Consumer complaint received 2025-09-24 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: NJ

Complaint narrative:
I am filing this complaint because my consumer credit report contains multiple inaccurate, unverifiable, and unauthorized entries that are causing me severe financial and personal harm. These items violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
The following accounts are being reported inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address. I have never lived at this location, I have no connection to this residence, and yet it is being reported on my credit file. This creates a false identity trail, exposing me to potential fraud and misrepresentation. Under FCRA 605B and 609, I have the right to an accurate consumer file, and reporting this address violates that right. It has caused confusion with creditors, mail delivery issues, and has led to denials of credit because it falsely suggests instability in my residential history. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address. I have never resided here, never applied for credit from this location, and never used this address for any legal or financial purpose. Including this address in my report is not only inaccurate but also misleading. It could potentially link me to debts or obligations that are not mine, creating reputational harm. Under FCRA 602 and 607 ( b ), this reporting must be removed. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$300.00} Late Payment. This entry is reported as having late payments, but the reporting is inaccurate. Payments were not late in the manner described, and in fact, the account history does not justify such negative marks. This furnisher has failed to provide verifiable proof of the alleged delinquencies. Under FCRA 623 ( a ) ( 1 ) ( A ), a furnisher may not report information it knows or has reasonable cause to believe is inaccurate. This accounts reporting is damaging my creditworthiness, has caused me to be denied auto loans, and has even increased my insurance rates due to false portrayal of irresponsibility. 
XXXX XXXX  XXXX Open Date XX/XX/XXXX High Credit {$900.00} Late Payment. This reporting is unfair, inaccurate, and misleading. The company has not verified these late payments with proper records and has not provided me with proof that I was indeed late as alleged. The FCRA requires accuracy and fairness, and the FDCPA prohibits furnishing false or misleading information in the collection and credit reporting process. Because of this, I have faced higher interest rates and loan denials. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$300.00} Charge Off. This entry is being reported as a charge-off, which is highly damaging to my credit file. However, the reporting is not accurate. The account was never properly validated, and the balance, dates, and status are inconsistent across different reports. A charge-off is a severe derogatory mark, and without proper verification, this constitutes unlawful reporting under FCRA 623 and 607. This account has directly caused me to lose housing opportunities and has negatively impacted my employment applications because employers view this as financial irresponsibility. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$300.00} Charge Off. This is a duplicate entry of the previous account, which makes the reporting doubly harmful. Reporting duplicate derogatory accounts for the same creditor and similar dates is deceptive and creates an inflated negative picture of my creditworthiness. This is a violation of FCRA 607 ( b ), which requires credit reporting agencies to ensure information is not duplicated or misleading. The duplicate nature of this account is unlawful and must be deleted immediately. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off. This reporting is illogical, as it lists a high credit of {$0.00} while simultaneously claiming a charge-off. This is contradictory and clearly inaccurate. Reporting a charge-off without an actual credit amount is misleading and violates the accuracy standards of the FCRA. The reporting has damaged my ability to refinance and apply for necessary credit. I demand deletion of this entry as unverifiable and inaccurate. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off. This account is reported as a charge-off despite listing a high credit of {$0.00}, which is contradictory and inaccurate. Reporting a charge-off without any actual credit extended is deceptive, misleading, and violates FCRA 607 ( b ), which requires maximum possible accuracy. This false charge-off has led to severe credit score damage, denial of auto loans, and unnecessary financial hardship. I have requested validation and none has been provided. 
XXXX XXXX  XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment. This late payment reporting is false and unverifiable. A {$0.00} high credit balance shows no legitimate credit extension, making the reporting of late payments logically inconsistent. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know to be inaccurate. This false report has damaged my reputation with lenders, raising interest rates and blocking approval for much-needed credit. 
XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off. This entry is reported as a charge-off with no valid balance or high credit, making it factually inconsistent and inaccurate. This type of reporting creates false derogatory marks, which is unlawful under the FCRA and has harmed my ability to secure stable financial opportunities. Because of this inaccurate entry, I have been denied personal loans and housing applications. 
XXXX XX/XX/XXXX XXXX. This inquiry is inaccurate, unauthorized, and harmful. I never gave written consent for this creditor to pull my report. Under FCRA 604, consumer reports may only be accessed for permissible purposes, and this inquiry does not meet that standard. This unauthorized pull lowers my score and invades my privacy. 
XXXX XXXX XX/XX/XXXX Inquiry. This hard inquiry is unauthorized. I did not apply for credit with XXXX on this date, and reporting it constitutes a violation of FCRA 604. Unlawful inquiries create an appearance of excessive credit seeking, which misleads lenders and damages my credibility. 
Impact on Me : These inaccurate accounts and unauthorized inquiries have lowered my credit score significantly, leading to repeated denials of auto loans, higher interest rates on personal credit, and even difficulties in housing applications. This has created financial hardship, emotional distress, and reputational harm. 
Requested Action : I am demanding that the CFPB ensure that the credit reporting agencies and furnishers involved conduct a full reinvestigation under FCRA 611, delete or correct all inaccurate and unverifiable account entries, and remove all unauthorized hard inquiries that were made without my consent. I also request that the CFPB hold these furnishers and agencies accountable for ongoing violations of federal law and require written confirmation of corrections.

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