Consumer complaint received 2025-08-26 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: AZ

Complaint narrative:
To Whom It May Concern I am submitting this complaint regarding multiple inaccuracies and unlawful reporting on my credit report that have caused me severe financial hardship, emotional distress, and 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. The repeated reporting of false addresses, late payments, charge-offs, and collections has resulted in denied credit applications, inflated interest rates, harassment by debt collectors, and substantial stress that has impacted my daily life, work performance, and financial stability. I demand immediate investigation, correction, and removal of these inaccuracies.

XXXX XXXX XXXX, AZ XXXX Wrong Address Issue : This address is falsely associated with my credit profile. I have never resided at this location. Listing false addresses violates FCRA 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy. The incorrect address has led to misdirected mail, calls from collection agencies about accounts that are not mine, and potential identity confusion. This has caused significant stress and XXXX  as I fear misrepresentation of my residency history, and it has complicated legitimate attempts to resolve other accurate debts and financial matters. 
XXXX XXXX XXXX, CA XXXX Wrong Address Issue : This incorrect address creates false residency records on my credit report, violating FCRA 1681e ( b ). It has led to mistaken identity issues, delayed loan approvals, and challenges in securing housing. I have faced repeated inquiries and correspondence regarding accounts that I do not own, causing financial and emotional strain. The false reporting has undermined my trust in the credit reporting system and complicated my interactions with legitimate creditors. 
XXXX XXXX XXXX High Balance : {$320.00}, Date Opened : XX/XX/XXXXXXXX  Late Payment Issue : This late payment is inaccurately reported. I have documented proof of on-time payments or payment misapplications. Reporting false late payments violates FCRA 1681s-2 ( a ) and FDCPA 1692e. This misreporting has negatively impacted my credit score, resulting in higher interest rates, denial of new credit, and additional financial pressure. The continued misrepresentation has caused emotional distress, sleepless nights, and fear of further damage to my credit reputation. 
XXXX XXXX XXXX XXXX  High Balance : {$320.00}, Date Opened : XX/XX/XXXX Charge Off Issue : The reported charge-off is inaccurate and unverified, violating FCRA 1681i ( a ) and FDCPA 1692g ( b ). This has led to unwarranted collection attempts, false assumptions about my payment behavior, and denial of credit opportunities. The stress from repeated collection calls and letters has been overwhelming, causing XXXX, distraction, and disruption to my professional life and personal wellbeing. 
XXXX XXXX XXXX  High Balance : {$470.00}, Date Opened : XX/XX/XXXXXXXX  Late Payment Issue : This late payment is inaccurately reported, violating FCRA 1681e ( b ). The false late payment has led to increased interest rates, credit denial, and financial hardship. Emotional impact includes frustration, worry, and repeated time spent disputing inaccurate reporting while managing legitimate obligations. The misreporting has caused financial instability and unnecessary stress in everyday life. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$5100.00}, Date Opened : XX/XX/XXXXXXXX  Collection Issue : This collection account is unverified and inaccurately reported, violating FCRA 1681i ( a ) and FDCPA 1692g. Immediate correction is required as it has resulted in denied loans, high interest rates, financial stress, and constant XXXX. The misreporting affects daily life, financial planning, and mental wellbeing, creating ongoing hardship and distrust in the credit reporting system. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$350.00}, Date Opened : XX/XX/XXXX Collection * * Issue : This collection is unverified and falsely reported. Reporting unverified collections violates FCRA 1681i ( a ) and FDCPA 1692g. I have received repeated calls, letters, and online collection attempts regarding this account despite disputing it. This has caused XXXX, sleepless nights, disrupted my financial planning, and created fear of further harm to my credit reputation. Immediate removal is required to prevent further damage. 
XXXX XXXX XXXX XXXXXXXX High Balance : {$4300.00}, Date Opened : XX/XX/XXXXXXXX  Collection * * Issue : This collection is inaccurately reported and unverified, violating FCRA 1681i ( a ) and FDCPA 1692e. I have never received proper validation for this debt. The repeated reporting has resulted in denied mortgage and loan applications, inflated interest rates, and undue financial strain. The emotional stress has impacted my ability to focus at work and manage personal obligations. 
XXXXXXXX XXXX XXXX XXXX High Balance : {$1200.00}, Date Opened : XX/XX/XXXX Collection * * Issue : This collection is disputed and falsely reported. Violates FCRA 1681i and FDCPA 1692e. I have documented communication attempts showing no validation of this debt. The false reporting has led to credit denials, higher interest rates, harassment from collection agencies, and emotional stress that has disrupted my day-to-day life. 
XXXXXXXX XXXX XXXX XXXX High Balance : {$4500.00}, Date Opened : XX/XX/XXXX Collection * * Issue : Inaccurately reported collection, violating FCRA 1681i and FDCPA 1692g. Despite my dispute, repeated collection attempts continue. The reporting has caused loan denials, inflated credit costs, financial instability, and stress-related health issues. I have faced difficulty securing housing and credit, and the impact on my personal finances has been profound. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$910.00}, Date Opened : XX/XX/XXXX Collection * * Issue : Unverified, inaccurately reported account. Violates FCRA 1681i ( a ) and FDCPA 1692e. The reporting has caused denial of loans, higher interest rates, repeated collection attempts, and financial and emotional hardship. I have spent significant time attempting to resolve the dispute, causing disruption to my professional and personal life. 
XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Unauthorized hard inquiry violates FCRA 604 ( a ). The inquiry has caused credit score reduction, loan denial, and undue financial stress. Immediate removal is required to correct this unlawful reporting. 
XXXX XX/XX/XXXX Inquiry Issue : Unauthorized inquiry violates FCRA 604 ( a ). The inquiry has lowered my credit score, created difficulties in loan applications, and caused stress and disruption to financial planning. 
XXXX XX/XX/XXXX Inquiry Issue : Unauthorized hard inquiry, violating FCRA 604 ( a ). The reporting has negatively affected my credit score, financial opportunities, and caused emotional stress. 
XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Unauthorized inquiry violates FCRA 604 ( a ). Reporting has negatively affected my credit, caused loan denials, and created stress and financial hardship. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Unauthorized hard inquiry violates FCRA 604 ( a ). The reporting has negatively impacted my creditworthiness, caused loan denials, and imposed stress and financial hardship. 
I demand that all items listed above be immediately investigated, verified, corrected, or removed from my credit report. Continued reporting of inaccurate information constitutes a violation of federal law under FCRA 1681 et seq. and FDCPA 1692 et seq., and I reserve all rights to pursue further legal action if these inaccuracies are not promptly resolved.

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