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: MI

Complaint narrative:
I am submitting this complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ) where applicable, and my consumer rights. This is my second dispute attempt for the same items. My initial dispute with the credit bureaus remains unresolved, and I have not yet submitted to the FTC, but due to continued inaccurate reporting and lack of proper investigation, I am escalating to the CFPB for immediate intervention. The following inaccurate, unverifiable, and duplicate items are causing severe damage to my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX Issue : This is not my address. 
Law : FCRA Section 611 requires credit bureaus to promptly remove inaccurate information when disputed.

Story : The presence of a wrong address in my credit report has connected me to accounts and transactions that are completely unrelated to me. This has caused complications in my financial life, such as unnecessary lender suspicion, additional verification steps, and concerns about identity mismatches, negatively affecting my credibility and banking relationships. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : This address is incorrect and not associated with me.

Law : FCRA Section 605 ( b ) prohibits reporting unverifiable or inaccurate personal data.

Story : Because of this error, my credit profile is linked with that of another consumer, which means their negative credit activities are being reflected on my account. As a result, Ive faced denials for credit and higher scrutiny from financial institutions. It has also led to stress when referencing my report for important services. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Inaccurate late payment history.

Law : FCRA Section 605B requires removal of unverifiable records.

Story : Previous disputes produced no supporting documents, yet negative history affects my ability to qualify for fair credit and stresses my ability to plan financially for the future. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} Issue : Unverified charge-off reported.

Law : FCRA Section 611 mandates prompt reinvestigation and removal.

Story : No original contract, proof, or debt assignment connects me with this account, but its inclusion drives down my credit score, creates a misleading credit risk profile, and subjects me to unnecessary financial hardship. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$310.00} Issue : Account reflects fraud or identity mix ; its not mine.

Law : FCRA Section 623 ( a ) ( 1 ) requires only correct, truthful reporting.

Story : Despite prior disputes, this error persists. This unjust entry lowers my score, raises borrowing costs, damages my relationships with other creditors, and frustrates my financial growth. 

XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$300.00} Issue : Duplicate negative account entry.

Law : FCRA Sections 604 ( a ) and 607 ( b ) bar double-reporting for one debt.

Story : Reporting the same debt twice doubles the negative impact on my credit score, leads to unfair denials by lenders, and signals poor reporting standards that prevent me from securing needed credit. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$60.00} Issue : Late payment reported without proof.


Law : FCRA Section 611 ( a ) ( 5 ) requires removal if unverified. Story : False reporting on even minor accounts makes me look financially irresponsible, which may result in denied credit, higher interest rates, and an impaired reputation for timely payments. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$580.00} Issue : Possible fraud or wrong customer linkage.

Law : FCRA Section 1681e ( b ) for maximum accuracy.

Story : No XXXX account in my name exists, so this charge-off labels me as an unreliable customer, potentially preventing me from getting mobile services or favorable telecom terms. 

XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Credit : {$200.00} Issue : Duplicate and unverifiable negative entry.

Law : FCRA Section 611 and 604 ( a ) Story : This appears twicehere and as XXXX XXXX. The duplication unfairly penalizes me, lowers my score more than appropriate, and complicates my credit profile. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$440.00} Issue : Balance and charge-off dates do not match official creditor records.

Law : FCRA Section 607 ( b ) Story : Lenders see conflicting information and may reject my applications based on perceived instability or reliability. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$250.00} Issue : Duplicate of above.

Story : The doubled entry makes me look riskier than I am and blocks opportunities for store credit, installment plans, and discounts. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$350.00} Issue : Duplicate account, numbers differ.

Law : FCRA Section 611 and 604 Story : This confusion misstates my debt obligations, impacting future revolving credit applications and risk evaluations. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$520.00} Issue : Duplicate reporting, differing details.

Story : Each time this occurs, my score and approval odds decline, compounding financial setbacks. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$210.00} Issue : Collection report re-aged in violation.

Law : FCRA Section 605 ( c ) bars revitalizing old debts.

Story : Making old debts look recent unlawfully depresses my score, subjects me to repeated denials, and misrepresents my financial history. 

XXXX XX/XX/XXXX Issue : Unauthorized hard inquiry. 
Law : FCRA Section 604 ( a ) ( 3 ) requires consumer consent.

Story : I never applied for this credit but the inquiry harmed my score and triggered unnecessary fraud warnings, affecting my ability to plan long-term finances. 

XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA Section 604 Story : Damages my files accuracy and increases security burdens. 

XXXX XX/XX/XXXX Issue : Inquiry performed unlawfully.

Law : FCRA Section 604 Story : Credit score drops unfairly, impacting future applications. 

XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA Section 604 Story : Loss of fair access to credit products. 

XXXX XXXX  Issue : Inquiry without my approval.

Law : FCRA Section 604 Story : Multiple errors compound, making it harder for me to recover my score. 

XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA Section 604 Story : My personal information is now less secure than before. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Inquiry without my consent. 
Law : FCRA Section 604 Story : This unauthorized credit pull has directly impacted my ability to qualify for services and increased the risk of identity theft.

RELIEF REQUESTED : I am requesting that the CFPB require the credit bureaus and furnishers to : 1. Permanently delete all wrong addresses listed above.

2. Remove all inaccurate, unverifiable, and duplicate account entries.

3. Remove all unauthorized hard inquiries.

4. Provide written confirmation of deletions and corrections within the statutory 30-day period.

The continued reporting of these items after prior disputes demonstrates willful noncompliance with the FCRA and negligent investigation practices. I am requesting CFPB enforcement action to ensure compliance and restore accuracy to my credit file.

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