Consumer complaint received 2025-08-02 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint as I am the victim of multiple inaccurate, unverifiable, and potentially fraudulent items being reported on my credit file. Despite submitting disputes with the credit bureaus and directly contacting the furnishers, many of these items remain unresolved, uncorrected, or reinserted without proper investigation or notification, which is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 1681s-2. 
This is my second formal complaint, and my previous CFPB complaint is still open. I have not yet submitted an FTC Identity Theft Report, but I am considering taking that step as well due to the ongoing harm. 
Below is a detailed breakdown of the erroneous information being reported, the specific issues related to each, and the legal grounds for my complaint. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wrong Address Issue : I currently reside here, but this address is being linked to accounts and records that are not mine. This is causing file contamination and risk of identity merging. 
Law : Under FCRA 1681e ( b ), the credit bureaus are required to maintain accuracy and prevent false data attachment.

Story : Because of this address, third-party collectors have been reaching out to me for debts I never incurred. I believe this address is being misused and attached to fraudulent activity or other individuals ' accounts. This is a clear example of file mixing and must be corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address Issue : I have never resided at this address or used it in any credit transaction. 
Law : Reporting this address without verifying my relationship to it violates FCRA 609 ( a ) ( 1 ) and 1681e ( b ).

Story : I suspect this address may have entered my file due to someone elses identity overlapping with mine. This has led to denial of rental applications and job-related background check delays. I need this address permanently removed to restore credit clarity. 
XXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX Issue : This account was wrongly charged off after a billing dispute was left unresolved. 
Law : Under FCRA 609 ( a ) and FDCPA 809 ( b ), I have a right to demand validation and billing records before reporting derogatory status. 
Story : I repeatedly contacted XXXX XXXX regarding errors in my payoff amount. Instead of addressing my concerns, they reported a charge off without any investigation. I never received notice of acceleration or final default. This is deeply damaging and unlawful. 
XXXX XXXX XXXX XXXX XXXX Late Payment * * Issue : Account shows late payment although I paid on time and no late notice was issued. 
Law : Under FCRA 1681s-2 ( a ), furnishers are prohibited from reporting false or incomplete information.

Story : I took this loan to cover medical expenses and was diligent about payments. Due to a glitch in auto-payment processing, a delay occurred on their side. Instead of correcting the error, they wrongly reported me late. This has impacted my job application tied to credit screening. 
XXXX XXXX * * Late Payment * * Issue : Payment was on time, but marked late after auto-draft failed due to bank error.

Law : Furnishers must accurately report data under FCRA 623 ( a ) and update or delete inaccurate entries upon notification.

Story : I was on a repayment plan. One payment was delayed due to a bank freeze I had no control over. I provided proof, but the company refused to update the record. Now it looks like I am unreliable, which I am not. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX entry above. 
Law : Duplicate accounts are misleading and violate FCRA 623 ( a ) ( 5 ). 
XXXX : This second listing is a strategy to double-impact my report. It gives lenders the illusion I owe more than I do. This is deceptive, misleading, and manipulative. 
XXXX XXXX XXXX * * Collection * * Issue : No debt validation letter ever received. 
Law : Under FDCPA 809 ( a ), validation must be sent before collecting or reporting. 
Story : I never received a single letter or phone call from this company. This came directly onto my credit file without my knowledge, violating my due process rights as a consumer. 
XXXX XXXX * * Collection * * Issue : Debt not mine, not recognized, no notice served.

Law : Reporting unverified debts without notifying the consumer violates FCRA 611 ( a ). 
XXXX : This account has nothing to do with me. It looks like identity theft or mixed file. I was denied an apartment because of this collection account. I never had a contract with this company. 
XXXX XXXX XXXX * * Collection * * Issue : Duplicate of XXXX. 
Law : Double reporting is a violation under FCRA 607 ( b ) and misrepresents financial obligations. 
XXXX : This debt was already disputed and no legal proof was shown. It is being reported under XXXX names to suppress my credit score. I demand deletion of all duplicates immediately. 
XXXX XXXX XXXX * * XXXX * * Issue : This debt was paid in full but still shows as open collection. 
Law : FCRA 1681s-2 ( b ) requires furnishers to correct or delete inaccurate items. 
Story : I settled this debt years ago. I have proof of payment. Keeping it listed as unpaid is dishonest and misleading to any future lender or employer reviewing my file. 
XXXX XXXX XXXX * * Charge Off * * Issue : I paid this utility bill before cutoff, but it still reports as charge off. 
Law : Inaccurate status violates FCRA 609 ( a ) ( XXXX ), which gives me the right to demand itemized account records. 
XXXX : This false charge-off caused me to lose a rental home application. When I contacted the company, they admitted I had a balance of {$0.00} but never updated the bureaus. This negligence is harming me daily. 
Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : These hard inquiries were not authorized by me. I did not submit any credit application on this day. 
Law : FCRA 604 ( a ) ( 3 ) requires written or electronic consumer consent for any permissible purpose inquiry. 
Story : Seeing more than XXXX inquiries on the same day shocked me. I believe a third-party auto dealer or broker applied on my behalf without permission. This mass inquiry pattern is damaging and unjustified. 
Unauthorized XXXX XX/XX/year> XXXX XXXX : No credit application or inquiry initiated by me. 
Law : FCRA 604 ( a ) ( 3 ) ( A ) requires prior consent. 
Story : I have no accounts with XXXX XXXX XXXX. I never applied with them. This inquiry is unapproved, unauthorized, and should be deleted. 
SUMMARY OF RELIEF REQUESTED : XXXX. Immediate and full investigation into the XXXX XXXX XXXX account XXXX verify the late payment dates, proper handling of deferment/forbearance, and any reaging violations. 
XXXX. Removal of all incorrect addresses that are not tied to any verified application, billing statement, or legal document. 
XXXX. Full inquiry into the unauthorized hard pull by XXXX XXXXXXXX and appropriate penalties if found to be illegal. 
XXXX. Sanctions and fines against furnishers and CRAs found to be in repeated non-compliance with FCRA provisions. 
XXXX. Full deletion of any unverifiable or inaccurate information in accordance with FCRA guidelines.

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