Consumer complaint received 2025-08-15 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:
To Whom It May Concern, I am submitting this complaint regarding multiple inaccurate, misleading, and unauthorized entries on my credit report, which have caused significant financial harm, emotional distress, and obstacles in obtaining credit. These entries are in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request immediate investigation, correction, or deletion of the disputed items listed below. 
Address Disputes : XXXX XXXX, XXXX, TX XXXX Issue : Wrong address reported on my credit file that has never been associated with me.

Law : FCRA 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information.

Story : This incorrect address has caused confusion in my credit verification processes, leading to declined applications and unnecessary investigations. I have never resided or conducted any financial transactions linked to this location. The reporting of this incorrect address reflects negligence and disregard for my rights under federal law and must be corrected immediately to prevent further credit harm. 
XXXX XXXX, XXXX, TX XXXX Issue : Wrong address on file. 
Law : FCRA 1681i mandates reinvestigation of disputed information within 30 days.

Story : Despite never living or maintaining accounts at this address, it appears across multiple reports. This misreporting has affected lenders confidence in verifying my identity, causing unnecessary delays and denials in critical financial opportunities. 
Account Disputes : XXXX XXXX XXXX  XXXX High Balance : {$6900.00} Date Opened : XX/XX/XXXX Issue : Late Payment reported inaccurately. 
Law : FCRA 1681s-2 ( b ) requires furnishers to report only complete and accurate payment history.

Story : The reported late payment is incorrect ; all my payments were made timely as per account statements. This misreporting has negatively affected my credit score and lending potential. Continuous reporting of this false late payment violates federal law and must be corrected immediately. 
XXXX  XXXX XXXX XXXX High Balance : {$8700.00} Date Opened : XX/XX/XXXX Issue : Charge Off inaccurately reported. 
Law : FCRA 1681s-2 ( b ).

Story : I have settled this account as agreed, yet it appears as a charge-off, causing severe credit impairment. Reporting this as a charge-off is a blatant violation of my rights under the FCRA and misleads potential lenders. 
XXXX  XXXX XXXX XXXX High Balance : {$5900.00} Date Opened : XX/XX/XXXX Issue : Charge Off inaccurately reported. 
Law : FCRA 1681s-2 ( b ).

Story : This account was in good standing at the time of reporting, yet it is falsely marked as a charge-off. The false reporting has caused financial and reputational harm. Correcting this is legally required. 
XXXX  XXXX XXXX XXXX High Balance : {$34000.00} Date Opened : XX/XX/XXXX Issue : Charge Off inaccurately reported. 
Law : FCRA 1681s-2 ( b ).

Story : Payments were made as scheduled, and the account was never defaulted. The wrongful charge-off reporting misleads creditors and demonstrates failure to comply with federal reporting obligations. 
XXXX XXXX High Balance : {$3500.00} Date Opened : XX/XX/XXXX Issue : Charge Off reported incorrectly. 
Law : FCRA 1681s-2 ( b ).

Story : This account was current and in good standing. The erroneous charge-off reporting is damaging my creditworthiness and exposing me to unnecessary financial scrutiny. 
XXXX  XXXX XXXX XXXX High Balance : {$12000.00} Date Opened : XX/XX/XXXX Issue : Charge Off inaccurately reported. 
Law : FCRA 1681s-2 ( b ).

Story : This account has been misrepresented as a charge-off despite regular payments. The incorrect reporting is detrimental to my credit reputation and violates federal law. 
XXXX XXXX XXXX High Balance : {$22000.00} Date Opened : XX/XX/XXXX Issue : Charge Off inaccurately reported. 
Law : FCRA 1681s-2 ( b ).

Story : My account was in compliance with all payment obligations. This false reporting is misleading to lenders and a direct violation of the FCRA, causing financial harm. 
XXXX XXXX XXXX High Balance : {$54000.00} Date Opened : XX/XX/XXXX Issue : Charge Off inaccurately reported. 
Law : FCRA 1681s-2 ( b ).

Story : I have consistently met payment requirements; reporting this as a charge-off is entirely false and damaging, requiring immediate correction. 
XXXX XXXX XXXX High Balance : {$18000.00} Date Opened : XX/XX/XXXX Issue : Charge Off inaccurately reported. 
Law : FCRA 1681s-2 ( b ).

Story : The account is current and properly maintained. Misreporting as a charge-off misleads lenders, damages my credit, and constitutes violation of my rights under federal law. 
XXXX Account # XXXXXXXX XXXX Issue : Collection reported inaccurately with a high balance of {$5900.00}, opened XX/XX/XXXX. 
Law : FCRA 1681i ( a ) and 1681s-2 ( b ) Story : This account is being reported as a collection without any proof of its legitimacy. I have no record of this debt and was never provided with verification. Its inclusion is causing me to be misjudged for financial credibility, with several lenders denying applications due to this erroneous reporting. It is not only a violation of my rights but is actively harming my financial life and peace of mind. Immediate correction is required. 
XXXX XXXX Account # XXXX XXXX Issue : Collection reported incorrectly, {$320.00}, opened XX/XX/XXXX. 
Law : FDCPA 1692e ; FCRA 1681i ( a ) Story : I have repeatedly attempted to validate this alleged debt but have received no verification. Reporting this as a collection without validation is deceptive and misleading. The presence of this account suggests irresponsibility, which is entirely inaccurate. It has caused me distress, sleepless nights, and uncertainty about my financial future. 
XXXX XXXX Account # XXXX XXXX Issue : Collection reported incorrectly, {$150.00}, opened XX/XX/XXXX. 
Law : FCRA 1681i ( a ) ( 1 ) and 1681e ( b ) Story : This small but significant account has been falsely attributed to me. I have never received notices, validation, or acknowledgment of this debt. Its presence on my credit report is tarnishing my credit history and limiting my access to basic financial products. Immediate verification or removal is essential. 
XXXX XXXX Account # XXXX Issue : Collection reported incorrectly, {$380.00}, opened XX/XX/XXXX. 
Law : FDCPA 809 ; FCRA 1681s-2 ( b ) Story : Despite multiple requests for debt verification, I have received no documentation confirming that I am responsible for this debt. Reporting this collection without validation is misleading, harmful, and in violation of federal law. This account has caused unnecessary financial anxiety, affected my creditworthiness, and hindered my ability to make essential purchases. 
XXXX XXXX XXXX Account # XXXX Issue : Collection reported incorrectly, {$2400.00}, opened XX/XX/XXXX. 
Law : FCRA 1681s-2 ( b ) ; FDCPA 809 Story : This account is being reported as valid without proper documentation or verification. It has caused me emotional distress, financial instability, and has directly impacted my ability to secure loans for necessary expenses. This reporting is false and misleading, and I demand its immediate removal until legitimate verification can be provided. 
XXXX Inquiry XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 604 ( a ) ( 3 ) Story : I did not authorize this inquiry, and it falsely signals risk to lenders. Immediate investigation and deletion are required. 
XXXX Inquiry XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 604 ( a ) ( 3 ) Story : This inquiry is falsely representing my financial activity. I demand its deletion.

These inaccuracies have caused tangible harm to my financial life, including denied credit applications, increased interest rates, and emotional distress. I request that the credit reporting agencies conduct a thorough investigation, verify all accounts, and permanently delete any unverified, inaccurate, or unauthorized information. Failure to comply with these laws will result in further formal complaints and potential legal action to enforce my rights under FCRA and FDCPA.

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