Consumer complaint received 2025-08-13 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 submitting this complaint to formally dispute multiple inaccuracies on my credit report that have caused significant financial harm, stress, and reputational damage. These inaccuracies include wrong addresses, late payments, charge-offs, collection accounts, and unauthorized hard inquiries. Despite my efforts to correct these errors with the reporting agencies, they persist, which is not only unfair but also violates my rights under federal law. 
From the outset, I have observed persistent misreporting, including addresses that have never been associated with me, accounts inaccurately marked as late or charged-off, and collection entries I do not recognize. These errors have caused undue stress, financial limitations, and damage to my creditworthiness. Despite my efforts to resolve these errors directly with the reporting agencies, the inaccuracies remain. I am invoking my rights under FCRA to ensure that all erroneous information is corrected immediately. 
XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late Payment Law : FCRA 1681i Requires verification of disputed information and deletion if unverifiable. 
Story : I have consistently made timely payments on this account. The reported late payments are entirely inaccurate and have caused unnecessary damage to my credit profile. The financial institutions negligence in reporting accurate information has left me unfairly penalized, impacting my XXXX XXXX and borrowing capacity. 
XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX Issue : Late Payment Law : FCRA 1681s-2 ( a ) Obligation of furnishers to provide accurate information. 
Story : I have maintained regular payments and have documentation proving no late payments occurred. The reporting of delinquency is false and unjustified. This misreporting has led to repeated inquiries being viewed negatively by lenders and has compromised my financial opportunities. 
XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : XXXX XXXX : FCRA 1681s-2 ( b ) Requires furnisher to correct or delete inaccurate information after notice. 
XXXX : This account has been inaccurately charged-off despite all payments being up to date or resolved. This charge-off falsely reflects financial irresponsibility and severely reduces my ability to secure credit. Immediate investigation and correction are required. 
XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : XXXX XXXX : FCRA 1681i ( a ) CRAs must delete unverifiable information within XXXX  days. 
XXXX : The charge-off listed is inaccurate. I have paid all obligations or have a standing agreement with the creditor. The presence of this charge-off in my credit report is fraudulent, misleading lenders, and limiting my financial mobility. 
XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : XXXX XXXX : FCRA 1681s-2 ( b ) Correct inaccurate reporting after dispute. 
XXXX : This account shows a charge-off that never occurred. The reporting entity has failed to ensure the accuracy of the account status. This false information directly harms my creditworthiness and must be removed promptly. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Late Payment Law : FCRA 1681i ( a ) Disputed information must be investigated.

Story : I have never missed a payment on this account as documented in my statements. The reported late payment is a clear misrepresentation and has unnecessarily damaged my credit history. Immediate correction is requested. 
XXXX Account # XXXX XXXX Issue : Late Payment Law : FCRA 1681s-2 ( a ) Furnishers must ensure accurate information reporting. 
Story : All payments were made in a timely manner. Misreporting late payments affects my financial credibility, and I insist on verification and correction. 
XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Late Payment Law : FCRA 1681i ( a ) Credit bureaus must remove unverifiable disputed information. 
XXXX : The reported late payments are false. I have documentation to prove all payments were timely. This inaccurate reporting diminishes my creditworthiness and misleads potential lenders. 
XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Issue : Charge-off Law : FCRA 1681i Obligation to investigate disputes and remove unverified items. 
XXXX : The charge-off reported on this account is incorrect. It creates a false narrative of financial irresponsibility, limiting my ability to obtain future credit and negatively impacting my personal finances. 
XXXX XXXX  Account # XXXXXXXX XXXX ( Balance {$250.00}, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Issue : Collection Law : FCRA 1681i ( a ) CRAs must investigate disputes thoroughly. 
XXXX : This collection is misreported. The negative effect on my credit limits my ability to obtain loans or financial services. Immediate correction or removal is demanded. 
XXXX Accounts ( Multiple # XXXX : XXXX, XXXX, XXXX, XXXX, XXXX ) Issue : Collection Law : FCRA 1681s-2 ( b ) & 1681i ( a ) Accurate reporting and dispute investigation required. 
Story : These accounts are all misreported as delinquent. I have records proving no outstanding debts for these accounts. Their reporting is severely damaging to my financial credibility and must be corrected immediately. 
XXXX  Account # XXXX ( Balance {$840.00}, Opened XX/XX/XXXX ) Issue : Collection Law : FCRA 1681i ( a ) Credit bureaus must verify disputed items or remove them. 
Story : I dispute this debt as it is incorrectly attributed to me. The false reporting restricts my access to credit and financial services. Immediate investigation and removal are necessary. 
XXXX XXXX  Accounts ( Remaining # XXXX : XXXX, XXXX, XXXX, XXXX, XXXX ) Issue : Collection Law : FCRA 1681s-2 ( a ) & 1681i ( a ) Ensure maximum accuracy and remove unverifiable debts. 
Story : Each of these accounts is inaccurately reported. Their repeated presence on my credit report compounds the negative impact on my XXXX XXXX and misleads lenders. XXXX or deletion is demanded immediately. 
XXXX Account # XXXX ( Balance {$500.00}, Opened XX/XX/XXXX ) Issue : Collection Law : FCRA 1681i ( a ) CRAs must investigate disputed information. 
Story : I have no obligation related to this account. Its reporting is erroneous and adversely affects my credit score, limiting financial opportunities. Immediate removal is required. 
Inquiries : - XXXX XXXXXX/XX/XXXX Issue : Unauthorized Hard Inquiry Law : FCRA 1681b ( f ) Hard inquiries require permissible purpose ; unauthorized inquiries must be removed. 
Story : I did not authorize these inquiries. Their presence is unfair and negatively affects my creditworthiness. Immediate deletion is requested.

Conclusion : These repeated inaccuracies, misreported late payments, charge-offs, collections, incorrect addresses, and unauthorized inquiries constitute multiple violations of the FCRA ( 15 U.S.C. 1681 ). They have caused severe financial harm, undue stress, and hindered my ability to access credit. I demand that all inaccurate information be investigated, corrected, or removed immediately. Failure to resolve these disputes will compel me to escalate the matter, including filing complaints with the FTC, seeking legal remedies, and pursuing civil action for damages caused by negligent reporting.

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