Consumer complaint received 2025-07-31 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 writing to formally lodge a complaint against the credit bureaus and several furnishers for the grossly inaccurate and damaging information being reported on my credit reports. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) and have caused me severe financial and emotional distress. 
XXXX XXXX XXXX XXXX, FL XXXX ISSUE : This is a completely unfamiliar address. I have never lived, worked, or had any connection to this location.

LAW : FCRA 1681e ( b ) requires credit bureaus to maintain accurate and up-to-date information. Reporting an incorrect address is a violation.

STORY : This false address suggests potential identity confusion or mixed files. I fear this could be tied to fraudulent activity or someone elses credit file. It has emotionally affected my peace and has denied me access to basic credit services. 
XXXX XXXX XXXX  XXXX, FL XXXX ISSUE : I have no relationship with this property. It is reported incorrectly on my credit file.

LAW : Under 15 U.S.C. 1681i, I have the right to dispute and demand reinvestigation of inaccurate information.

STORY : I am concerned this may be the result of a data input error or someone elses credit file being merged with mine. It creates false impressions and contributes to ongoing denial of credit applications. 
XXXX XXXX * * | Date Opened : XX/XX/XXXX | High Credit : {$17000.00} * * ISSUE : This account is reporting late payments that are not accurate. I made timely payments or had hardship arrangements.

LAW : FCRA 1681s-2 prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

STORY : Due to a medical emergency during the reporting period, I had communicated with the creditor. Despite hardship documentation, the late mark was added. 
XXXX XXXX XXXX XXXX * * | Date Opened : XX/XX/XXXX | High Credit : {$520.00} * * ISSUE : This account falsely reports a late payment.

LAW : Violates FCRA 1681s-2 ( a ) and my rights to dispute incorrect credit information. 
STORY : I used this account to build credit. Reporting a late payment that did not occur defeats the purpose and unjustly penalizes me. 
XXXX XXXX XXXX * * | Date Opened : XX/XX/XXXX | High Credit : {$490.00} * * ISSUE : Charged off incorrectly. The account should reflect resolved or closed in good standing.

LAW : Under FCRA 1681i, I demand reinvestigation and documentation.

STORY : I paid off this account, and it was settled. The current charge-off status is outdated and incorrect. 
XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | High Credit : {$370.00} ISSUE : Not mine. No knowledge or documentation.

LAW : FDCPA 809 ( b ) requires validation before reporting to CRAs.

STORY : Never received any contact. This sudden entry feels like identity confusion or reporting error. 
XXXX  XXXX XXXX * * | Date Opened : XX/XX/XXXX | High Credit : {$720.00} * * ISSUE : Collection reported without validation or connection to me.

LAW : Violates FDCPA 807 ( 8 ) and FCRA obligations.

STORY : I am distressed by this random report affecting my credit during job search and loan application process. 
XXXX XXXX XXXX * * | Date Opened : XX/XX/XXXX | High Credit : {$1800.00} * * ISSUE : This collection account is fraudulent or at minimum unverified.

LAW : Under FDCPA, I am entitled to debt validation before reporting.

STORY : I have tried contacting the agency but was met with silence. I feel unheard and misrepresented. 
XXXX  XXXX | Date Opened : XX/XX/XXXX | High Credit : {$200.00} * * ISSUE : Unfamiliar debt. Never received a bill or notice.

LAW : FDCPA 809 and FCRA 1681i require proper validation.

STORY : I feel targeted and harassed by unjust entries. This one adds to the confusion and stress. 
XXXX XXXX XXXX * * | Date Opened : XX/XX/XXXX | High Credit : {$440.00} * * ISSUE : Unauthorized collection. Reporting multiple times. 
LAW : Reporting the same account multiple times under different labels violates FCRA. 
STORY : XXXX has reported this account under several names : XXXX, XXXX, XXXX, etc. This is abusive and misleading. 
XXXX ( both XXXX * * & XXXX * * * * ) * * ISSUE : Charge offs from Lendmark are not accurate I had settled agreements.

LAW : FCRA 1681s-2 ( b ) furnishers must investigate disputes.

STORY : I worked with the lender to resolve this. They promised updates, but nothing changed. My report still suffers. 
XXXX XXXX * * * * ISSUE : Old account already resolved but still reports as charge-off.

LAW : Outdated, inaccurate reporting is unlawful under 1681c ( a ).

STORY : This makes it look like Im irresponsible years later. Its unfair. 
XXXX XXXX XXXX XXXX * * * * ISSUE : Charged off account I had closed.

LAW : Any account closed in good standing should reflect so. FCRA 1681s-2 ( a ).

STORY : I left the credit union after repaying all dues. Theyre now misreporting years later. 
XXXX XXXX * * | Date Opened : XX/XX/XXXX | High Credit : {$24000.00} * * ISSUE : Account reported as charge-off despite current payments. 
LAW : Furnishers must not report inaccurately. FCRA 623.

STORY : Im still making payments. This report damages my record with no basis.

Hard Inquiries These inquiries were not authorized by me, and I never gave consent. 

ACCURATE XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ISSUE : All these inquiries appear without my knowledge or consent.

LAW : Under FCRA 604 ( c ), a consumers authorization is required for inquiries related to credit.

STORY : I never applied for credit with these businesses. These inquiries have lowered my score unfairly and made me look like a high-risk borrower.

ACTION REQUESTED FROM CFPB I respectfully request that CFPB take the following actions on my behalf : 1. Order the credit bureaus to permanently delete the false addresses listed above.

2. Require all furnishers to validate, correct, or remove the erroneous accounts, charge-offs, and collections.

3. Instruct the credit bureaus to delete all unauthorized hard inquiries.

4. Compel the furnishers and credit bureaus to provide a written confirmation of the deletions and investigation results.

5. Investigate whether these errors result from willful noncompliance or negligent credit file mixing.

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