX XXXX High Balance: XXXX Date Opened: XXXX  CollectionXXXXIssue: Collection not belonging to me.XXXXLaw: FCRA  1681iXXXXStory: I dispute the validity of this debt and was never contacted by this collector.XXXX XXXX XXXX  High Balance: XXXX Date Opened: XXXX  Collection\nIssue: Duplicate of earlier entry.\nLaw: FCRA  1681e(b)XXXXStory: Double listing of same debt is illegal and misleading.XXXX XXXX  InquiryXXXXIssue: Unauthorized hard inquiry.XXXXLaw: FCRA  604XXXXStory: I did not authorize any application for credit with XXXX XXXX  InquiryXXXXIssue: Unauthorized.XXXXLaw: FCRA  604XXXXStory: I never gave permission for this inquiry and demand removal.XXXX XXXX  InquiryXXXXIssue: UnauthorizedXXXXLaw: FCRA  604XXXXStory: I have not applied for credit with this entity on this date.XXXXSummary and RequestXXXXThis pattern of errors and noncompliance with FCRA is harmful and violates my consumer rights. I have contacted the bureaus and furnishers with no resolution. I am now asking the CFPB toXXXXInvestigate the accuracy and legality of the reporting practices described above.XXXXEnforce correction or deletion of all inaccurate, duplicate, or unverifiable information.XXXXHold furnishers and credit reporting agencies accountable for violating my rights.'

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