Consumer complaint received 2025-07-29 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 formal complaint under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) due to a wide range of inaccurate, unverifiable, and outdated information being reported by credit bureaus and furnishers on my credit file. These include wrong addresses, fraudulent or duplicate accounts, and unauthorized hard inquiries. Despite my previous dispute efforts, these inaccuracies remain unresolved, continuing to cause me severe financial and emotional harm. I am requesting CFPB to intervene and ensure immediate deletion of the items listed below. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Issue : This is not and has never been my residence.

Law : FCRA 1681e ( b ) failure to ensure maximum possible accuracy.

Story : This address falsely connects me to an area Ive never resided in. It has no relation to my identity or credit activities and could be the result of a merged file or incorrect data entry. This has caused rejections on applications due to suspicion of identity inconsistency. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Wrong address ; never associated with me.

Law : FCRA 609 ( a ) right to know the source of information.

Story : Ive never lived at this location, yet this address shows up on my credit profile and creates unnecessary links to collections I dont recognize. This jeopardizes my housing opportunities and job screening processes. 
XXXX XXXX XXXX XXXXXXXX Issue : Unverified collection account for {$470.00}. 
Law : FDCPA 809 ( a ), FCRA 611 validation and dispute rights.

Story : I was never notified about this debt, never received validation, and have no contract or billing from this collector. Reporting a collection without notice is illegal and has hurt my credit score, leading to auto loan denials and higher interest rates. 
XXXXXXXX XXXX XXXX XXXXXXXX Issue : Charge-off listed with {$0.00} balance. 
Law : FCRA 1681s-2 ( b ) furnishers must report accurate info.

Story : This misleading report makes it seem like I defaulted, but the balance is {$0.00}, meaning it was settled or charged off inaccurately. This inconsistency causes scoring miscalculations and makes me look financially irresponsible. 
XXXX XXXXXXXX XXXX : False charge-off with {$0.00} balance.

Law : FCRA 1681e ( b ) obligation to ensure accuracy.

Story : This shows a charge-off even though theres no balance. If the account was settled, the report should reflect that accurately. This account remains as a red flag with lenders even though it holds no actual debt. 
XXXX XXXX XXXX XXXXXXXX Issue : Charge-off without proper notice.

Law : FCRA 623 ( b ), FDCPA 807 ( 8 ). 
Story : I was never informed that this account would be charged off. I was trying to settle this, but they reported it without warning. This reflects badly and unfairly on my report. 
XXXX XXXX XXXX XXXXXXXX Issue : Duplicate charge-off listing.

Law : FCRA 602 unfair credit practices.

Story : This is a duplicate of the above and gives the false impression that I had multiple delinquencies. This lowers my score unfairly and affects my insurance and employment opportunities. 
XXXX XXXX XXXX XXXX Issue : Incorrect charge-off status.

Law : FCRA 1681s-2 duties of furnishers.

Story : This loan was resolved but is still shown as charge-off. The misleading status has led to a personal loan denial recently, despite my efforts to manage and settle my accounts. 
XXXX XXXX XXXXXXXX Issue : Late payment reported on closed {$0.00} account.

Law : FCRA 605 ( b ) outdated data reporting.

Story : Its unethical to report a late payment after the account is paid off and closed. This unjust report has knocked my score down over XXXX points and hurt my credit card applications. 
XXXX XXXX XXXX XXXX Issue : No notice or validation of {$1100.00} collection.

Law : FDCPA 809 ( a ) required debt notice.

Story : This collection appeared without prior communication. No dunning letter, no explanation. It feels predatory, and I believe it was reported without proper due diligence. 
XXXX XXXX XXXX XXXX Issue : Unrecognized debt {$260.00}. 
Law : FDCPA 809, FCRA 611.

Story : I do not know what this is. I never received a bill or any notice. This item is not verifiable and appears to be a misattributed debt from an unknown third party. Remove it immediately. 
XXXX XXXX XXXX XXXX Issue : {$400.00} collection with no validation. 
Law : FDCPA 809, FCRA 604 ( a ) ( 3 ).

Story : Ive reached out for details and got no response. I was never served or notified. This rogue collection has damaged my profile unfairly. 
XXXX XXXX XXXX XXXXXXXX Issue : Duplicate of previously listed {$2600.00} debt.

Law : FCRA 623 ( a ) ( 5 ).

Story : This is clearly a duplicate and needs deletion. XXXX entries for the same debt mislead potential lenders and inflate perceived delinquency. 
XXXX XXXX XXXX XXXXXXXX Issue : Another duplicate entry {$1100.00}. 
Law : Same as above.

Story : This repeated listing is causing unfair rejection from job applications involving credit-based screenings. I request immediate correction. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Issue : Unvalidated {$740.00} collection. 
Law : FDCPA 809, FCRA 602.

Story : I dont recognize this creditor. Theyve reported a collection I was never contacted about. No contract, no communication. This is harming me unjustly. 
XXXXXXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized inquiry.

Law : FCRA 604 ( a ) ( 3 ) permissible purpose required. 
Story : I did not apply for credit with XXXX XXXX  and did not consent to this pull. It dropped my score and caused concern about identity theft. Remove it immediately. 
XXXX XXXXXX/XX/XXXX Issue : Inquiry made without permission.

Law : FCRA 604 ( b ) ( 2 ). 
Story : I have not attempted to open a XXXX XXXX account. This pull was done without my request and seems fraudulent or misrouted. 
XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry.

Law : FCRA 604. 
Story : I never authorized XXXX XXXX to access my credit file. This is suspicious activity and has negatively affected my score without justification. 
Each of these entries represents a serious violation of my rights as a consumer under federal law. I am demanding immediate reinvestigation and permanent deletion of all inaccurate, unverifiable, or unauthorized information. These errors have already caused me credit denials, housing application rejections, and job screening issues. I respectfully request the Consumer Financial Protection Bureau to investigate this matter thoroughly and hold the furnishers and credit bureaus accountable for violating the law. I am requesting full deletion of all incorrect addresses, all accounts lacking validation, duplicate entries, and unauthorized hard inquiries.

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