Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
I am filing this CFPB complaint due to multiple inaccurate, unverifiable, and potentially fraudulent entries on my credit report. Despite my previous dispute attempts, the following wrong addresses, false accounts, incorrect inquiries, and unlawful reporting practices remain unresolved. These are in clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am experiencing severe credit harm, including loan denials, interest rate hikes, and reputational damage. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Issue : Wrong address. I have never lived at this location or had any connection to this property.

Law : FCRA 1681e ( b ) requires consumer reporting agencies to assure maximum possible accuracy.

Story : I have never been to this address, never applied for credit or opened any account from there. This likely entered my report through file-mixing or identity confusion. This misinformation is misleading lenders and hurting my credit opportunities. Its continued presence after prior disputes is negligent and harmful. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Completely unfamiliar address. I never resided there.

Law : FCRA 1681i ( a ) requires reinvestigation and deletion of unverifiable information. 
Story : I suspect this address is a result of someone with a similar name or an unauthorized use of my information. This is impacting my housing applications and personal identification history. Please provide original documentation or delete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Invalid address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt be a result of mixed files from another consumer. This causes lenders to question my stability and leads to automatic rejections. 
XXXX XXXX Opened : XX/XX/XXXX Balance : {$230.00} Issue : Late payment inaccurately reported.

Law : FCRA 1681s-2 prohibits furnishing inaccurate or outdated information.

Story : This payment was not late as alleged. The delay was due to a bank processing error which was resolved within the grace period. This wrongful reporting has impacted my credit score and loan eligibility. I request immediate correction or deletion. 
XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$56.00} Issue : Unverified collection account.

Law : FDCPA 809 ( a ) requires debt collectors to provide validation upon request. 
Story : I was never notified of this debt. No letter, call, or validation was sent to me. Reporting a collection without verifying it with me is a direct violation. I need full validation or immediate removal. 
XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$17000.00} Issue : False late payment.

Law : FCRA 1681s-2 ( b ) mandates correction of disputed inaccurate information.

Story : I have documentation showing I made timely payments. The bank 's error caused misreporting. This is harming my chances of getting approved for credit and is hurting my creditworthiness unfairly. 
XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Issue : Incorrect charge-off.

Law : FCRA 1681e ( b ) requires accuracy and verification.

Story : This account was closed in good standing with a {$0.00} balance. No charge-off ever happened. This is a serious reporting error and must be removed. I request detailed records if you claim otherwise. 
XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Issue : Falsely reported as charged-off.

Law : FCRA 1681i ( a ) bureau must investigate disputes within 30 days.

Story : This is duplicate misreporting by XXXX. I never defaulted on this account. I believe this is either intentional over-reporting or systemic error, which continues to damage my financial profile. 
XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1600.00} Issue : Incorrectly charged-off despite dispute and fraud alert. 
Law : FCRA 1681g and 1681s-2 requires full disclosure and correction of errors.

Story : I had placed a fraud alert before this account was charged off. XXXX XXXX failed to validate or provide explanation. This false charge-off continues to affect my ability to obtain housing and credit. I demand full removal. 
XXXX XXXX Date : XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 1681b credit inquiries must be based on permissible purpose. 
Story : I never authorized Upgrade or CRB to pull my credit. This was done without my knowledge or consent. Its causing a negative score impact. Please provide signed authorization or remove the inquiry immediately.

Requested Resolution : 1. Permanent removal of all the above inaccurate addresses.

2. Correction or deletion of the listed accounts with late payments and charge-offs.

3. Removal of the unauthorized hard inquiries listed above.

4. Documentation and evidence from all furnishers and credit bureaus regarding how they verified this data.

5. Full compliance with FCRA timelines and legal responsibilities.

If these items are not resolved promptly, I will be seeking legal assistance and may pursue compensation for damages under FCRA 1681n and 1681o.

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