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: TX

Complaint narrative:
Dear CFPB, I am filing this complaint against the credit reporting agencies and furnishers for multiple violations of 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. ). My credit file contains inaccurate, unverifiable, and misleading information that has caused me financial harm, reputational damage, and emotional distress. Despite my disputes, these items remain uncorrected. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Wrong Address Issue : This address is not and has never been associated with me. It is a completely false connection on my credit report.Law : Under FCRA 1681e ( b ), you are required to maintain maximum possible accuracy in consumer reports. This listing violates that duty.Story : Because of this false address, I have been questioned by lenders and landlords about residences I never occupied. It has created unnecessary suspicion and doubt about my identity. On more than one occasion, I have been forced to provide excessive documentation, wasting my time and damaging my reputation. Being linked to a place where I never lived makes it appear as though I may be connected to fraudulent activity or debts belonging to strangers. This puts me at risk of identity fraud and unfair denials of opportunities. 
XXXX XXXX High Credit : {$29000.00} Date Opened : XX/XX/XXXX Late Payment Issue : The reported late payments are inaccurate, unverifiable, and misleading. They do not reflect my actual payment history.Law : Under FCRA 1681i and 1681e ( b ), the information reported must be accurate, complete, and properly verified.Story : The reporting of late payments has drastically lowered my credit score, which has cost me countless opportunities. For example, I was recently denied refinancing on my car loan, forcing me to remain locked into a higher interest rate. This means I am paying hundreds of dollars more each month than I should. These false lates also prevented me from being approved for a mortgage, delaying my dream of becoming a homeowner. The stress, frustration, and humiliation of explaining to creditors that these lates are not mine has taken a serious emotional toll. 
XXXX XXXX High Credit : {$100.00} Date Opened : XX/XX/XXXX Chargeoff Issue : Reported as a charge-off, but no proof of my responsibility has ever been provided.Law : Under FCRA 1681i and FDCPA 807, furnishing unverifiable information is unlawful.Story : The fact that such a tiny balance of {$100.00} is being used to label me as someone with a charge-off is outrageous. This false entry has unfairly kept me from getting approved for personal credit cards, auto loans, and better financing options. Lenders look at this report and assume I am irresponsible, when in fact the reporting is false. This has caused embarrassment in front of family and friends when I was denied credit in a store, simply because this unverifiable account is poisoning my file. 
XXXX XXXX High Credit : {$130.00} Date Opened : XX/XX/XXXX Chargeoff Issue : Another unverifiable and inaccurate charge-off reported without proper validation.Law : FCRA 1681e ( b ) requires accuracy, and reporting without verification is a willful violation of law.Story : This entry has made my financial life unnecessarily difficult. For an amount as small as {$130.00}, I have been treated like a high-risk borrower. I was denied financing for essential needs and even faced higher deposits on utilities. The XXXX  impact is just as damaging as the financial oneI feel like I am being unfairly punished for something that is not even mine. The continued reporting of this unverified charge-off is destroying my credit and limiting my future. 
XXXX XXXX High Credit : {$730.00} Date Opened : XX/XX/XXXX Chargeoff Issue : This charge-off is not accurate and remains unverified.Law : FCRA 1681e ( b ) requires maximum possible accuracy. Reporting unverifiable information violates this standard.Story : This charge-off is a stain on my credit file that continues to follow me everywhere. For such a small amount, my financial future has been damaged. I was turned down for a car loan and forced to rely on unreliable transportation because this charge-off lowered my score. Insurance companies have charged me higher premiums. My employment opportunities have also been impacted because some employers consider credit reports when hiring. The financial and emotional burden of this false charge-off is unbearable, and it must be deleted. 
Unauthorized & Excessive Inquiries XXXX XXXXXX/XX/XXXX Inquiry Story : This inquiry added instability to my credit profile and made me appear high-risk.Law : FCRA 604 strictly limits inquiries to authorized purposes only. 
XXXX XX/XX/XXXX Inquiry Story : I never applied for this account. The inquiry lowered my score and created confusion for creditors.Law : FCRA 604 ( b ) ( 2 ) requires clear consumer consent for credit inquiries. 
XXXX XXXX XX/XX/XXXX Inquiry Story : This inquiry unfairly lowered my score and misrepresented my behavior.Law : FCRA 604 forbids inquiries without consumer-initiated request. 
XXXX XXXX XX/XX/XXXX Inquiry Story : This unauthorized inquiry misrepresents me as applying for more credit than I did. It caused denials.Law : FCRA 604 ( a ) ( 3 ) ( A ) requires an actual application or request. 
XXXX XXXX XX/XX/XXXX Inquiry Story : This inquiry connects me to a dealership I never dealt with. It damaged my score and credibility.Law : FCRA 604 ( b ) requires my express written consent before pulling a credit file. 
Damages & Relief Requested The cumulative impact of these false addresses, unverifiable accounts, charge-offs, collections, and unauthorized inquiries has caused : Loan denials ( personal, auto, housing ) Higher insurance premiums Emotional distress, embarrassment, and reputational harm Loss of financial opportunities Requested Action : Require the credit reporting agencies and furnishers to delete or correct all disputed items immediately.

Ensure compliance with FCRA 611, 616, and 617 for reinvestigation and consumer remedies.

Investigate the unauthorized inquiries and hold furnishers accountable for FCRA 604 violations. 
Enforce penalties for continued noncompliance. 
Conclusion I respectfully request the CFPB to investigate these violations, hold the credit bureaus and furnishers accountable, and compel them to correct my credit file. I also request confirmation that these inaccurate items are permanently deleted.

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