Consumer complaint received 2025-08-11 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:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding multiple false, inaccurate, incomplete, and unverifiable items being reported on my credit file by several furnishers and credit reporting agencies ( CRAs ). These inaccuracies have severely impacted my creditworthiness, caused financial harm, and violated my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, and CFPB regulations.

XXXX XXXX XXXX XXXX TX XXXX Wrong Address Issue : This address is a post office box that I have never rented, visited, or authorized as my mailing location. 
Law : Under FCRA 1681e ( b ), consumer reporting agencies must maintain maximum possible accuracy and remove unverifiable data.

Story : The continuous appearance of this address in my file is highly misleading. It creates a false identity trail and increases the likelihood of debt collectors or fraudulent accounts being linked to me. I have verified with USPS that I have never held a PO Box at this location. Allowing this false address to remain suggests negligence in your verification process and could lead to financial loss, missed opportunities, and reputation damage.

XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX Wrong Address Issue : I have never lived at or been associated with this apartment. 
Law : FCRA 609 and 611 prohibit maintaining mixed file data, where information from one consumer appears in anothers report.

Story : This error likely arose from a similar name match with another individual. Including an unrelated residential address creates suspicion of instability to potential lenders. I have no lease, utility bill, drivers license update, or USPS mail record tied to this location. Past reports show such errors can cause bank account denials, increased interest rates, or false collection activity all unfair consequences to an innocent consumer.

XXXX XXXX XXXX XXXX XXXX TX XXXX Wrong Address Issue : I have never used this or any other P.O. Box for personal or financial purposes. 
Law : FCRA 602 emphasizes consumer privacy, security, and fairness ; falsely linking me to this address breaches all three.

Story : Listing this address as mine exposes me to severe privacy concerns, including creditors sending confidential information to third parties. No bank, credit, or service provider of mine has ever recorded this location. Retaining this entry without verification is a direct compliance failure on your part and a violation of my federal consumer rights.

XXXX XXXX XXXX XXXXXXXX | Date Opened : XX/XX/XXXX | High Balance : {$720.00} | Late Payment ISSUE : The reported late payments are inaccurate and have been reported without sufficient verification. No valid documents or records have been provided despite my request. 
LAW : Under Fair Credit Reporting Act ( FCRA ) 609 ( a ), I have the right to a full disclosure of the information in my file and its source. Under 611 ( a ), if the information can not be verified, it must be deleted immediately.

STORY : I opened this account in XXXX and during the COVID-19 lockdown there were banking system delays, not due to my negligence. Still, the bureau reported late payments without any notice, causing unfair damage to my credit score. 

XXXX XXXX XXXX Acct # XXXX Date Opened XX/XX/XXXX High Balance : {$0.00} Status : Collection Issue : This account shows a High Balance {$0.00} which is impossible for any valid collection. If there is no balance, there is no debt to collect. This suggests either the account is misreported or is a case of re-aging to harm my credit profile. 
Law : Under FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers may not report information they know or should know is inaccurate. Under FDCPA 807 ( 2 ) ( A ), representing an amount owed when none exists is a false representation.

Story : I have never received a valid notice of this debt from XXXX XXXX XXXX. Furthermore, the Date Opened of XX/XX/XXXX is suspicious as it matches a recent period and appears to be an attempt to restart the reporting period. No original creditor information is provided, which violates FCRA 623 ( a ) ( 3 ). This account is harming my credit score unfairly. 

XXXX Acct # XXXX Date Opened XX/XX/XXXX High Balance : {$720.00} Status : Late Payment Issue : This account is reporting ongoing late payments without proof of contract or payment history. There is no evidence of my liability for this account. 
Law : As per FCRA 609 ( a ) ( 1 ), I have the right to request the full method of verification including signed application and original billing statements. Failure to produce proof means the account must be deleted.

Story : I do not recall opening any account with XXXX. No billing statements, no correspondence, and no agreements were ever sent to me. Reporting this account without verification is damaging my creditworthiness, especially since the company may be reporting late payments as a punitive measure without lawful standing. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX High Balance : {$720.00} Status : Late Payment Issue : Late payments are reported for a loan that I believe was never finalized. The lender has not verified my signature on any agreement. 
Law : FCRA 611 ( a ) requires accurate and verifiable information. Unverified accounts must be removed. FDCPA 809 ( b ) allows me to dispute within 30 days of first notice, which I never received.

Story : I never received funds for this account, making it impossible for payments to have been late. This suggests the account was opened in error or fraudulently. I request immediate deletion to prevent further harm to my financial reputation. 

