Consumer complaint received 2025-09-02 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: TX

Complaint narrative:
I am filing this complaint under my rights protected by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Consumer Financial Protection Act.

My credit report contains multiple inaccurate addresses, charge-offs, collections, late payments, and unauthorized inquiries. These entries are either unverifiable, fraudulent, or duplicative. Because of them, I have been denied credit, housing, and financial opportunities. I have also suffered XXXX XXXX embarrassment, and financial hardship. 
I request that the CFPB investigate these items and enforce deletion of all inaccurate or unverifiable information. 
XXXX XXXX XXXX, TX XXXX Wrong Address This address is completely inaccurate and never associated with me. Keeping this false address in my file connects me with unknown people and fraudulent activities. I have never lived there, never used this address, and it has nothing to do with my personal identity. Under FCRA 1681e ( b ) agencies must ensure maximum possible accuracy, but by allowing this wrong address to remain, they have failed. This misinformation has caused me to be flagged in background checks, making landlords and lenders suspicious of my credit profile. I request deletion immediately. 
XXXXXXXX XXXX XXXXXXXX, TX XXXX Wrong Address This address is wrong and has no connection to me. Credit bureaus failed to reinvestigate properly even after disputes. Under FCRA 1681i ( a ), they must reinvestigate and delete unverifiable information, yet this continues to appear. Because of this, I have been treated as if I am associated with other individuals, creating risk of identity theft. I was denied a car loan when the lender questioned why so many wrong addresses were attached to my report. This is an unnecessary humiliation and violation of my consumer rights. 
XXXX XXXX High Balance : {$690.00} Date Opened : XX/XX/XXXX Charge Off This account is being reported as a charge off, but no documentation proving accuracy has ever been provided. I have repeatedly requested validation but received none. Reporting unverifiable debt violates FCRA 1681s-2 ( a ) and FDCPA 1692e. Because of this false report, my credit score has dropped severely, and I was denied approval for a rental apartment, causing instability for my family. The XXXX XXXX  of being treated as irresponsible for something not properly validated has harmed me personally. 
XXXX XXXX XXXX High Balance : {$970.00} Date Opened : XX/XX/XXXX Charge Off This item is reported as a charge off without proof. No signed contract, statements, or evidence of my responsibility has been given. Under FCRA 1681i ( a ), this must be reinvestigated. Instead, bureaus ignored my dispute and left the item. This has directly caused higher interest rates on my current credit accounts. Lenders see me as a risk because of this unverifiable account. This has put me in deeper financial hardship, which is unfair and unlawful. 
XXXX XXXX XXXX High Balance : {$880.00} Date Opened : XX/XX/XXXX Charge Off This XXXX  XXXX account is harming me unfairly. It is reported as a charge off with inconsistent balances and payment histories. Under FCRA 1681e ( b ), they must maintain accuracy, but they have not. I was denied a credit card upgrade recently because of this false entry. The humiliation of being told I am too risky when I know this account is not properly validated has caused XXXX, sleepless nights, and emotional suffering. 
XXXX XXXX High Balance : {$400.00} Date Opened : XX/XX/XXXX Charge Off This XXXX XXXX account shows as a charge off but is not supported by any evidence. It appears to have been added without validation, which is a violation of FDCPA 1692g requiring proper debt validation. Because of this, I was denied a personal loan I needed for medical expenses. The denial created additional hardship as I had to borrow money from family and feel embarrassed about my financial standing. This account must be deleted immediately. 
XXXX XXXX  XXXX High Balance : {$21000.00} Date Opened : XX/XX/XXXX Charge Off This Ally Financial account is a large balance being reported as a charge off. The reporting is damaging me severely and unfairly. No contract, payment record, or legal proof has ever been provided. Under FCRA 1681s-2 ( b ), the furnisher must investigate when disputed. They failed to do so. Because of this entry, I was denied a mortgage refinance, which cost me thousands in additional interest payments. The XXXX  and loss I have endured because of this false reporting is enormous. 
