Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
Dear CFPB Officer, I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ) against the credit reporting agencies and furnishers of information listed below. The following items appear on my credit report without permissible purpose, without my consent, and in violation of my rights under the FCRA. These false and damaging entries have severely harmed my credit standing, cost me lending opportunities, and caused emotional and financial distress. 
XXXX XXXX XXXX, FL XXXX Wrong Address Issue : This address does not belong to me, I have never lived here, and there is no lease, utility, or postal record linking me to this location. Its inclusion in my credit file is completely false and misleading.

Law : FCRA Section 604 ( a ) ( 2 ) & 607 ( b ) A consumer report may only contain accurate and verifiable information ; reporting an incorrect address violates the requirement to maintain maximum possible accuracy.

Story : The presence of this wrong address is linking my identity to another individuals credit history, which is causing serious confusion and damaging my credibility with lenders. It raises a high risk of identity theft and results in lenders associating me with accounts, inquiries, and derogatory marks that are not mine. This is not just an inconvenience ; it is an ongoing harm to my financial stability, preventing me from accessing fair credit opportunities and putting me under constant stress. 

XXXX XXXX XXXX XXXX FL XXXX Wrong Address Issue : I have never lived at or been associated with this address in any capacity.

Law : FCRA 15 USC 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report; including a false address is a direct violation.

Story : Reporting this false address paints an inaccurate picture of my residency history, leading creditors to question my stability and reliability. This has resulted in unnecessary rejections for housing applications and raised suspicion during background checks. The inaccuracy damages my reputation and may cause lenders to view me as higher risk, which leads to higher interest rates and fewer approvals. 

XXXXXXXX XXXX XXXX XXXX  High Balance : {$1200.00} Date Opened : XX/XX/XXXX Late Payment Issue : The reported late payment is inaccurate and unverified. No evidence or payment history substantiates this claim. 
Law : FCRA 623 ( a ) ( 1 ) ( A ) A furnisher of information shall not furnish data to a consumer reporting agency if it knows or has reasonable cause to believe that the information is inaccurate.

Story : I have always ensured that payments on this account were made on time, and any suggestion of lateness is false. This erroneous reporting has significantly lowered my credit score, caused denials for credit applications, and led to higher interest rates. I am now paying more for loans and insurance because of an inaccuracy that the creditor has failed to correct despite disputes. 

XXXX XXXX XXXX XXXX High Balance : {$490.00} Date Opened : XX/XX/XXXX Late Payment Issue : The reported late payment is inaccurate and has not been validated with any payment records.

Law : FCRA 623 ( b ) Upon receiving a dispute from a consumer, the furnisher must conduct a reasonable investigation and delete information found to be inaccurate or unverifiable.

Story : This false late payment is hurting my ability to secure affordable credit. Lenders are using this incorrect data to justify higher rates, which directly impacts my finances. I have lost out on better loan offers, and my creditworthiness is being unfairly questioned because the furnisher refuses to correct its error. 

XXXXXXXX XXXX XXXX XXXX  High Balance : {$1300.00} Date Opened : XX/XX/XXXX Late Payment Issue : This account is inaccurately reported as having a late payment without any contractual breach.

Law : FDCPA 807 ( 8 ) It is prohibited to communicate or threaten to communicate false credit information.

Story : My records show that I made timely payments, yet a late mark has been placed on my account, damaging my credit standing. This false information has been used to deny me new credit cards and has reduced my available credit limit, directly affecting my financial flexibility. 

XXXX XXXX XXXX XXXX XXXX  High Balance : {$16000.00} Date Opened : XX/XX/XXXX Late Payment Issue : Unsupported late payment report with no proper documentation. 
Law : FCRA 607 ( b ) CRAs must follow reasonable procedures to assure accuracy.

Story : Because of this error, I missed the chance to refinance my auto loan at a lower rate, costing me thousands of dollars over the life of the loan. 

XXXXXXXX XXXX XXXX XXXX  High Balance : {$24000.00} Date Opened : XX/XX/XXXX Late Payment Issue : No evidence of a missed payment exists, yet the account is marked late.

Law : FCRA 623 ( a ) ( 1 ) ( A ) Duty to furnish only accurate information.

Story : This false report has damaged my standing with lenders, forcing me to accept less favorable terms and reducing my overall financial opportunities. 

XXXX XXXX XXXX XXXX XXXX High Balance : {$25000.00} Date Opened : XX/XX/XXXX Charge Off Issue : No proof of default ; improperly reported as charged off. 
Law : FCRA 623 ( b ) Duty to investigate disputed information.

Story : This wrongful charge-off has caused me to be denied employment in positions requiring a credit check, which is directly impacting my income potential. 

XXXX XXXXXXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Charge Off Issue : No proof of delinquency ; false charge-off status.

Law : FCRA 623 ( a ) Duty to provide accurate and verifiable data.

Story : This entry caused my recent auto loan to be denied and has forced me to rely on costly alternative transportation. 

Bankruptcy Reference # XXXX Court U.S. Bankruptcy Court Bankruptcy Issue : I never filed for bankruptcy ; this record belongs to another person.

Law : FCRA 605 ( a ) ( 1 ) Only accurate public records may be reported.

Story : This false bankruptcy listing is one of the most damaging errors possible, as it makes me appear as a high-risk borrower to every lender. I have been denied mortgages, personal loans, and credit cards because of it. This is financial defamation and must be removed immediately. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : I did not initiate any credit application with XXXX XXXX XXXXXXXX. 
Law : FCRA 604 ( a ) ( 3 ) Requires permissible purpose before accessing a consumer report.

Story : This unauthorized inquiry can result in lenders assuming I am in financial distress, which could lead to rejections. 

XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : No application or authorization was given to XXXX XXXX. 
Law : FCRA 604 ( a ) Access to my report without consent is unlawful.

Story : Unapproved inquiries create the impression of unstable credit behavior, damaging my borrowing power. 

XXXX XXXX XX/XX/XXXX Inquiry Issue : I did not apply for any financing or purchase from XXXX XXXX. 
Law : FCRA 604 ( a ) ( 2 ) Requires consent from the consumer.

Story : This false inquiry links my profile to a dealership transaction that never happened, misleading future creditors. 

XXXX XXXXXX/XX/XXXX Inquiry Issue : Unauthorized access to my credit report by XXXX XXXX. 
Law : FCRA 604 Credit report pulls must have permissible purpose.

Story : This entry has reduced my score and is not connected to any legitimate request from me. 

XXXX XX/XX/XXXX Inquiry Issue : I did not initiate a credit request with XXXX on this date. 
Law : FCRA 604 ( a ).

Story : This is another example of unauthorized credit pulling, lowering my score and raising suspicion from other creditors. 

XXXX XXXXXX/XX/XXXX Inquiry Issue : Unauthorized pull of my credit report without my permission.

Law : FCRA 604 ( a ) ( 3 ).

Story : This suggests background checks or applications I did not make, damaging my creditworthiness.

Conclusion & Demand for Resolution : These inaccuracies, unauthorized inquiries, and false addresses are in direct violation of my rights under the Fair Credit Reporting Act. I demand an immediate investigation, deletion of the disputed items, and written confirmation of removal within 30 days as required by FCRA 611 ( a ). Continued reporting of inaccurate information will result in legal escalation and complaints to additional oversight agencies.

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