Consumer complaint received 2025-08-01 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:
Dear Consumer Financial Protection Bureau, I am writing to file an official complaint regarding numerous inaccurate, unauthorized, and potentially fraudulent entries on my credit reports with the major credit bureaus ( XXXX XXXX, TransUnion ). These errors have caused serious damage to my credit score, reputation, and ability to secure housing, transportation, and credit. I have disputed these items directly with the credit reporting agencies and the furnishers but have not received proper resolution, investigation, or removal. 
Below, I provide a list of wrong addresses, unauthorized hard inquiries, charge-offs, collections, and late payments that do not belong to me or have been reported inaccurately. I believe this is a combination of identity theft, file merging, and violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX Issue : Wrong Address Law : FCRA 1681c-2 Story : I have never lived, worked, or received mail at this location. The presence of this address raises serious concerns of a mixed credit file or possible synthetic identity misuse. Due to this error, I have been flagged for fraud in a rental application, leading to the rejection of affordable housing which left me temporarily homeless and extremely distressed. This address must be removed immediately. 
XXXX XXXX XXXX XXXX, TX XXXX Issue : Wrong Address Law : FCRA 1681i Story : I have no ties to this property. I have never resided or had any business conducted from here. The inclusion of this address is not only misleading but has caused suspicion in financial screenings. Its unfair and potentially unlawful, and I believe its contributing to credit misreporting by other creditors as well. 
XXXX XXXX XXXX High Balance : {$150.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA 1681s-2 ( b ) Story : I never opened this account. The account was added to my credit file without my knowledge or permission. I had never received any bills, emails, or verification before seeing it listed as a charge-off. This has led to a drastic credit score drop, and Ive been denied both utilities and an auto loan as a result. I believe this is identity theft and demand immediate deletion. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX * High Balance : {$0.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FDCPA 809 Story : I have never made a purchase or had a line of credit with this company. This false account is impacting my credit file unfairly. This entry has caused humiliation when applying for employment where a credit check was performed, and I was turned down. 
XXXX XXXX XXXX High Balance : {$490.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681i Story : This late payment was the result of a short-term layoff due to a company-wide downsizing during the pandemic recovery period. I communicated with the creditor, requested hardship relief, and made payments thereafter. Yet, the late mark remains and has been devastating for my personal loan applications. Its unfair and misrepresents my financial discipline. 
XXXX XXXX XXXX High Balance : {$500.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 Story : During this time I was dealing with a medical emergency in my family, which consumed all my savings and caused temporary hardship. I resumed payments and the account remained in use, but the late payments continue to be reported. These entries have blocked me from refinancing my student loans. I request reconsideration and removal. 
XXXX XXXX XXXX XXXX * High Balance : {$50.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FDCPA 807 Story : This small-dollar loan was initiated without full clarity of terms. When I attempted to clarify repayment terms, I received no support or billing. The charge-off was sudden and unfair. I am disputing its validity due to the misleading practices of the lender. 
XXXX XXXX XXXX XXXX High Balance : {$17000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA XXXX Story : These late payments occurred while I was hospitalized for a serious injury. I provided medical records and even reached out to XXXX XXXX for deferment. Instead of assisting, they continued reporting delinquencies, causing my credit to plummet. 
XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$30000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 ( a ) Story : I requested and received a temporary payment pause due to job transition. Despite this, the account shows late payments. This contradiction has directly led to increased insurance rates and denial of a rental application. 
XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$400.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA 1681i Story : I was never contacted by this lender and never received any notification. The account was never validated or confirmed with me. I fear this may be fraud. 
XXXX XXXXXXXX High Balance : {$190.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FDCPA XXXX Story : I do not recall applying for or receiving this service. The charge-off status came without warning, and now Im left with a derogatory mark on my report that I can not verify. 
XXXX XXXXXXXX High Balance : {$280.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA 1681e ( b ) Story : Duplicate reporting from this company is unfair. I was unaware of this secondary entry and have been denied lines of credit due to high charge-off count. 
XXXX XXXX High Balance : {$730.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA 1681s-2 Story : I was in a financial assistance program and the payments were made, but not reflected correctly. The charge-off is inaccurate and misleading to future lenders. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$2100.00} Date Opened : XX/XX/XXXX Issue : Collection Law : FDCPA 807 Story : This debt was never validated with me. I was blindsided when I saw it on my credit. I reached out with no response. Its presence continues to delay major life goals like homeownership. 
XXXX XXXX XXXX XXXX * High Balance : {$630.00} Date Opened : XX/XX/XXXX Issue : Collection Law : FDCPA 809 Story : I disputed this debt over a year ago. I never received any proof, and the company continued reporting. This is clear violation of the FDCPA. 
XXXX XXXXXXXX High Balance : {$640.00} Date Opened : XX/XX/XXXX Issue : Collection Law : FDCPA 808 Story : I never signed any agreement with this entity. This entry appeared without contact and negatively affected my approval for a car lease. 
XXXX XXXX XXXX High Balance : {$150.00} Date Opened : XX/XX/XXXX Issue : Duplicate Collection Law : FCRA 1681e ( b ) Story : This is clearly the same debt listed three times. It misleads creditors and makes me appear extremely delinquent. This must be addressed now. 
XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Inquiry Law : XXXX XXXXXXXX Story : I did not authorize this pull. It is damaging my report and raising questions with lenders who view this as shopping behavior. 
XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA XXXX Story : This was done without my consent. I never applied or even contacted this lender. I demand removal. 
How This Has Affected Me Personally : Due to these inaccurate and unauthorized entries : I have been denied rental housing and auto loans My auto insurance premiums increased I was denied employment due to a poor credit report I am suffering from severe stress, anxiety, and embarrassment I am unable to rebuild my credit despite taking responsible steps I have reached out to credit bureaus and furnishers but have received vague responses, no thorough investigations, and no meaningful resolutions. Many items remain on my credit file despite being unauthorized, fraudulent, duplicate, or disputed properly. 
What I Am Requesting from the CFPB : Full investigation into all of the items above Direction to the credit bureaus to delete or correct these entries Enforcement of my rights under FCRA and FDCPA Review of any creditor/furnisher who has violated federal law Ensure consumer protection practices are followed in my case Please assist me in holding the credit bureaus and furnishers accountable and ensuring the accuracy, fairness, and security of my credit file.

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