Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
I am filing this complaint against multiple furnishers and credit reporting agencies for reporting inaccurate, incomplete, and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and CFPB guidelines. The following accounts and inquiries are being reported inaccurately : XXXX XXXX XXXX Balance {$20000.00} Date opened XX/XX/XXXX Issue : This account is being reported with late payments that I do not agree with and that have not been properly validated. Because of these late payments, I was recently denied when I applied for a personal loan to cover urgent medical expenses. My family and I had to struggle and borrow from friends, which was humiliating and stressful. The stress of being denied for something that I never truly defaulted on has created ongoing emotional harm. FCRA XXXX ( B ) requires maximum accuracy, and without proper records these lates can not remain. 
XXXXXXXX XXXX XXXXXXXX Balance {$9000.00} Date opened XX/XX/XXXX Issue : This account is also reporting late payments inaccurately. The effect of these false lates has been devastating. In XXXX, when I attempted to refinance my mortgage to lower my monthly payments, I was denied because of these negative marks. As a result, I am still paying a much higher monthly mortgage rate than I should, which has put me under constant financial pressure. This is not only unfair, but a violation of FCRA 611 and 623. Without validation and proof, these derogatories must be deleted. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : This inquiry was made without my permission. I never applied for new credit at this time and never authorized such a hard inquiry. Unauthorized inquiries violate FCRA 604 ( a ) ( 2 ). Each inquiry lowers my score unfairly and paints me as someone seeking excessive credit when that is not the case. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Another unauthorized inquiry that I never approved. This further damaged my credit standing. Because of multiple unauthorized inquiries, I was denied a credit increase on my existing card. This not only hurt my financial reputation but also restricted my ability to provide for my familys needs during difficult times. This is a violation of FCRA 604 and 606. 
The combined effect of these errors is devastating. I have faced repeated denials for credit, higher interest rates on loans, increased insurance premiums, rejection from rental housing, and even lost opportunities for employment when background checks revealed these inaccurate credit reports. The stress and humiliation caused by these errors can not be overstated. I have had to explain over and over again to lenders, landlords, and employers that I am not irresponsible, but the inaccurate credit file keeps damaging my credibility. This has created unnecessary emotional stress, anxiety, and financial hardship for me and my loved ones.

I am requesting the CFPB to take immediate action and require the furnishers and credit reporting agencies to : 1. Conduct a full and proper investigation of each account and inquiry.

2. Provide me with validation and documentation as required under FCRA 609.

3. Delete or correct all unverifiable, inaccurate, and misleading information from my credit report.

4. Ensure compliance with FCRA, FDCPA, and CFPB guidelines to prevent further harm.

Failure to resolve these violations fairly and promptly will leave me no choice but to escalate through legal channels under FCRA 616 and 617 for damages caused by willful non-compliance.

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