Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
I am submitting this complaint because my credit reports contain false addresses, inaccurate accounts, unverifiable collections, late payments, charge-offs, and unauthorized inquiries. These errors violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Each error has caused me denial of credit, financial hardship, emotional distress, and reputational damage. 
Below, I list each disputed item separately with the Issue, Law, and Story. 
XXXX XXXXXXXX XXXX  High Balance : {$7400.00} Date Opened : XX/XX/XXXX Charge Off * * Issue : Charge-off reported without validation. 
Law : FDCPA 807 ( 8 ) prohibits false reporting ; FCRA 623 ( b ) requires correction of errors.

Story : This charge-off has severely damaged my credit. It makes me look like someone who completely abandoned a debt, which is false. Because of this derogatory mark, I was denied a small personal loan that I needed for medical expenses. I have faced harassment, humiliation, and extreme stress over something that should not be reported without full validation. 
XXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXXXXXX  Charge Off * * Issue : Charge-off reported without investigation. 
Law : FCRA 611 requires reinvestigation of disputed items ; FDCPA 809 ( b ) requires validation.

Story : This false charge-off is making it look like I am financially reckless. I was denied a credit card recently because of this, which blocked me from building my credit. It has also created emotional stress because every time I apply for something, I am treated as untrustworthy due to false reporting.

XXXX XXXX XXXXXXXX XXXX  High Balance : {$830.00} Date Opened : XX/XX/XXXXXXXX  Charge Off * * Issue : False charge-off entry. 
Law : FCRA 602 ( A ) requires fairness and accuracy in reporting.

Story : This account is not only small in amount but also completely inaccurate. Yet even a small charge-off brings down my score significantly. This false item is preventing me from qualifying for better housing and has left me paying higher deposits for utilities. The emotional toll is heavy because I constantly feel punished for something that isnt true.

XXXX XXXXXXXX XXXX XXXX  High Balance : {$2000.00} Date Opened : XX/XX/XXXXXXXX  Late Payment * * Issue : False late payments reported. 
Law : FCRA 607 ( b ) requires maximum possible accuracy.

Story : These false late payments are lowering my score month after month. I was denied approval for a vehicle lease due to these marks. It has created embarrassment in front of my family and peers when I can not qualify for basic financial products. 
XXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Charge Off * * Issue : Another false charge-off. 
Law : FCRA 623 ( b ) requires correction of disputed information.

Story : This is a repeated pattern with XXXX XXXX, showing multiple false derogatories. Each one drags my score down and blocks me from fair access to credit. It has become a cycle where I feel trapped and unable to recover from misinformation that I can not correct on my own. 
XXXX XXXX XXXX  High Balance : {$50000.00} Date Opened : XX/XX/XXXX Charge Off * * Issue : False charge-off reported without validation. 
Law : FCRA 611 requires reinvestigation ; FDCPA 807 prohibits false representation.

Story : This is a large account and being labeled as charged-off makes it appear that I completely failed on a major financial obligation. Because of this, I was denied financing for another vehicle and faced financial hardship. It also created emotional distress because people view me as irresponsible, when in fact this account has not been validated.

XXXX XXXX XXXX XXXX High Balance : {$1800.00} Date Opened : XX/XX/XXXXXXXX  Collection * * Issue : Reported as a collection account without proper validation. 
Law : FDCPA 809 ( b ) requires debt validation ; FCRA 623 prohibits reporting inaccurate information.

Story : This collection was never validated to me with original documentation. XXXX reporting makes it look like I failed to pay a debt that I do not recognize. This has resulted in denial of personal loan applications, higher credit card interest rates, and embarrassment when lenders see my report. 
XXXXXXXX XXXX XXXX XXXX  High Balance : {$1100.00} Date Opened : XX/XX/XXXXXXXX  Collection * * Issue : Another collection reported by XXXX without validation. 
Law : FDCPA 807 prohibits false or misleading credit reporting ; FCRA 607 ( b ) requires maximum accuracy. 
Story : XXXX has a reputation for recycling debts, and this appears to be one of those false entries. Because of this, my creditworthiness is being unfairly damaged. I feel harassed and hopeless, unable to qualify for even modest credit due to these repeated false collections. 
XXXXXXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXXXXXX  Collection * * Issue : XXXX XXXX is reporting a collection account without proof of accuracy. 
Law : FDCPA 807 ( 8 ) prohibits false credit reporting ; FCRA 623 ( b ) requires correction after disputes.

Story : XXXX has not provided me with any proof that this debt belongs to me. Still, they report it and damage my credit. I was denied a credit card because of this false account, and it continues to cause stress and financial harm. 
XXXX XXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXXXXXX  Collection * * Issue : Reported by debt buyer XXXX XXXX  without validation. 
Law : FDCPA 809 ( b ) requires validation before reporting ; FCRA 611 requires reinvestigation.

Story : XXXX  is known for inaccurate collection practices. This false collection makes me look like I defaulted, and it has cost me approval for housing and credit. It causes me constant stress to see it remain despite disputes. 
XXXX XXXXXXXX XXXX XXXX  High Balance : {$1700.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX Issue : Another unvalidated collection by XXXX XXXX. 
Law : FDCPA 807 prohibits false representation of debt ; FCRA 623 prohibits inaccurate reporting.

Story : Having multiple collections from XXXX makes it appear that I am financially irresponsible. This has damaged my reputation, denied me employment opportunities where credit reports are reviewed, and caused ongoing hardship for my family. 
XXXXXXXX XXXX XXXX High Balance : {$3400.00} Date Opened : XX/XX/XXXXXXXX  Collection * * Issue : Collection account reported by Cavalry without documentation or validation. 
Law : FDCPA 809 ( b ) requires validation ; FCRA 602 ( A ) requires fairness and accuracy in reporting.

Story : XXXX is reporting this account without giving me any proof it belongs to me. This has lowered my score, blocked me from refinancing options, and added stress to my life because I am constantly treated as if I abandoned my financial responsibilities when that is not true. 
XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX  Issue : Hard inquiry reported without my authorization. 
Law : FCRA 604 requires permissible purpose before pulling a consumers credit report.

Story : I never gave authorization for this inquiry. This has harmed my credit score and makes it appear that I am seeking excessive credit, which lenders view negatively. It has embarrassed me and caused denials due to too many inquiries.

Requested Relief Remove all wrong addresses, false accounts, charge-offs, collections, and unauthorized inquiries.

Enforce compliance with FCRA and FDCPA against all furnishers and CRAs. 
Compensate me for damages including financial loss, denials of credit, emotional distress, and reputational harm.

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