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:
To Whom It May Concern, I am writing to formally dispute multiple inaccuracies, unfair reporting, and unauthorized hard inquiries on my credit report which have caused me severe financial harm, emotional distress, and wasted time. I request immediate investigation and correction of the following items. 
XXXXXXXX XXXX XXXXXXXX, TX XXXX This address is incorrectly reported. I have never resided at this location. Its appearance on my credit file has led to identity confusion, misdirected communications, and potential fraudulent activity. I have received collection notices and account statements addressed here, forcing me to spend countless hours clarifying that this does not belong to me. The repeated failure to correct this is extremely frustrating, causes stress, and violates FCRA Sections 607 ( b ) and 611 ( a ) which require maximum possible accuracy in reporting disputed information. The misreporting here directly risks my personal security and has created unnecessary anxiety every time my credit report is reviewed by potential lenders. 
XXXX XXXX XXXX, TX XXXX Wrong address. I never lived here and yet it appears on my credit report. This false entry creates a misleading residency history, causes confusion with creditors, and exposes me to potential identity theft risks. I have had to repeatedly contact credit bureaus and creditors to correct this, wasting significant time and effort. Reporting inaccurate addresses violates FCRA Section 623 ( a ) ( 1 ) and reflects negligence by the furnishing agencies. The emotional toll and constant monitoring required due to this incorrect reporting is unacceptable. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$570.00} Charge Off. This account is inaccurately reported as a charge off despite my efforts to resolve and verify the account status. Being falsely labeled as a charge off has caused higher interest rates, denial of credit applications, and significant stress. According to FCRA Sections 607 ( b ) and 623 ( a ) ( 8 ), furnishers must report accurate account information. The emotional and financial burden of this incorrect reporting is severe, including lost opportunities for credit and damage to my reputation with potential lenders. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX. Reporting a XXXX balance account as a charge off is misleading and inaccurate. It falsely portrays financial irresponsibility and affects my creditworthiness. This error has forced me to spend considerable time disputing and verifying the account, causing anxiety and stress. Under FCRA Section 623 ( a ) ( 8 ), this constitutes a violation of federal law and must be corrected immediately. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} Charge Off. Despite multiple attempts to correct this reporting, the account remains falsely marked as charged off. This has affected my ability to secure loans, caused emotional distress, wasted time, and forced me to repeatedly provide documentation to dispute the account. Reporting inaccurate information violates FCRA Sections 602, 607 ( b ), and 623 ( a ) ( 1 ), and may constitute willful negligence under Section 1681n, giving me legal grounds for action. The stress, time lost, and financial consequences are ongoing and unacceptable. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} Late Payment. Duplicate late payment entries misrepresent my payment history, causing false impressions of financial irresponsibility. These errors have resulted in higher interest rates, rejection of credit applications, and continuous stress. FCRA Section XXXX ( b ) mandates accurate reporting, and the duplicates clearly violate federal law. The repeated disputes and monitoring of these errors have been emotionally draining. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX. This late payment is inaccurately reported despite timely payments. Repeated reporting of this error has caused financial stress, confusion, and unnecessary anxiety over my creditworthiness. The continued misreporting violates FCRA Sections 607 ( b ) and 611 ( a ) and affects my daily life and financial opportunities. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$170.00} Collection. Duplicate entry of the same account is inaccurately reported. Reporting duplicates misrepresents my financial history and violates FCRA Sections 602 ( a ) and 607 ( b ). The duplication increases my financial stress, creates confusion with creditors, and unnecessarily damages my credit score. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$770.00} XXXX. This account has been erroneously reported as in collection. It affects my ability to obtain loans, causes stress due to potential harassment from collection agencies, and misrepresents my financial responsibility. This false reporting violates FCRA Sections 607 ( b ) and 611 ( a ) and FDCPA Section 809 ( b ). Immediate correction is demanded. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX Balance Owed : {$550.00} Collection. The account is reported in collection inaccurately. Despite multiple disputes and documentation proving the inaccuracy, the reporting persists. This has caused undue financial stress, emotional distress, and lost opportunities for credit. FCRA Sections 602, 607 ( b ), 611, 623, and FDCPA Section 809 ( b ) are being violated through this continued inaccurate reporting. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$430.00} XXXX. This duplicate account has been reported incorrectly in collection. Misreporting duplicates misleads lenders and negatively affects my creditworthiness. The emotional toll, stress of repeated disputes, and potential financial consequences are severe. This is a direct violation of FCRA Sections 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ). 
XXXX XXXX XX/XX/year> XXXX. This hard inquiry is either unauthorized or inaccurately recorded. Unauthorized inquiries can negatively impact credit scores and violate FCRA Section 604 ( a ). I request verification of this inquiry and immediate removal if it can not be substantiated. The presence of unauthorized inquiries has caused unnecessary concern and potential damage to my credit profile. 
XXXX XXXX XXXXXX/XX/year> XXXX. This inquiry is disputed due to lack of authorization or inaccurate reporting. Under FCRA Section 604 ( a ), only authorized inquiries are permitted. Incorrect or unauthorized inquiries misrepresent my credit activity and affect my creditworthiness, causing unnecessary stress and potential financial loss. 
XXXX XXXX XXXXXX/XX/year> XXXX. Unauthorized or inaccurately reported inquiry. The presence of this inquiry without my consent or verification violates FCRA Section 604 ( a ) and creates undue stress and possible financial consequences due to a temporarily reduced credit score. 
These inaccuracies, duplicate accounts, and unauthorized inquiries constitute clear violations of federal law, including FCRA Sections 602, 604, 607, 609, 611, 623, and FDCPA Section 809. The repeated failure to correct these issues has caused severe emotional distress, financial loss, wasted time, and potential denial of credit. I demand that all erroneous information be investigated, verified, and permanently corrected or removed immediately. I expect written confirmation of the results of this investigation within the legally mandated timeframe. Failure to comply may compel me to pursue legal remedies for damages, emotional distress, and willful non-compliance.

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