Consumer complaint received 2025-08-12 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 filing this formal complaint against the credit reporting agencies and the listed furnishers for multiple and severe violations of the Fair Credit Reporting Act ( FCRA ) including but not limited to 602A, 604A, 605B, 609, 611, and 623. My consumer report contains wrong addresses, duplicate entries, inaccurate late payments, charge-offs, collections, and accounts that do not belong to me. These inaccuracies have damaged my creditworthiness, denied me access to fair credit opportunities, and caused emotional and financial harm.

I am demanding an immediate investigation, deletion of all inaccurate information, and full compliance with federal law. Below are the disputed items : Under FCRA 602, 607 ( b ), and 611, you are required to maintain maximum accuracy and conduct a reasonable reinvestigation within 30 days. A " reasonable investigation '' requires you to obtain original source documentation ( not just data from an automated system ) directly from the original creditor. If you can not produce such verification, the disputed entry must be deleted immediately. 

Below are all disputed items, with details of the Issue, applicable Law, and the expanded Story about how each item is inaccurate and harmful : XXXX XXXX XXXX XXXX XXXX XXXX Issue : Never resided herewrong address. 
Law : FCRA 607 ( b ).

Story : I have never rented, owned, or received any form of mail at this location. Associating me with this address can cause lenders, insurers, and businesses to believe I have a residency history that does not exist, potentially linking me to debts, judgments, or even criminal matters associated with a different individual. This false linkage can also be the result of a mixed credit file, which directly violates your duty to maintain maximum accuracy. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX Issue : Incorrect and unrelated. 
Law : FCRA 611 ( a ).

Story : My personal records ( lease agreements, drivers license, utility bills ) show no connection to this property. Incorrect address entries may cause creditors to associate my profile with another individuals accounts or public record filings, potentially affecting interest rates, loan approvals, and employment opportunities. 

XXXX XXXX XXXX XXXX {$270000.00} Opened XX/XX/XXXX Issue : Late payment inaccurately reported. 
Law : FCRA 607 ( b ), 611 ( a ).

Story : My payment receipts contradict the late payment details on file. Incorrect payment history on a high-balance mortgage seriously impacts my creditworthiness, raises mortgage rates, and can even affect insurance premiums. The bureau must obtain signed, date-stamped billing records directly from the lender or delete this entry. 

XXXX XXXX XXXX {$2000.00} Opened XX/XX/XXXX Issue : Charge-off unverifiable. 
Law : FCRA 611 ( a ), FDCPA 807.

Story : Without an original signed contract and complete payment history from the creditor, this charge-off is unverified. An unverifiable negative account harms my credit score while depriving me of the opportunity to obtain fair credit terms. 

XXXX XXXX XXXX XXXX {$300.00} Opened XX/XX/XXXX Issue : Late payment inaccurate. 
Law : FCRA 607 ( b ). 
Story : My bank statements show payments were made within agreed timelines. Mislabeling them as late creates a false narrative of financial irresponsibility, which is particularly harmful for future credit approvals. 

XXXX XXXX XXXX {$0.00} Opened XX/XX/XXXX Issue : Late payment wrongly reported with XXXX balance. 
Law : FCRA 611 ( a ). 
Story : It is logically and legally inconsistent to report late payments for an account that carries no balance. This could mislead underwriters into thinking I am habitually late on payments, when in fact no such delinquency exists. 

XXXXXXXX XXXX XXXX XXXXXXXX Balance {$2100.00} Opened XX/XX/XXXX Issue : Duplicate late payment entries. 
Law : FCRA 607 ( b ). 
Story : Reporting the same account multiple times inflates the perception of my debt load and payment issues. This misrepresentation can drop my credit score by several points unjustly, creating barriers to lending. 

XXXXXXXX XXXX XXXXXXXX XXXX Balance {$840.00} Opened XX/XX/XXXX Issue : Charge-off inaccurate. 
Law : FCRA 611, FDCPA 807.

Story : This account included payment arrangements that were not reflected in the reporting. Failure to update status while reporting a charge-off is misleading to potential lenders and a violation of your obligation to report accurate, complete data. 

XXXX XXXX XXXX {$1100.00} Opened XX/XX/XXXX Issue : Unverified charge-off. 
Law : FCRA 611 ( a ).

Story : Without original creditor validation, this listing must be removed. Retaining unverifiable debt is a form of negligent reporting. 

XXXX XXXX XXXXXXXX XXXX {$330.00} Opened XX/XX/XXXX Issue : Charge-off inaccurate. 
Law : FCRA 607 ( b ).

Story : This supposed charge-off lacks any legitimate proof in my possession or from the creditor. It unjustly harms my ability to obtain revolving credit. 

XXXX XXXX XXXX {$600.00} Opened XX/XX/XXXX Issue : Duplicate charge-off. 
Law : FCRA 607 ( b ). 
Story : Duplication creates an exaggerated picture of my financial obligations and artificially lowers my credit rating. 

XXXX XXXX XXXXXXXX {$9300.00} Opened XX/XX/XXXX Issue : Unverified charge-off. 
Law : FCRA 611 ( a ).

Story : This entry has the largest unsecured balance in dispute. Without hard proof of default, keeping this on file implies a major debt I may not owe, which is damaging to loan applications and interest rates. 

XXXX XXXX XXXX XXXX {$590.00} Opened XX/XX/XXXX Issue : Charge-off inaccurate. 
Law : FCRA 611 ( a ).

