Consumer complaint received 2025-08-28 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:
Dear CFPB, I am filing this complaint because my credit reports, as maintained by Experian, Equifax, and TransUnion, contain multiple inaccurate, misleading, and unverifiable accounts. Despite my efforts to dispute these items directly with the credit reporting agencies and creditors, they continue to report incorrect information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
Below are the accounts in dispute : XXXX XXXX XXXX, IN XXXX Wrong Address This address does not belong to me. I have never lived there, never used it, and have no connection to it. Still, it appears on my credit report. Because of this wrong address, I have been flagged by lenders who believe I have lived in multiple states and cities I have never even been to. This false reporting makes me look like I am unstable, moving from place to place, or possibly hiding. In reality, I have always been responsible about where I live. But creditors see this address and question my trustworthiness. I feel humiliated when I have to explain that I never lived there. Under FCRA 1681e ( b ), the credit bureaus must maintain maximum accuracy they have failed me. 
XXXX XXXX XXXX, IN XXXX Wrong Address I have never lived at this address. Yet it ties me to a place I do not know. This has affected my credit applications because creditors believe I have unstable residency history. I once tried applying for housing, and the landlord questioned me about why so many addresses appear on my credit file. That was embarrassing and unfair. My personal character was judged because of these errors. Under FCRA 602 ( A ) ( 1 ), reports must be fair and accurate this address is neither. 
XXXX XXXX Charge Off High Balance {$1200.00} Date Opened : XX/XX/XXXX This account is reported as a charge off, but I have never been given proof that I owe this debt. I never received validation notices, billing statements, or signed agreements. Yet the furnisher reports it as a charge off, making me look irresponsible. This false charge off has dropped my credit score and caused me to be denied credit when I needed it most. I can not even refinance my vehicle loan at a fair interest rate because of this. Under FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 809 ( b ), the furnisher must only report verified debts they did not. 
XXXX XXXX XXXX  XXXX Charge Off High Balance {$2500.00} Date Opened : XX/XX/XXXX This account is another false and damaging report. The furnisher has never provided me proof that this debt is mine. They continue to report me as delinquent and charged off, which makes me look financially reckless to lenders. Because of this account, I was denied approval for a small personal loan that I needed for emergency expenses. It was heartbreaking and humiliating. Under FCRA 623 ( b ), furnishers must conduct a reasonable investigation and correct errors. They failed to do so. 
XXXX XXXX XXXX Charge Off High Balance {$40000.00} Date Opened : XX/XX/XXXX This is one of the most devastating accounts on my credit report. A charge off of over {$40000.00} that I do not recognize or have proof of. The emotional stress this causes me is indescribable. Seeing such a large false debt makes me feel hopeless and trapped. Because of this one item, I have been denied mortgages, car loans, and even basic credit cards. I feel like I am being punished for something I never did. Under FCRA 609 ( a ) ( 1 ), I have the right to know the source of this information, but no documentation was ever provided. 
XXXX XXXX XXXX XXXXXXXX Late Payment High Balance {$14000.00} Date Opened : XX/XX/XXXX This account is reporting late payments that are not mine. These false late payments create the image that I am unreliable. This hurts me in every area of my life. I have been denied financial aid opportunities and credit because of these false late payment marks. The stress of constantly having to explain myself is overwhelming. Under FCRA 611 ( a ), the bureaus must reinvestigate and delete unverifiable information. Instead, they continue to damage my credit profile. 
XXXX XXXX XXXX Charge Off High Balance {$0.00} Date Opened : XX/XX/XXXX This account is reported as a charge off even though the balance shows {$0.00}. This makes no logical or legal sense. If there is no balance, then there is no valid debt to charge off. This misleading reporting lowers my score and makes me appear irresponsible. I once applied for utilities at a new residence and was forced to pay a higher deposit because of this false charge off. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not report false information. 
XXXX XXXX Late Payment High Balance {$6800.00} Date Opened : XX/XX/XXXX This furnisher is reporting late payments that I dispute. No proper billing records or signed agreements have ever been provided to me. These alleged late payments create the image that I do not pay my obligations, which is untrue. Because of this, I was denied an auto refinance and forced to pay a much higher interest rate. Under FCRA 611 ( a ), unverifiable late payment data must be deleted. 
