Consumer complaint received 2025-08-21 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:
Dear CFPB, I am submitting this formal complaint 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., against the credit reporting agencies and furnishers who have failed to ensure accuracy, proper investigation, and lawful handling of my credit information. My credit file has been severely damaged by multiple inaccuracies, including wrong addresses, misreported accounts, late payments that never occurred, charge-offs reported in error, duplicate collections, and unauthorized inquiries. 
The following items represent inaccurate, misleading, and legally non-compliant reporting that has caused me financial and reputational harm : Wrong Address : XXXX XXXX XXXX XXXX, XXXX, LA XXXX Issue : This address is not now nor has it ever been connected to me. 
Law : FCRA 607 ( b ) requires consumer reporting agencies to assure maximum possible accuracy. FCRA 611 requires reinvestigation of disputed information. 
Story : I never resided at this address, never received mail here, and have no connection to any accounts associated with this location. Reporting this wrong address links me to unknown debts and possibly fraudulent activities. Such reporting damages my creditworthiness, creates suspicion of identity theft, and unjustly lowers my score. 
Account : XXXX XXXX XXXX High Balance {$340000.00}, Date Opened XX/XX/XXXX Late Payment Issue : Inaccurate late payment reporting. 
Law : FCRA 607 ( b ), FDCPA 807 ( 8 ).

Story : I never missed payments in the way reported. The bureaus failure to properly verify has falsely shown me as delinquent on a large financial obligation. This is severely harmful because lenders now view me as a high-risk borrower. My payment history has always been my priority, and this error undermines years of responsible financial management. 
Account : XXXX XXXX  XXXX, High Balance {$4600.00}, Date Opened XX/XX/XXXX Charge Off Issue : Wrongly reported charge off. 
Law : FCRA 607 ( b ).

Story : This account was never charged off. The false reporting damages my reputation, restricts my access to loans, and makes it seem like I abandoned my obligations when I did not. This error continues to cause financial hardship and emotional distress. 
Account : XXXX XXXX XXXXXXXX, High Balance {$3100.00}, Date Opened XX/XX/XXXX Charge Off Issue : Duplicate and inconsistent negative reporting. 
Law : FCRA 607 ( b ), FCRA 611.

Story : This same account is listed twice with different balances. This inflates the number of derogatory accounts on my credit report, exaggerating risk and damaging my score. This is malicious in nature as it shows clear negligence in verification. 
Hard Inquiries ( Disputed Individually ) Inquiry : XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 604.

Story : No consent was given to COAF to pull my report. This is harmful and misleading to other creditors. 
Overall Harm and Non-Compliance : The repeated pattern of inaccurate reporting, failure to correct errors upon dispute, and allowance of unauthorized inquiries demonstrates systemic violations of the FCRA and FDCPA. Each inaccuracy has caused me denial of credit, emotional distress, reputational harm, and unnecessary financial hardship.

Relief Requested : I respectfully request that the CFPB : 1. Conduct a full investigation into these reporting errors.

2. Order the credit bureaus and furnishers to immediately delete the inaccurate addresses, account errors, and unauthorized inquiries. 
XXXX. Require the furnishers to provide documentation verifying accuracy before re-reporting any negative information. 
XXXX. Ensure compliance with FCRA and FDCPA provisions to prevent further harm. 
I am attaching supporting documents, including prior disputes sent to the bureaus, proof of my correct address, and payment records for the disputed account. 
Thank you for your attention to this matter. I trust the CFPB will uphold my rights under federal law and hold the responsible parties accountable.

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