Consumer complaint received 2025-09-23 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: MD

Complaint narrative:
I am submitting this complaint because multiple creditors are reporting inaccurate, unverifiable, and misleading information on my credit report in direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These false reports have destroyed my creditworthiness, denied me access to housing, employment, and financial stability, and caused ongoing emotional distress. Below are the accounts and their unlawful issues : XXXX XXXX XXXX XXXX, MD XXXX WRONG ADDRESS This address was never connected to me. I never lived, rented, or received mail here. Despite that, the credit bureaus and furnishers have allowed this false address to appear on my credit report. Having the wrong address tied to my file creates confusion, makes me appear connected to other peoples debts, and exposes me to the risk of identity theft. I have already been denied certain applications because lenders questioned why multiple addresses, including this one, appear on my report. This is humiliating and damaging, and it violates FCRA XXXX ( b ). 
XXXX XXXX XXXX  XXXX, MD XXXX WRONG ADDRESS This is another false address on my report. I never had any lease, utility bill, or property connection to this location. Yet, because of this error, I have been treated as if I am financially linked to that area. This wrong reporting has made landlords suspicious, caused extra verification requests in credit applications, and wasted my time and resources. It creates the impression that my identity is unstable, which is extremely harmful in todays financial system. FCRA requires maximum accuracy, but instead, my file is tainted with misinformation. 
XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8900.00} LATE PAYMENT This account is reporting late payments that I dispute. The reporting is inconsistent, not validated, and continues to harm my payment history. These lates have directly caused my credit score to drop, and I was denied an auto loan and a credit card because of this inaccurate entry. I had no proper notice, no documentation provided, and no opportunity to resolve this matter before it was reported negatively. This has caused emotional distress and financial hardship. The furnisher has failed its duty under FCRA XXXX to ensure accuracy and under FCRA XXXX to provide records when requested. The lates must be removed. 
XXXX CRED XXXX DATE OPENED XX/XX/XXXX BALANCE {$4100.00} COLLECTION XXXX XXXX is reporting a {$4100.00} collection account that I dispute in its entirety. They have not provided a valid contract, signed agreement, or itemized proof that this debt belongs to me. Despite repeated disputes, this account remains on my file, lowering my score and labeling me as a delinquent consumer. Because of this account, I was denied a mortgage pre-approval, which has devastated my ability to provide stable housing for my family. This is a severe violation of FDCPA XXXX and FCRA XXXX ( b ). XXXX  conduct is reckless, damaging, and unlawful. 
XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$58.00} COLLECTION This account shows a {$58.00} balance in collections, which is absurd and clearly inaccurate. Such a small amount was never properly billed to me, never validated, and yet it is being reported as a collection. The presence of this tiny but damaging account has caused major denials, because even small collections are seen by lenders as serious delinquencies. This has unfairly painted me as financially irresponsible when in reality this entry is false. Under FDCPA XXXX, a debt collector can not misrepresent or report false information, but that is exactly what has happened here. 
Requested Relief : I request that the CFPB immediately investigate these violations, hold the creditors and credit reporting agencies accountable, and order deletion of all inaccurate, unverifiable, and unlawful reporting. These accounts are being used as a tool to damage my credit standing, and this is a direct violation of my federally protected consumer 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 non-monetary relief