Consumer complaint received 2025-10-28 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: SC

Complaint narrative:
I am writing this formal complaint to report multiple inaccurate, incomplete, and misleading entries appearing on my consumer credit reports. These errors have caused significant damage to my financial reputation, emotional distress, and unnecessary denials in credit applications. Despite my repeated attempts to correct these issues directly with the credit bureaus and furnishers, these inaccuracies continue to be reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. WRONG ADDRESS REPORTING XXXX XXXX, XXXX, SC XXXX The address listed on my credit profile is inaccurate and does not belong to me. This incorrect address has led to confusion and mismatched account verification processes. Under FCRA Section 607 ( b ), credit reporting agencies are required to maintain maximum possible accuracy of consumer information. Continuing to report this address after my dispute is a direct violation of this law. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$260000.00} Late Payment Reported This account is being reported with alleged late payments that are inaccurate and unverified. I have never received any verified proof or billing statements confirming such delinquencies. According to FCRA Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 3 ), furnishers are required to verify disputed information or promptly delete it if verification can not be completed.

This unverified derogatory reporting is not only misleading but also in violation of the Consumer Financial Protection Act ( 12 U.S.C. 5531 ), which prohibits unfair and deceptive practices.

Story : This false late payment has significantly lowered my credit score and impacted my ability to obtain mortgage and auto loan approvals. I made timely payments, and the servicer has failed to substantiate any default. I am requesting an immediate investigation and removal of the inaccurate late payment history. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$860.00} Reported as Charge Off This account has been erroneously charged off, despite no verifiable evidence of default or collection transfer. Under FCRA Section 602 ( A ) and FDCPA Section 807 ( 8 ), it is unlawful to report false or misleading credit information. The continuous reporting of this account as charged off without validation violates my consumer rights under FACTA ( Fair and Accurate Credit Transactions Act ).

Story : The alleged charge-off status has severely damaged my credit profile. I never received any written notice of charge-off, nor did I default on this account. I request immediate deletion or full documentation proving the validity of this reporting. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1500.00} Collection Account This alleged collection account was never validated or authorized by me. I have no record of any account that should have been placed in collection. Under FDCPA Section 809 ( a ), debt collectors must provide full validation of the debt upon request. No such documentation has been provided, yet it continues to appear on my credit file, which is a direct violation of FCRA Section 623 ( a ) ( 1 ) ( A ). 

XXXX : This collection listing has created emotional and financial stress by unfairly suggesting delinquency. Without validation, the continued reporting of this account is unlawful and misleading. I demand its immediate deletion. 

XXXX. XXXX XXXX Inquiry Reported on XX/XX/XXXX An unauthorized inquiry from XXXX XXXX appeared on my credit report. I never applied for any credit or services with this institution. Under FCRA Section 604 ( a ) ( 3 ), a permissible purpose is required for any inquiry. This unauthorized hard inquiry is a violation of my consumer privacy and rights, and I request its immediate removal. 

Conclusion These errors collectively demonstrate a pattern of negligent, unfair, and deceptive credit reporting practices, in violation of multiple federal consumer protection laws including the FCRA, FDCPA, and FACTA. I am requesting a full CFPB investigation into these violations and appropriate enforcement action to ensure these inaccuracies are permanently corrected and deleted. 

The ongoing harm from these inaccurate reports has resulted in credit denials, emotional distress, and significant financial hardship. I expect prompt corrective action and a written response outlining the steps taken to remedy these violations. 

Thank you for your attention and swift resolution of these serious matters.

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