Consumer complaint received 2025-08-21 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: OK

Complaint narrative:
Dear Sir/Madam, I am submitting this formal complaint regarding multiple inaccuracies on my credit report, including wrong addresses, late payments, charge-offs, and collections. These errors have caused me financial harm, undue stress, and violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
Wrong Address Reporting XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, OK XXXX Law Cited : FCRA XXXX ( b ) requires the use of reasonable procedures to assure maximum possible accuracy. Wrong addresses are clear violations of this principle. Further, under FCRA XXXX, disputed information must be corrected or deleted if unverifiable. 
Story ( Extended ) : Reporting addresses that I have never lived at or even been associated with has created unnecessary confusion. These wrong addresses suggest I have connections, homes, or obligations that are entirely false. Every time a lender reviews my credit file, they see addresses tied to me that dont belong, and this raises red flags as if I am hiding something or have unstable residency. Beyond this, the inclusion of false addresses exposes me to the serious risk of identity theft, where unknown individuals with those addresses could potentially link fraudulent accounts to my report. The presence of these wrong addresses not only violates the law but also damages my credibility, making me look irresponsible or even deceptive when in reality these entries are completely inaccurate. 

XXXX XXXX  XXXX XXXX XXXX XXXX Duplicate & Late Payments Issue : Duplicate negative reporting Balance {$120000.00} Opened XX/XX/XXXX Law : FCRA XXXX ( a ) ( XXXX ) & XXXX ( b ). Reporting a duplicate account to reflect the same debt more than once is misleading and unlawful. 
Story ( Extended ) : This is essentially a duplicate or related record of the XXXX account above. Having both accounts reported makes it look like I have double the derogatory history from XXXX single debt, exaggerating the damage to my credit file. This is deceptive to creditors and highly prejudicial against me. Because duplicates unfairly double the impact of a negative record, they create inaccurate impressions about my credit history. Such reporting is clearly prohibited under federal law and must be deleted to meet the standard of accuracy. 

XXXX XXXX XXXX XXXX Charge Off Issue : Charge Off {$4900.00} Opened XX/XX/XXXX Law : FCRA requires strict accuracy. FDCPA XXXX prohibits false reporting of debt. 
Story ( Extended ) : This listing of charge off is not reflective of the true history of this account. It gives the impression that I abandoned a legal obligation without addressing it, when in truth, there are disputes and circumstances surrounding this debt that were not investigated or validated. Because of this charge-off status, my creditworthiness appears severely damaged, causing me to be denied critical financial products such as loans and credit cards. Each time a bank sees charge-off, they assume I am unreliable, when in reality the reporting is unfair and lacks legal validation. The distress of being treated as financially irresponsible in situations like applying for housing or credit cards is humiliating and harmful. 

XXXX XXXX XXXX XXXX XXXX Charge Off Issue : Charge Off {$1100.00} Opened XX/XX/XXXX Law : FDCPA XXXX ( b ) requires full validation prior to collection or reporting. Unverified information must be deleted under FCRA XXXX. 
Story ( Extended ) : I raised disputes on this account, yet it continues to report as a charge-off as if no investigation was made. Allowing inaccurate or unverified derogatory remarks to remain on my file demonstrates negligence in compliance. Every time a creditor denies me, I am faced with explaining a charge-off that should not even exist if validation had been properly obtained. This undermines both my dignity and confidence as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Issue : Charge Off {$1000.00} Opened XX/XX/XXXX Law : Same as above FCRA XXXX ; FDCPA XXXX ( b ). 
Story ( Extended ) : Having such small amounts reported as charge-offs still delivers devastating weight to my profile. Even if the debt is disputed or unvalidated, the mere presence of a charge-off makes lenders view me in the worst possible light. I deal with anxiety and worry every time I apply for credit, fearing this unjust reporting will be held against me. My financial reputation, built with effort, is being torn apart unfairly by information that can not even be verified. 

