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 filing this formal complaint against multiple furnishers and credit reporting agencies for their continued reporting of inaccurate, unverified, and misleading information on my consumer credit reports. Despite my previous disputes, these items remain, causing ongoing financial harm. The following accounts and inquiries are at issue : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address Issue : I have never resided at or been associated with this address. Reporting it is a direct violation of FCRA 1681e ( b ) which requires consumer reporting agencies to ensure maximum possible accuracy. 
Law : Under FCRA 1681i, when a consumer disputes inaccurate information, the CRA must promptly investigate and delete unverifiable or false data. 
Story : This address is entirely unrelated to my life history. I have never signed a lease, owned property, received mail, or conducted any financial transactions linked to this location. The presence of this wrong address suggests file contamination or mixed file error, which is a serious breach of your duty to maintain accurate consumer data. This not only misrepresents my identity but also increases my vulnerability to identity theft, fraud investigations, and wrongful debt collection. The fact that this information is being shared with lenders and other institutions without my consent has already led to embarrassing and humiliating rejections when applying for housing and credit. 
XXXX XXXX XXXXXXXX XXXX XXXX Wrong Address Issue : This is not my current or past residence. 
Law : FCRA 1681e ( b ) mandates accuracy ; incorrect address is a violation. 
Story : I have absolutely no connection to this property or the area. No mail, bills, or contracts have ever been linked to my name at this address. Including this address in my credit file paints a false picture to potential lenders, as if I have lived in multiple locations that I have never even visited. This misrepresentation creates a perception of instability in my living situation, which directly affects my creditworthiness and may lead lenders to assume I am a higher risk borrower. 
XXXX XXXX High Balance : {$240.00} Date Opened : XX/XX/XXXX Late Payment Issue : This account contains inaccurate late payment history. 
Law : FCRA 1681s-2 ( a ) prohibits furnishers from reporting inaccurate information ; 1681i requires investigation. 
Story : I have maintained an on-time payment record with XXXX, yet this account is showing late payments that never occurred. My bank statements and payment confirmations prove timely payment, but XXXX and the credit bureaus have continued to report otherwise, damaging my credit score. This has resulted in me being offered higher interest rates on recent loan applications and being turned away for certain lines of credit. 
XXXXXXXX XXXX  XXXX XXXX High Balance : {$3600.00} Date Opened : XX/XX/XXXX Charge Off Issue : Inaccurate charge-off and balance reporting. 
Law : FCRA 1681c ( a ) ( 5 ) prohibits reporting outdated derogatory items ; FDCPA 807 forbids false representation of debt.

Story : This account is inaccurately listed as a charge-off despite me making multiple good-faith payments and never receiving proper written validation of the alleged remaining balance. This wrongful reporting has made it impossible for me to refinance my mortgage, costing me thousands in interest over time. 
XXXX XXXX High Balance : {$5000.00} Date Opened : XX/XX/XXXX Charge Off Issue : False charge-off. 
Law : Same as above. 
Story : XXXX  reporting is riddled with inconsistencies, including incorrect payment dates and amounts. Without producing the original signed agreement or proof of default, they are in violation of federal law by continuing to damage my credit file. 
XXXX XXXX XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXX Late Payment Issue : Late payment incorrectly reported. 
Law : FCRA XXXX mandates prompt deletion if unverifiable. 
Story : This late payment marker appears to be the result of a clerical error during a system update. The reporting has lowered my score by over XXXX points, impacting my ability to obtain a business loan for an expansion project, which has caused significant financial setbacks. 
XXXXXXXX XXXX  XXXX High Balance : {$21000.00} Date Opened : XX/XX/XXXX Charge Off Issue : False and harmful reporting. 
Law : FCRA + FDCPA violations for unverified charge-off. 
Story : XXXX XXXX has never provided me with any written notice or opportunity to cure the alleged default before reporting the charge-off, violating my due process rights. This has prevented me from securing affordable auto financing. 
XXXXXXXX XXXX XXXXXXXX High Balance : {$17000.00} Date Opened : XX/XX/XXXX Charge Off Issue : Inaccurate reporting. 
Law : FCRA 1681s-2 ( b ) obligates furnishers to correct inaccurate data after dispute. 
Story : Despite repeated disputes, XXXX XXXX continues to list this account as charged-off without providing any legitimate proof, demonstrating willful noncompliance. 
XXXX XXXX XXXX XXXX High Balance : {$450.00} Date Opened : XX/XX/XXXX Collection Issue : Unauthorized collection. 
Law : FDCPA 809 requires debt validation before collection reporting ; none was provided. 
Story : XXXX XXXX has a known history of purchasing old, unverified debts and reporting them as new collections. I have never received any validation letter or proof that this debt belongs to me, yet it is severely damaging my credit. 
XXXX XXXX XXXX  High Balance : {$600.00} Date Opened : XX/XX/XXXX Collection Issue : This account is being reported as a collection, yet I have never received any notice of debt validation as required under FDCPA 809 ( a ) before reporting to credit bureaus. No signed agreement, itemized accounting, or proof of ownership of the debt has been provided. 
Law : FCRA 607 ( b ) requires maximum possible accuracy ; FDCPA 807 prohibits false representation of a debt ; FDCPA 809 ( b ) requires validation upon request before further collection activity.

