Consumer complaint received 2025-09-25 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:
I am submitting this complaint regarding multiple inaccuracies on my credit report that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, which requires credit reporting agencies to maintain accurate, complete, and verifiable information. The items listed below are reported incorrectly or without proper verification, causing significant harm to my creditworthiness, financial stability, and personal well-being. 
XXXX XXXX XXXX, TX XXXX Wrong Address This address has never been associated with me and its inclusion in my credit report constitutes a false statement and misrepresentation of my personal information. Reporting incorrect addresses violates FCRA Section 1681e ( b ), which mandates accuracy of information. The presence of this incorrect address has caused confusion with creditors, led to delayed account verifications, and caused potential misdirected legal notices. I have been forced to spend countless hours contacting lenders and credit bureaus to clarify that I do not reside at this location. This misreporting has directly affected my ability to secure loans, delayed my application for housing, and caused significant emotional distress knowing that inaccurate personal information is being circulated and relied upon in financial decisions. 
XXXXXXXX XXXX XXXX  XXXX, TX XXXX Wrong Address This address is also incorrectly reported. I have never resided, conducted business, or had any dealings connected to this location. The repeated reporting of incorrect addresses by credit bureaus demonstrates a lack of reasonable procedures to ensure accuracy, violating FCRA 1681i. This error has caused me to be misidentified in potential business transactions and credit inquiries, resulting in embarrassment, delays, and risk of wrongful debt collection. The psychological burden of seeing false personal data on a document that impacts my financial credibility is substantial and unfair. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$46.00} Date Opened : XX/XX/XXXX Chargeoff This account has been erroneously marked as charged off despite my timely communications and partial payments. Reporting this as a charge-off without verification violates FCRA Section 1681s-2 ( b ) and misrepresents my financial responsibility. This error has caused my credit score to drop, impacting my eligibility for car loans, credit cards, and even apartment rental approvals. The false record of delinquency creates an impression of financial irresponsibility that is untrue and has made me subject to unjust judgment from lenders, resulting in frustration, lost opportunities, and undue stress. 
XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$420.00} Date Opened : XX/XX/XXXX Collection This collection is inaccurate and unverified. I have never received proper notification of this debt nor had any legitimate dealings with XXXX XXXX Reporting unverified collections violates FCRA Section 1681i ( a ), which requires credit bureaus to conduct a reasonable investigation within 30 days. The presence of this incorrect collection has caused repeated calls from collection agencies, disrupted my peace of mind, interfered with my financial planning, and unfairly lowered my credit score. Each time I attempt to apply for credit, I must explain and prove that this collection is false, costing me time, energy, and credibility. 
XXXX XXXX * * High Balance : {$610.00} Date Opened : XX/XX/XXXX Collection This account is similarly unverified. I have no records, correspondence, or agreements that justify this collection status. Reporting such false information is a clear violation of my rights and has caused me significant distress. I have faced multiple rejections in credit applications, experienced unnecessary anxiety about potential legal repercussions, and had my financial stability questioned by institutions due to this inaccurate reporting. The burden of correcting this error falls entirely on me despite it being a violation of FCRA obligations, creating a sense of helplessness and frustration. 
I demand the immediate deletion or correction of all inaccurate, unverified, and unauthorized entries listed above. Failure to comply may result in further legal remedies under the FCRA and applicable state laws. These errors have caused tangible financial harm, emotional distress, and damage to my credit reputation. I request written confirmation once the investigations are completed and corrections are made. 
I am providing supporting documentation that verifies my correct addresses, communications regarding disputed accounts, and evidence of unauthorized inquiries. I insist that the credit bureaus comply fully with the FCRA and cease reporting false, misleading, or unverified information.

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