XXXX XXXX XXXX XXXX XXXX  Late Payments Issue : Balance {$12000.00} Opened : XX/XX/XXXX Late Payments Reported Law : FCRA XXXX ( a ) ( XXXX ) makes reporting of late payments older than 7 years illegal. 
Story ( Extended ) : The lateness reported here is so old that under the law it is legally prohibited from remaining. Yet the continued presence burdens me every day. Student loans already bring stress and challenges; compounding that with illegal negative reporting only worsens consumer hardships. These obsolete late payments misrepresent my financial responsibility to any prospective lender or employer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Two Accounts, Duplicate Charge Offs Issue : Charge Offs Balances {$4800.00} and {$11000.00} Both Opened XX/XX/XXXX Law : Reporting duplicate accounts creates false impressions of debt load a violation of FCRA accuracy standards.

Story ( Extended ) : The duplicate reporting of these accounts has made it appear as though I owe significantly more than I do. This exaggerates my liabilities and portrays a misleading image of my repayment ability. The impact has been devastating, leading lenders to believe my debt-to-income ratio is far greater than reality, causing adverse credit decisions. This kind of unfair duplication has no justification and must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Issue : Charge Off {$5000.00} Opened XX/XX/XXXX Law : FCRA demands all derogatory information must be verified ; FDCPA requires validation upon dispute. 
Story ( Extended ) : I disputed this account, yet the charge off still stands. Unverified reporting is not legal. This tradeline presents me as someone who abandons repayments, tarnishing my profile in the eyes of future creditors. These false impressions have caused embarrassment and rejection. Without proper validation, maintenance of this tradeline is punishment without legal basis. 

XXXX XXXX XXXX XXXX  High Balance : {$3900.00} Date Opened : XX/XX/XXXX Type : Charge Off Issue : This account is being reported as Charge Off without showing proper payment records, settlement terms, or supporting details. The reporting is incomplete and does not present an accurate, full picture. 
Law : Under FCRA XXXX ( a ), when a consumer disputes an account, the credit reporting agency must conduct a reasonable investigation. If complete and verified information can not be obtained, the tradeline must be corrected or deleted. Incomplete reporting makes the entry misleading, which is prohibited under FCRA XXXX ( b ). 
Story : During the time this debt allegedly charged off, I was going through severe personal and financial hardship, struggling to cover even basic expenses. I had reached out for assistance, but the limited options available at the time left me vulnerable. Despite my attempts to communicate, the account was abruptly charged off, and now it reflects negatively without any context that shows my true efforts to resolve matters. This incomplete reporting makes me appear irresponsible to lenders, when, in fact, my situation was XXXX of hardship, not recklessness. Because of this account, I was denied approval for a personal loan that could have helped consolidate and manage my expenses responsibly. As a result, my financial setback deepened unnecessarily. 

XXXX XXXX XXXX High Balance : {$490.00} Date Opened : XX/XX/XXXX Type : Collection Issue : This appears to be a repeat of the earlier XXXX  collection account, reported again with slightly modified details. Such multiple listings distort my credit history and create artificially severe negative impact. 
Law : Under FDCPA XXXX ( XXXX ) ( A ), misrepresenting the legal status of debt or presenting one debt as multiple is considered a deceptive collection practice. In addition, FCRA requires accuracy and prohibits duplicate or misleading reporting.

Story : This small debt is exaggerated into a bigger issue by being reported twice under different entries. For a consumer trying to recover and rebuild, this is devastating. Even though the alleged balance is relatively low, the harm it causes by being doubled-up on my credit file is extreme. When I recently applied for renters insurance for my familys apartment, I was marked as high risk solely because of these repeated collections, making it harder and more expensive for my family to have even basic security. The unfairness of the situation can not be overstated my reputation and opportunities are being unfairly destroyed by a debt that should never appear twice. 
Final Appeal and Demand Request for Action : XXXX. Conduct a thorough investigation of all disputed accounts and addresses. 
XXXX. Correct or delete all inaccurate, misleading, or unverifiable entries. 
XXXX. Provide written confirmation of corrections and deletions. 
XXXX. Investigate the credit furnishers for compliance with FCRA and FDCPA requirements. 
I request that CFPB intervene to ensure these inaccuracies are corrected promptly. Continued reporting of these erroneous accounts is a violation of federal law, and I reserve the right to pursue legal remedies if necessary. 
Thank you for your immediate attention. I expect acknowledgment within the 30-day period required by FCRA, with a full resolution communicated in writing.

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