XXXX XXXX XXXX XXXX High Balance : {$34000.00} Date Opened : XX/XX/XXXX Charge Off This XXXX XXXX XXXX account is reported as a charge off with a high balance that is not accurate. I never received proper validation. It has been reported in a way that makes me look irresponsible when the information itself can not be verified. Under FCRA 1681i and FDCPA 1692e, this is unlawful. This single account alone has prevented me from being approved for a vehicle loan, forcing me to rely on unreliable transportation. It has negatively affected my employment opportunities as well, since reliable transportation is essential. 
XXXX XXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXX Late payment This account is reporting late payments from XXXX, which is obsolete information. Under FCRA 1681c ( a ) ( 4 ), negative information can not be reported beyond 7 years. Yet this still appears. Because of this, I was embarrassed when a bank officer told me I had late student loan payments from over 20 years ago. This is false, unlawful, and emotionally damaging. It creates the impression that I am financially irresponsible for life, when in fact the law clearly protects me from such reporting. 
XXXX XXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXX Late payment This is another obsolete account showing late payments beyond the legal reporting limit. Under FCRA 1681c, this is strictly prohibited. Despite disputes, this entry remains, damaging my score. Because of this, I was denied a small business loan I needed to expand my income. The denial has prevented me from improving my financial life, and I am left with XXXX, XXXX, and fewer opportunities because of illegal reporting. 
XXXXXXXX XXXX XXXX XXXX High Balance : {$810.00} Date Opened : XX/XX/XXXX Collection * * This is a duplicate of the above XXXX account. Two different entries for the same debt unfairly punish me twice. Because of this duplication, lenders considered me high risk and denied me a needed auto loan. This forced me to rely on unreliable transportation, which nearly cost me my job. The XXXX, embarrassment, and real-life damage from this duplicate entry is unacceptable. It must be deleted immediately. 
XXXX XXXXXXXX XXXX High Balance : {$430.00} Date Opened : XX/XX/XXXX Collection * * This account is another inaccurate collection. No evidence of liability has been provided. Because of this entry, I was denied a store credit line to purchase essential household goods. I had to borrow money from friends, leaving me humiliated and dependent on others. FCRA 1681s-2 ( b ) requires furnishers to correct inaccurate information, which has not been done. This item must be deleted. 
XXXX XXXX XXXX High Balance : {$730.00} Date Opened : XX/XX/XXXX Collection * * Portfolio Recovery is reporting this debt inaccurately and without validation. Because of this item, I was denied medical financing during an emergency, which left me scrambling to find money for treatment. The XXXX  and fear I endured during that period can not be described. FDCPA 1692e prohibits false or misleading representation of debts. This account must be removed. 
Hard Inquiries Unauthorized & Damaging Under FCRA 1681b, a credit report can only be accessed for permissible purposes. These inquiries were not authorized by me, and many are duplicative or fraudulent. They have lowered my credit score, created suspicion with lenders, and damaged my ability to secure credit. 
XXXX XX/XX/XXXX Unauthorized inquiry. I never gave consent. This inquiry reduced my score, causing me to be rejected for a credit card that could have helped rebuild my credit. 
XXXX XX/XX/XXXX No authorization given. Because of this inquiry, lenders asked me why XXXX XXXX  pulled my report when I had no dealings with them. This embarrassed me and harmed my credibility. 
XXXX XX/XX/XXXX Unverified inquiry. I did not apply for credit with XXXX XXXX. The drop in my score prevented me from refinancing my car loan, costing me hundreds of dollars in extra interest. 
XXXX XXXX XXXX XX/XX/XXXX Unauthorized auto financing inquiry. I never applied here. Because of this, lenders viewed me as shopping too much for credit and denied my application. This harmed my reputation. 
DEPT OF ED XX/XX/XXXX I did not authorize this inquiry with the Department of Education. This was unexpected and unnecessary. Because of this, my application for another line of credit was denied. 
Harm & Impact Because of the above inaccurate reporting, I have : Been denied housing opportunities. 
Been denied auto loans and forced to use unreliable transportation. 
Paid higher interest rates on emergency loans. 
Lost credibility with landlords, lenders, and employers. 
Suffered XXXX  XXXX, humiliation, and sleepless nights worrying about my financial stability. 
Requested Action I request that the CFPB investigate and enforce the immediate deletion of : Wrong addresses All charge-offs All unverifiable late payments Duplicate and unverifiable collection accounts Unauthorized and duplicate inquiries These items are inaccurate, unverifiable, and unlawful. I request full deletion to restore my creditworthiness.

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