Story : This account has caused substantial harm to my credit profile and financial opportunities. It is being reported by a XXXX-party debt collector with no verifiable connection to the original creditor, suggesting possible re-aging and unauthorized reporting. 
XXXX  XXXX XXXX XXXX High Balance : {$600.00} Date Opened : XX/XX/XXXX Collection Issue : Duplicate reporting of the same debt under different names constitutes double jeopardy in credit reporting. 
Law : FCRA 607 ( b ) accurate reporting requirement ; FDCPA 807 ( 2 ) prohibits misrepresentation of the character of debt. 
Story : This duplicate listing is inflating my debt profile and worsening my credit score unfairly. 
XXXX XXXX XXXX High Balance : {$550.00} Date Opened : XX/XX/XXXX Collection Issue : No validation, possible re-aging, duplicate debt with different names. 
Law : FDCPA 809 ( b ), FCRA 605 ( a ) & 623 ( a ) ( 5 ).

Story : This is a repeated pattern of inaccurate reporting by XXXX XXXX affiliates, harming my creditworthiness. 
XXXX XXXX XXXX High Balance : {$600.00} Date Opened : XX/XX/XXXX Collection Issue : No written validation received ; unclear chain of title. 
Law : FDCPA 809 ( b ), FCRA 607 ( b ).

Story : The presence of multiple XXXX accounts suggests systemic reporting abuse. 
XXXX XXXX XXXX High Balance : {$510.00} Date Opened : XX/XX/XXXX Collection Issue : Duplicate listing of XXXX debt already reported. 
Law : FCRA 607 ( b ), FDCPA 807 ( 2 ).

Story : This is inflating negative items on my report and misleading potential creditors. 
XXXX XXXX XXXX High Balance : {$450.00} Date Opened : XX/XX/XXXX Collection Issue : Unverified, possible re-aged debt, no proof of ownership. 
Law : FDCPA 807, FCRA 611 ( a ).

Story : This debt is being reported without legal standing. 
INQUIRIES XXXX XXXX  XX/XX/XXXX Issue : Hard inquiry without my authorization or permissible purpose under FCRA 604 ( a ).

Law : FCRA 604 ( a ) ( 2 ) requires permissible purpose ; 616 allows damages for willful noncompliance.

Story : This unauthorized inquiry harmed my credit score and was conducted without my consent. 
Relief Requested : I request that the CFPB investigate these furnishers and credit reporting agencies for willful violations of FCRA and FDCPA, order the immediate deletion of all unverifiable and duplicate accounts, and ensure removal of all unauthorized hard inquiries. 
These violations have caused significant harm to my creditworthiness, emotional distress, and financial opportunities. I request written confirmation of the actions taken within the statutory period.

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