Story : Incomplete or missing creditor evidence makes this record unreliable. All negative information must be verifiable from the original lender. 

XXXX XXXX XXXX {$780.00} Opened XX/XX/XXXX Issue : Duplicate charge-off. 
Law : FCRA 607 ( b ). 
Story : Multiple listings for the same creditor violate accuracy rules and mislead creditors. 

XXXX XXXX XXXX XXXX {$3800.00} Opened XX/XX/XXXX Issue : Charge-off unsubstantiated. 
Law : FCRA 611 ( a ). 
Story : Without documentation that includes original agreements, billing records, and payment histories, this charge-off status is unverifiable. 

XXXXXXXX XXXX XXXX XXXXXXXX Balance {$32000.00} Opened XX/XX/XXXX Issue : Late payment inaccurate. 
Law : FCRA 607 ( b ).

Story : With timely mortgage-style payment history documented by bank transfers, showing late payments here is a false and damaging statement. 

XXXX XXXX XXXX XXXX {$620.00} Opened XX/XX/XXXX XXXX XXXX : Inaccurate and unverified utility-related charge-off. 
Law : FCRA 607 ( b ), 611 ( a ). 
Story : Utility debts require precise meter readings, consumption data, billing cycles, and proof of unpaid balances. None of this documentation has been provided. Basing a serious derogatory mark on incomplete info is a violation of your duty for maximum accuracy, and has an undue negative impact on my credit standing. 

XXXX XXXX XXXX XXXX {$5000.00} Opened XX/XX/XXXX XXXX XXXX : Unverified high-balance charge-off. 
Law : FCRA 611 ( a ).

Story : This substantial amount wrongly suggests I defaulted on a major loan. As required, you must retrieve the original promissory note, itemized payment history, and delinquency notice sent to me. Absent this, the claim is unverifiable and unlawfully damaging to my credit profile. 

XXXX XXXX XXXX XXXX Balance {$6000.00} Opened XX/XX/XXXX Charge-off Issue : Inaccurate and unsupported derogatory listing. 
Law : FCRA 606, 611 ( a ).

Story : Reporting such a severe negative entry without furnishing original purchase agreements, account statements, and proof showing actual charge-off status constitutes negligence and harms my ability to secure credit and favorable interest rates. 

XXXX XXXXXXXX XXXX {$30000.00} Opened XX/XX/XXXX XXXX XXXX XXXX : Late payment inaccurately reported. 
XXXX : FCRA XXXX ( b ), XXXX ( a ). 
Story : My own documented bank transfer records reflect timely payments, so portraying this as late paints a false picture. Since this is a large loan, the penalty on my credit profile is severe, affecting mortgage terms and overall credit ratings. 

XXXX XXXX XXXX {$1100.00} Opened XX/XX/XXXX XXXX XXXX : Unverified buy now, pay later debt. 
Law : FCRA 611 ( a ).

Story : No transaction log, installment history, or signed agreement has been produced. Without exact proof, this entry is unverified and misleading. 

XXXX XXXX XXXX XXXX {$500.00} Opened XX/XX/XXXX XXXX XXXX : Duplicate entry. 
Law : FCRA 607 ( b ).

Story : Reports the same obligation as # 13 ; duplicated derogatories artificially diminish my creditworthiness. 

XXXX XXXX XXXX XXXX {$630.00} Opened XX/XX/XXXX XXXX XXXX : Duplicate of # XXXX. 
Law : FCRA 607 ( b ).

Story : Multiple appearances of the same debt across tradelines is misleading and must be corrected. 

XXXX XXXX XXXX Balance {$740.00} Opened XX/XX/XXXX Collection Issue : No proof of debt. 
Law : FCRA 611 ( a ). 
Story : Without evidence from original creditor showing contractual agreement and default, this must be deleted under federal accuracy requirements. 

XXXX XXXX XXXX Balance {$5500.00} Opened XX/XX/XXXX Collection Issue : Duplicate of # XXXX. 
Law : FCRA 607 ( b ). 
Story : Same balance and creditor, different open date. Artificially inflates debt load perception. 

XXXX XXXX XXXX XXXX {$490.00} Opened XX/XX/XXXX XXXX XXXX : Duplicate of # XXXX. 
Law : FCRA 607 ( b ).

Story : Reporting same debt under slightly different details is prohibited as it misstates my actual financial history. 

XXXX XXXX XXXX XXXX {$1600.00} Opened XX/XX/XXXX XXXX XXXX : Duplicate of # XXXX. 
Law : FCRA 607 ( b ).

Story : Listing identical debts under separate tradelines is inaccurate and unlawful. 

XXXX XXXX XXXX XXXX {$1100.00} Opened XX/XX/XXXX XXXX XXXX : Duplicate of # XXXX. 
Law : FCRA 607 ( b ). 
Story : Same amount and creditor must be consolidated or removed to reflect accuracy. 

XXXX XXXX XXXX XXXX {$540.00} Opened XX/XX/XXXX XXXX XXXX : No verifiable documentation. 
Law : FCRA 611 ( a ). 
Story : Debt collection reporting is only permissible with proof directly from original creditor showing the debt was validly assigned to XXXX XXXX and remains due. This has not been provided. 

RELIEF REQUESTED : 1. Immediate deletion of all inaccurate addresses.

2. Permanent removal or correction of all disputed accounts.

3. Written confirmation from all CRAs and furnishers of compliance.

4. Compensation for damages caused by negligent and willful reporting violations under FCRA 616 and 617.

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