XXXX  Acct # XXXX  Date Opened XX/XX/XXXX High Balance : {$240.00} Status : Charge Off Issue : This account is listed as a charge-off but with minimal amount and no proof of actual charge-off event date from original creditor. 
Law : FCRA 623 ( b ) obligates furnishers to conduct reasonable investigation. FCRA 605 ( a ) prohibits reporting inaccurate charge-off dates.

Story : The reporting date and balance appear inconsistent with my payment records. This may reflect an internal system error. Without original signed agreement and transaction history, this reporting is a violation of my consumer rights.

XXXX XXXX XXXX Accounts Multiple Dates ( XX/XX/XXXX & XX/XX/XXXX ) High Balance {$0.00} Status : Late Payment Issue : Both accounts show {$0.00} balance yet report Late Payment. A XXXX balance can not be delinquent. 
Law : FCRA 607 ( b ) requires maximum possible accuracy. Reporting late payment with {$0.00} balance is materially misleading.

Story : No documentation or notices have been provided verifying any delinquency. Such erroneous reporting could be due to system migration errors from the Attorney Generals office and must be corrected. Updating them to Paid/Closed or deleting is required.

XXXX Acct # XXXX  Date Opened XX/XX/XXXX High Balance {$0.00} Status : Charge Off Issue : Reporting a charge-off for {$0.00} is misleading and false. 
Law : FDCPA 807 ( 8 ) and FCRA 623 ( a ) ( 1 ) forbid false credit information.

Story : No notice of charge-off was sent to me. This entry is likely an obsolete account, beyond the 7-year reporting limit under FCRA 605 ( a ), and thus must be removed immediately.

XXXX XXXX XX/XX/XXXX Issue : This inquiry was made without my authorization and was added to my credit report without my consent, which is illegal. 
Law : Under the Fair Credit Reporting Act ( FCRA ), prior permission is required before conducting a credit inquiry. 
Story : I have never given this company permission to check my credit information. This type of unauthorized inquiry is damaging my credit score, which is harming my financial life.

XXXX XXXX XXXXXX/XX/XXXX Issue : Suspicious inquiry not related to my account. 
Law : According to the FCRA, any inquiry that is not related to my account or transactions is a violation. 
Story : I have never conducted any business with XXXX XXXX  ; therefore, this inquiry is completely false and must be addressed. 

XXXXXXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized inquiry negatively affecting my credit score. 
Law : Under the FCRA, compensation can be sought for unnecessary inquiries.

Story : I have never entered into any agreement with this company. This inquiry appears to be a spam or unlawful attempt. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized inquiry and sharing of client information without consent. 
Law : Under Section 604 of the FCRA, any inquiry without permission is invalid. 
Story : Despite avoiding any transactions with XXXX XXXX XXXX, this inquiry was added to my report, harming my credit performance. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unrecognized and outdated inquiry made without permission. 
Law : The FCRA sets time limits for inquiries, and this one violates those limits. 
Story : I never gave consent for this inquiry, and it has impacted my financial well-being. 

XXXX XXXX  Issue : Suspicious and unfamiliar inquiry. 
Law : Inquiries older than 2 years, or unrelated to an account, are considered unlawful. 
Story : I have no connection to this transaction or inquiry, yet it was added without proper verification. 

XXXX XXXX XXXX  Issue : Unauthorized and illegal inquiry. 
Law : Under the FCRA, unauthorized inquiries should be removed from the report.

Story : Since I never gave explicit permission, this means my credit report contains false information. 

XXXX XXXXXX/XX/XXXX Issue : Unauthorized suspicious inquiry damaging a positive credit history. 
Law : Anti-fraud provisions require that such unauthorized inquiries be explained.

Story : I have never contacted this company, therefore this inquiry must be removed from my report. 

XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : Under the FCRA, I have the right to request removal of unauthorized inquiries.

Story : This inquiry was made without my consent, and I intend to take legal action.

XXXX XXXX XX/XX/XXXX Issue : Illegal inquiry conducted without consent. 
Law : Written consent is mandatory for credit inquiries.

Story : This inquiry should never have occurred on my account ; its compromising my financial security.

Harm Caused and Legal Demand The above errors are not isolated but part of a pattern of willful disregard for accuracy and consumer rights. These violations have : Lowered my credit score significantly.

Caused loan denials and higher interest rates. 
Damaged my reputation with lenders and potential employers. 
Under FCRA 616, 617, I am entitled to actual, statutory, and punitive damages for willful or negligent noncompliance. I request that the CFPB take immediate enforcement action against the furnishers and CRAs to : 1. Delete the inaccurate addresses from my credit file.

2. Remove the unverifiable and incorrect accounts.

3. Ensure full compliance with FCRA and FDCPA going forward.

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