Consumer complaint received 2025-08-05 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 formal complaint to the Consumer Financial Protection Bureau under the rights granted to me by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My credit report currently contains multiple inaccuracies, unverifiable debts, and unauthorized inquiries that are severely affecting my financial life and peace of mind. Despite repeated disputes, these errors remain unresolved, and I am now escalating this matter for your urgent attention. 
XXXX XXXX XXXX, TX XXXX Issue : This address does not belong to me and is incorrectly associated with my credit file. Law : FCRA Section 611 entitles me to dispute inaccurate or incomplete information. Story : Incorrect address listings mislead creditors and background checkers, potentially causing misattribution of credit behavior or identity confusion. This impacts my credit reliability and could result in wrongful denial of credit or services. Prompt removal is warranted to maintain report integrity. 

XXXX XXXX XXXX, TX XXXX Issue : Misreported address unrelated to my residency. Law : FCRA Section 1681e ( b ) requires maximum possible accuracy of consumer report information by furnishers. Story : This incorrect information reflects negligent reporting and fosters misinformation that jeopardizes my credit evaluation. Such inaccuracies may be grounds for identity misuse or erroneous negative credit implications demanding immediate correction. 

XXXX XXXX XXXX XXXX, TX XXXX Issue : Erroneous address incorrectly linked with my credit report. Law : FCRA Sections 602 ( a ) and 623 mandate furnishers to provide accurate data and correct errors. Story : Inclusion of this wrong address introduces confusion and undermines my ability to qualify for credit or housing. The errors complicate verification processes and must be expunged to comply with legal accuracy standards. 

XXXX  XXXX XXXX Issue : Disputed charge off with a balance of {$310.00} dating from XX/XX/XXXX. Law : FDCPA Sections 809 and 804 require debt validation ; FCRA Section 611 mandates dispute resolution. Story : This charge off is unsubstantiated and inconsistent with my records, severely impacting my credit score and financial standing. I request immediate verification or deletion to prevent unlawful hardship. 

XXXX XXXX XXXX Issue : Questioned late payment entry with a {$190.00} balance since XX/XX/XXXX. Law : FCRA Sections 623 and 611, FDCPA validation requisites. Story : The reported late payment lacks verification and proper notice, undermining my credit score unfairly. Such negative marks must be promptly corrected or removed. 

XXXX XXXX  XXXX XXXX Issue : Unverified charge off of {$2100.00} from XX/XX/XXXX. Law : FDCPA Section 809 and FCRA Section 607 ( b ) protect against inaccurate reporting. Story : No documentation or dispute process was afforded regarding this charge off, violating consumer rights and damaging credit unlawfully. Removal is required unless validated. 

XXXX  XXXX Issue : Late payment for {$920.00} opened XX/XX/XXXX unsubstantiated by proper notice. Law : FCRA Section 623, FDCPA rules mandate accurate reporting and verification. Story : This inaccurate late payment adversely affects my creditworthiness. I demand its correction or removal. 

XXXX XXXX  XXXX Issue : {$800.00} charge off opened XX/XX/XXXX lacking proof. Law : FDCPA and FCRA Section 809 mandate rigorous debt verification. Story : Reporting this charge off without evidence contravenes legal protections and harms my credit unfairly. 

XXXX XXXX XXXX XXXXXXXX Issue : Disputed late payment of {$720.00} from XX/XX/XXXX without validation. Law : FCRA requires accurate, verified reporting. Story : This erroneous late payment compromises my credit profile and must be expunged. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Recent charge off {$50.00} open since XX/XX/XXXX reported without due notice. Law : FDCPA procedures protect against improper collection entries. Story : Lack of notification and validation violates my consumer rights and prejudices my credit record. 

XXXX XXXX  XXXX Issue : {$400.00} charge off from XX/XX/XXXX unverified and outdated. Law : FCRA Section 605 requires removal of unverifiable adverse information. Story : Retaining unverifiable derogatory entries unjustly lowers my credit score and violates federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : {$150.00} charge off from XX/XX/XXXX unvalidated collection entry. Law : FDCPA mandates debt validation before reporting. Story : This entry reflects unfair collection practices lacking evidence, unjustly harming my credit. 

XXXX  XXXX Issue : {$17000.00} charge off opened XX/XX/XXXX without proper notice or validation. Law : FCRA Section 609 protects consumers rights to debt verification. Story : Large unverified charge offs severely degrade credit standing and must be validated or expunged. 

XXXX XXXX  XXXX Issue : Collection of {$130.00} disputed for lacking validation notice. Law : FDCPA debt verification rules. Story : This unsubstantiated collection adversely affects my credit and must be investigated and removed if unverifiable. 

XXXX  inquiry on XX/XX/XXXX Issue : Unapproved credit inquiry without permission. Law : FCRA Section 605 ( a ) prohibits unauthorized credit access. Story : This inquiry constitutes a privacy violation and harms my credit profile, thus must be deleted. 

XXXX inquiry on XX/XX/XXXX Issue : Inquiry conducted without my authorization. Law : FCRA Sections 604 and 605. Story : Unauthorized credit checks erode credit security and must be removed to protect consumer rights. 

XXXX inquiry with incomplete date XXXX/XXXX/XXXX? Issue : Inaccurate and unauthorized inquiry. Law : FCRA Section 611 on reporting accuracy. Story : The incomplete date and absence of proper consent invalidate this entry, requiring deletion. 

In sum, these numerous incorrect address records, disputed charge offs and late payments, unauthorized collections, and illicit credit inquiries represent significant violations of my consumer rights under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and applicable state laws. These inaccuracies inflict ongoing, substantial damage to my creditworthiness and financial reputation. 

Final Note : These errors have caused me repeated emotional distress, financial loss, and embarrassment. Despite contacting the furnishers and credit bureaus, no resolution has occurred. I respectfully request CFPB 's intervention to : XXXX. Fully investigate all inaccurate accounts, addresses, and inquiries. 
XXXX. Compel the furnishers to provide documented proof or delete the items. 
XXXX. Ensure all entities comply with the FCRA and FDCPA. 
XXXX. Provide a written resolution within the legal timeframe. 
Thank you for your time and support in helping protect my consumer rights.

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