XXXX XXXX XXXX XXXX Late Payment High Balance {$12000.00} Date Opened : XX/XX/XXXX This account shows late payments that are not accurate. I never received proper notice or proof of these alleged delinquencies. Reporting them without verification violates FCRA 607 ( b ) which requires maximum accuracy. Because of this false reporting, I have been denied housing opportunities and treated as unreliable. The emotional toll of explaining these false entries has been severe. 
XXXX XXXX Late Payment High Balance {$20.00} Date Opened : XX/XX/XXXX This account shows late payments on a balance of only {$20.00}, which is absurd. Reporting a late payment over such a trivial balance is punitive and unfair. It creates the false appearance of financial recklessness when in reality this entry is either mistaken or unverified. Because of this small but harmful error, I have been denied credit card approvals. Under FCRA 623 ( a ), furnishers must ensure accuracy they did not. 
XXXX XXXX XXXXXXXX XXXX Collection High Balance {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX is reporting this as a collection, but I dispute it. They never provided proper validation. Continuing to report in the absence of verification violates FDCPA 809 ( b ) and FCRA 623 ( a ) ( 1 ). This entry makes me look like a person who ignores debts, which is not true. Because of this false collection, I was denied approval for rental housing and forced to pay a larger deposit elsewhere. 
XXXX XXXX  XXXX Collection High Balance {$610.00} Date Opened : XX/XX/XXXX This appears to be a duplicate of the earlier XXXX account ( same balance, similar dates ). Reporting duplicate collections is a violation of FCRA XXXX ( b ) because it is misleading and unfair. This duplication doubles the damage to my credit profile, unfairly lowering my score and making me look worse than I am. 
XXXX XXXX Collection High Balance {$2500.00} Date Opened : XX/XX/XXXX This also appears to be a duplicate of the earlier Spring Oaks account. Again, duplicate reporting is unlawful because it misrepresents the true state of my credit. It makes me appear to have more collections than I really do. Because of this, I was denied financing when trying to purchase household appliances. This has caused embarrassment and financial strain. 
XXXX XXXX  XXXX Collection High Balance {$920.00} Date Opened : XX/XX/XXXX XXXX  is reporting this account as a collection, but no proper validation has ever been provided. I never received original creditor documentation, billing statements, or a signed contract. Under FCRA 609 ( a ) ( 1 ), I am entitled to the sources of information yet XXXX  has not provided them. This collection lowers my score and has already caused me to be denied credit for necessary household purchases. 
INQUIRIES Unauthorized or Excessive Hard Pulls The following inquiries appear on my report. Many were unauthorized, and others are excessive duplicates that violate FCRA 604 ( a ) ( 3 ) ( permissible purpose ). Hard inquiries harm my score and make me look like a risky borrower, even when I did not authorize them. 
XXXX XX/XX/XXXX I never authorized this inquiry. 
XXXX XX/XX/XXXX No permissible purpose. 
XXXX XX/XX/XXXX XXXX twice for the same application is misleading. 
XXXX XXXX  XX/XX/XXXX Not authorized by me. 
XXXX XXXX XX/XX/XXXX Duplicate with XXXX XXXX XXXX  and XXXX. 
XXXX XXXX  XX/XX/XXXX Unauthorized. 
XXXX XXXX XX/XX/XXXX Unauthorized. 
XXXX XXXX XX/XX/XXXX Unauthorized. 
XXXX XXXX XX/XX/XXXX Unauthorized. 
XXXX XX/XX/XXXX Unauthorized. 
XXXX XXXX XXXXXX/XX/XXXX Unauthorized. 
XXXX XX/XX/XXXX Unauthorized. 
XXXX XXXX XX/XX/XXXX Unauthorized. 
STORY AND IMPACT OF INQUIRIES These inquiries make it appear as if I am desperately seeking credit, which is not true. Many of them were not authorized by me. The duplicates ( e.g., XXXX  XXXX entries and XXXX entries ) unfairly multiply the damage to my score. As a result, I was denied fair financing on a car loan and forced into a higher monthly payment. This financial burden has caused me stress, embarrassment, and hardship. 
Story & Harm Suffered : Because of these inaccurate reports, I have faced denied credit applications, higher interest rates, and personal embarrassment when applying for essential financial services. These false late payments are not a reflection of my true payment history but rather the result of negligent and unlawful reporting practices. 
Laws Violated : FCRA 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

FCRA 1681i : Inaccurate items must be reinvestigated and corrected or deleted within 30 days of a dispute.

FCRA 1681s-2 : Furnishers are prohibited from reporting false or unverifiable information once notified. 
Requested Relief : I respectfully request that CFPB investigate these violations, require the removal of the above inaccurate accounts and late payments, and ensure that the credit reporting agencies and XXXX XXXX comply fully with the Fair Credit Reporting Act. 
My consumer rights are being violated, and the continued reporting of these errors is causing irreparable harm to my financial standing. 
Thank you for your attention to this matter.

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