Consumer complaint received 2025-09-05 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 formal complaint regarding multiple inaccurate items reported on my credit report that have caused significant financial and personal hardship. I am protected under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires credit reporting agencies to ensure all reported information is accurate, complete, and verifiable. I am requesting immediate investigation and correction of these errors. 
Addresses reported inaccurately : XXXX XXXX, XXXX, TX XXXX This address has been reported incorrectly. I have never lived at this location. Its appearance on my credit report has caused confusion, potential misapplied accounts, and wrongful association with debts that are not mine. Because credit reporting agencies rely heavily on addresses to verify identity, reporting an incorrect address can lead to identity mismatches, wrongful collections, and denial of loans. Under FCRA 1681i ( a ), I have the right to dispute and correct inaccurate personal information. The continued presence of this false address demonstrates a failure to maintain accurate records and a violation of federal law. 
XXXX XXXX XXXX XXXX, XXXX, TX XXXX This property is wrongly attributed to me. I have never resided here and have never had financial obligations associated with it. Misreporting this address undermines my credibility with lenders and may have influenced denials of credit or higher interest rates. Section 1681i ( a ) ( 1 ) ( A ) of the FCRA mandates a reasonable investigation of disputed information. By failing to correct this, the reporting agencies are causing real financial harm and potential reputational damage. 
Accounts reported inaccurately : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$240000.00} Late Payment This account has been falsely reported as late. I have made all required payments on time. The incorrect reporting has resulted in higher interest rates, loan denials, and damage to my credit score. Such false reporting violates FCRA 1681s-2 ( b ), which obligates furnishers to provide accurate account information. This misreporting is a direct financial injury and demonstrates a failure to maintain proper records. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$11.00} Late Payment This account shows a late payment that never occurred. False reporting like this constitutes a violation of FCRA 1681s-2 ( b ) and FDCPA 1692e ( 8 ), as it misrepresents the status of the debt. The negative mark has caused denials of credit and increased borrowing costs, creating unnecessary stress and financial hardship. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$490.00} Late Payment This account is also inaccurately reported. I have maintained a perfect payment history. Reporting false delinquencies violates FCRA 1681i ( a ) and 1681s-2 ( b ), and it has seriously harmed my ability to obtain loans and impacted my personal finances. This negligent reporting is unacceptable under federal law. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$32000.00} Late Payment This account has been falsely reported as late despite my on-time payments. Such inaccuracies violate FCRA 1681s-2 ( b ) and FDCPA 1692e, as the furnisher is misrepresenting my account history. The misreporting has caused financial loss, emotional XXXX, and harm to my reputation, including incorrect risk assessments by lenders. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$34000.00} Late Payment This account is falsely marked as late. I have always paid on time, and this inaccurate reporting violates FCRA 1681i requiring correction of false information and FDCPA 1692e, prohibiting misrepresentation of debt status. The impact includes reduced creditworthiness, higher loan costs, and undue XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This account has been incorrectly reported as late. I have fully satisfied all obligations associated with this account. The false reporting has negatively impacted my credit score, created the appearance of delinquency, and may have caused denials or higher rates on credit applications. Under FCRA 1681s-2 ( b ), furnishers must report accurate account information. The continued listing of this false late payment constitutes willful misrepresentation and violates federal law. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This account has been inaccurately reported as late. I have never missed a payment on this account. This false reporting can lead to increased borrowing costs and reputational harm. FCRA 1681i ( a ) requires that any disputed account be reinvestigated and corrected. The continued misreporting shows negligence and failure to comply with federal reporting standards. 
DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5900.00} Late Payment * * This account has been reported inaccurately as late. I have adhered to the agreed-upon payment schedule. The reporting of a false late payment violates FCRA 1681s-2 ( b ) and FDCPA 1692e, and it has caused financial harm, increased interest rates, and potential loan denials. Accurate reporting is legally required, and failure to comply maXXXX result in statutory liability. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This account is erroneously reported as late. I have never missed any payment. False reporting of on-time accounts violates FCRA 1681s-2 ( b ) and impacts creditworthiness and lending opportunities. This misreporting is harmful, unlawful, and must be corrected immediately. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$26000.00} Late Payment * * This account shows a late payment that never occurred. Reporting false delinquencies violates FCRA 1681s-2 ( b ) and FDCPA 1692e, which prohibits misrepresentation of debt status. This misreporting has directly caused credit harm, potential loan denials, and increased borrowing costs, and constitutes a willful violation of federal law. 
Hard Inquiries reported inaccurately : XXXX XXXX XXXX XX/XX/XXXX This inquiry is unauthorized. FCRA 604 ( a ) ( 3 ) forbids reporting without permissible purpose. Such inquiries can reduce my credit score and misrepresent my financial behavior. 
XXXX XX/XX/XXXX & XX/XX/XXXX These inquiries were not authorized by me. Unauthorized hard inquiries violate FCRA 604 ( a ) ( 3 ) ( A ) and are considered misrepresentation. They negatively impact my credit score and lending potential. 
XXXX XXXX XXXX XX/XX/XXXX This inquiry is not mine, violating FCRA 604 ( a ) ( 3 ) ( A ). Misreporting hard inquiries creates false impressions of credit activity. 
These inaccuracies have led to denial of credit opportunities, XXXX, and financial harm. I request that CFPB intervene to ensure a thorough investigation is conducted, all inaccurate or unverifiable items are corrected or removed, and written confirmation is provided. I also request that all furnishers responsible for reporting these inaccurate items be notified to prevent future violations. 
This matter is urgent. If these errors are not promptly corrected, I will pursue legal remedies under FCRA, FDCPA, and other applicable consumer protection laws, including filing complaints with the FTC.

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