Consumer complaint received 2025-08-08 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: CT

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against various furnishers and credit reporting agencies for violating the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and my rights as a consumer. I have attempted to resolve these issues directly, but the inaccuracies continue to appear on my credit reports, severely damaging my credit profile, financial opportunities, and personal well-being. 
Address Issues XXXX XXXX XXXX, GA XXXX Issue : Wrong Address Law : FCRA 15 U.S.C. 1681e ( b ) requires maximum accuracy in consumer report information Story : I have never resided at, nor used, this address in any capacity. The appearance of this incorrect address on my credit file has caused verification delays and risked wrongful account association, undermining my right to an accurate credit profile. 

XXXX XXXX XXXX, GA XXXX Issue : Wrong Address Law : FCRA 15 U.S.C. 1681i ( a ) grants the right to dispute completeness or accuracy Story : This address does not belong to me and has led to several verification failures with financial institutions and service providers. This is a clear violation exposing me to identity confusion and regulatory breaches. 

Account Issues XXXX XXXX XXXX Issue : Late Payment, High Balance Reported Law : FCRA mandates accuracy and timely correction of credit file errors Story : I dispute the listed late payment as my records show timely payments. The {$15.00} high balance is also inconsistent with my statements. This misreporting is harming my ability to secure affordable credit and violates my rights. 

XXXX XXXX Issue : Charge Off, Credit Damage Law : FCRA & 15 U.S.C. 1681s-2 ( b ) data furnishers must investigate disputes Story : The account was marked charged off despite attempts to negotiate payment. No written notification of charge-off consequence reached me, irreparably damaging my score. 

XXXX XXXX XXXX Issue : Charge Off Law : FCRA data accuracy requirement ; ECOA fair reporting Story : I dispute the charge off as the balance and status reported do not match my payment arrangement records. My ability to secure housing/loans has been adversely affected. 

XXXX XXXX Issue : Late Payment Law : FCRA section 611 investigation rights Story : Late payment flagged despite auto-pay confirmation from my bank. This unwarranted negative mark is significantly impacting my credit evaluation. 

XXXX XXXX Issue : Late Payment Law : FCRA dispute rights Story : Disputed with documentation, but no correction made ; this false notation limits my credit options at a critical time of need. 

XXXX XXXX Issue : Late Payment Law : FCRAright to timely corrections Story : Payment posted before due date ; this error has triggered rate hikes and loan denials. 

XXXX XXXX XXXX XXXX Issue : Charge Off Law : FCRA ; Debt Collection Practices Act ( FDCPA ) for collection abuses Story : Procedural error in notification led to wrongful charge-off report during pending dispute. This has amplified my financial hardship unjustly. 

XXXX XXXX XXXX Issue : Collection Law : FCRA & FDCPA, timely dispute resolution Story : Reported as collection despite active dispute. Family hardship resulted from denial of credit due to this alleged balance. 

XXXX XXXX XXXX Issue : Collection, Balance Discrepancy Law : FCRA mandates proper documentation and dispute investigation Story : Balance is not correct per my payment history ; this unchecked error is punishing my credit profile. 

XXXX XXXX Issue : Collection Law : FCRA & FDCPAprompt investigation required Story : Small balance reported as collection without opportunity to cure or explanation. This disproportionately impacts my overall credit. 

XXXX XXXX XXXX Issue : Duplicate Collection Law : FCRA prohibits repeated, unresolved entries Story : Duplicate listing further damages credit by artificially inflating debt load and misrepresenting my financial conduct. 

Inquiry Issues XXXX XXXX XXXXXXXX XX/XX/XXXX Issue : Unfamiliar Inquiry Law : FCRA 15 U.S.C. 1681b ( a ) ( 3 ) Story : No credit application or consent given ; this erodes my trust in data handlers and penalizes my profile. 

XXXX XX/XX/XXXX Issue : Unwarranted Inquiry Law : FCRA protection against unauthorized pulls Story : No relationship with issuer ; I am suffering from lower access to credit and being denied financial tools. 

XXXX XX/XX/XXXX Issue : Unknown Inquiry Law : FCRA, right to notification Story : Inquiry placed with no accompanying credit activity from me ; this is unexplained and harming my credit file.

RELIEF REQUESTED : 1. Immediate investigation and removal of inaccurate addresses 2. Full deletion of inaccurate, duplicated, and unverifiable negative accounts 3. Permanent removal of unauthorized inquiries from my credit reports 4. Written confirmation of all corrective actions taken I respectfully urge the CFPB to hold the involved furnishers and credit bureaus accountable for these repeated violations and ensure that my consumer rights under the law are restored.

Thank you for your assistance.

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