Consumer complaint received 2025-09-04 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:
I am submitting this complaint regarding multiple inaccurate accounts and inquiries being reported on my credit file. These errors violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The following items are disputed, and I am requesting immediate investigation, deletion, and correction. 
Wrong/Unverified Addresses Reported XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX  XXXX TX XXXX Story : These addresses are not all mine, and many were added without my authorization or knowledge. Because of these unverified addresses, I have been linked to accounts and debts that are not mine, which has led to wrongful denials for credit and unfair treatment by creditors. For example, I was questioned about addresses where I never lived during an apartment application process, and that resulted in embarrassment and rejection. The CRAs are supposed to ensure that only accurate and verified addresses are reported under FCRA 607 ( b ), but in my case, they have failed, exposing me to identity confusion and financial harm. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge Off XXXX XXXX  Story : This account is listed as a charge-off, yet it shows a {$0.00} balance. Reporting a charge-off when nothing is owed is contradictory and defamatory. This false mark damaged my credit profile and made me look like a high-risk borrower even though there is no financial obligation left. Because of this inaccurate reporting, I was denied a car loan and forced to accept higher interest rates elsewhere, costing me thousands of dollars. This violates FCRA 623 ( a ) ( 1 ) ( A ) and shows negligence by both the furnisher and the CRA. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$700.00} Status : Late Payment XXXX XXXX Story : This account is reporting late payments, but I never received proper documentation proving those late payments. I always made payments within the time agreed, and when I disputed this directly with the creditor, I never received validation. Under FCRA 609 ( a ) and FDCPA 809 ( b ), I have the right to request validation, yet XXXX XXXX failed to provide it. These wrongful late payment marks lowered my credit score dramatically, making it nearly impossible for me to qualify for fair housing. I was forced to pay higher deposits for utilities and was denied access to better rental opportunities, all because of this unverified reporting. 
XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} Status : Late Payment XXXX XXXX Story : This account shows a {$0.00} balance but still reports late payments, which is contradictory and damaging. Reporting lateness on an account where no balance exists is misleading and unfair. These wrongful lates dropped my credit score significantly, and I was denied approval for a mortgage refinance that would have saved me money. The stress of this false reporting has affected me emotionally and financially. I have had to explain myself repeatedly to lenders and landlords, and it feels like I am being punished for something I did not do. This is a direct violation of FCRA 623 ( a ) ( 1 ) ( B ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$130.00} Status : Late Payment XXXX XXXX  Story : This account is inaccurately reporting late payments. I made my payments on time, yet the furnisher marked me late without proper validation. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must report with maximum accuracy. These wrongful lates damaged my score, leading to a denial of credit when I applied for a small personal loan to cover emergency medical expenses. The emotional distress and financial burden caused by this wrongful reporting is unfair and unlawful. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge Off XXXX XXXX  Story : This account is showing as a charge-off with a {$0.00} balance, which is contradictory and misleading. A charge-off implies loss to the creditor, yet a {$0.00} balance shows no debt exists. This entry confuses creditors and portrays me as a high-risk borrower when I owe nothing. Because of this, I was denied a refinance opportunity that would have lowered my monthly expenses. Reporting a charge-off on {$0.00} balance violates FCRA 607 ( b ) and FCRA 611 ( a ) regarding accuracy and reinvestigation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge Off XXXX XXXX Story : This is a duplicate account, reported as a separate charge-off with a {$0.00} balance. Duplicate derogatory reporting magnifies negative impact and unfairly lowers my score. I have been questioned by lenders about why I have multiple charge-offs, when in reality these are false duplicates. This violates FCRA 623 ( a ) ( 1 ) ( B ) since the furnisher is knowingly providing misleading information. The duplicate reporting is defamation of my character and has caused severe financial hardship. 
XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$930.00} Status : Collection XXXX XXXX  Story : This account is reported as a collection, but I was never properly notified or validated of this debt. I never received a validation letter as required by FDCPA 809 ( b ). This collection appeared suddenly on my report and has caused serious credit damage. Because of it, I was denied an auto loan, forcing me to rely on unreliable transportation. Reporting a debt without validation is illegal and predatory. 
XXXX XXXX Inquiry XX/XX/XXXX Story : This inquiry was made without my knowledge or authorization. Hard inquiries impact credit scores and should only occur with consumer consent. This unauthorized inquiry violates FCRA 604 ( a ) ( 3 ), which requires permissible purpose. This damaged my score unfairly and made me look like I was seeking excessive credit. 
XXXXXXXX XXXX Inquiry XXXXXX/XX/XXXX Story : I did not authorize this inquiry. XXXX XXXX pulled my credit without my consent. This action harmed my credit score and misrepresents me as someone applying for multiple accounts, which is false. Unauthorized inquiries are identity-related risks and violate consumer protection laws. 
XXXX Inquiry XX/XX/XXXXXXXX  Story : This inquiry is also unauthorized. I never applied for credit with XXXX XXXXXXXX on the listed date. Each hard inquiry stays for two years and causes long-term credit damage. Reporting such an inquiry without consent violates FCRA 604. 
XXXX XXXX Inquiry XX/XX/XXXX Story : XXXX XXXX again made an inquiry without my authorization. This is a repeated violation and shows negligence on the part of the CRA to screen permissible purpose. This created the false appearance of excessive credit seeking. 
XXXX XXXX Inquiry XX/XX/XXXX Story : Yet another unauthorized inquiry by XXXX XXXX. These repeated unauthorized pulls are harming me continuously. I never gave consent, and under FCRA 616, I have the right to seek damages for willful violations. 
My Story These false late payments, duplicate charge-offs, unvalidated collections, and unauthorized inquiries have destroyed my credit profile. I have been denied loans, housing, and fair financial opportunities. My family and I have suffered emotional distress and financial losses. The CRAs and furnishers have failed to ensure accuracy and have ignored my rights under FCRA 611 ( a ) by continuing to report unverifiable information. 
Relief Requested 1. Immediate deletion of all inaccurate late payments, charge-offs, and collections listed above.

2. Removal of all unauthorized inquiries from my credit file.

3. Written confirmation of investigation and resolution within 30 days as required by FCRA 611 ( a ).

4. Assurance that no unverifiable or duplicate accounts will be reinserted in the future without full documentation.

If these violations are not corrected, I will escalate this complaint to state and federal regulators and pursue damages under FCRA 616 and 617.

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