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:
b"To Whom It May Concern,\nI 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 attentionXXXX XXXX XXXX XXXX  TX XXXX\nIssue: This address is incorrectly listed under my profile. I have never resided or conducted any financial activity connected with this location. This erroneous information compromises the accuracy of my credit profile and may mislead lenders regarding my residency stability and creditworthiness.\nLegal Aspect: Under the Fair Credit Reporting Act (FCRA), I have the right to dispute any information that is incomplete or inaccurate. Reporting incorrect addresses is a violation of Section 611, which requires credit bureaus to ensure maximum possible accuracy.\nStory: My credit report reflects this as a current or previous address, which has caused confusion with lenders and potential denial of credit. I request immediate verification and removal of this incorrect address to prevent further harm to my credit identityXXXX XXXX XXXX TX XXXX\nIssue: This address is also inaccurately assigned to me without any authorization, residence, or account association.\nLegal Aspect: FCRA mandates that credit reporting agencies take reasonable steps to verify disputed information and correct or delete it if it cannot be verified.\nStory: Misrepresentation of residence can lead to wrongful credit decisions and issues in background checks. This discrepancy falsely impacts my credit rating and should be rectified without delay.\n\nAccount Issues and Legal Concerns\n\XXXX XXXXnHigh Balance: XXXX  Date Opened: XXXX\nIssue: Late payments reported inaccurately or without proper notification from the creditor.\nLegal Aspect: FCRA requires that any negative information must be fully substantiated and accurately reported. Unverified late payments violate Section 623 of the FCRA which governs creditor reporting duties.\nStory: My records reflect prompt payments and no notice of delinquencies was ever received. Such inaccuracies unjustly damage my credit score and access to finance.\n\nXXXX XXXX XXXXnHigh Balance: $XXXX  Date Opened: XXXXnIssue: Account is reported as Charge Off incorrectly; I have made arrangements with the creditor which are not reflected.\nLegal Aspect: Charge-offs must be validated and communicated according to FDCPA. Failure to account for payments or arrangements constitutes misreporting.\nStory: Creditor confirmed payment plans and no default. The classification as charge off is misleading and harmful, warranting immediate correction.XXXX XXXX XXXXnHigh Balance: XXXX  Date Opened: XXXXnIssue: Incorrectly reported late payments affecting my credit rating.\nLegal Aspect: FCRA entitles consumers to have inaccurate information corrected, particularly when late payment claims cannot be substantiated.\nStory: Bank statements and payment history prove timely payments. I demand full removal of erroneous late payment listings.\XXXX XXXX XXXXHigh Balance: $XXXX  Date Opened: XXXXnIssue: Late payment report without proper validation.\nLegal Aspect: Creditors must provide evidence of delinquency upon dispute, and failure to do so violates FCRA obligations.\nStory: I have consistently made payments as agreed; thus this late payment notation is unfair and unfounded.XXXX XXXXnHigh Balance: $XXXX  Date Opened: XXXXnIssue: Late payments reported without documentation.\nLegal Aspect: FCRA guarantees removal of inaccurate negative entries and requires complete proof of reported delinquencies.\nStory: Payment history does not align with this data; hence correction and expungement are necessary.\XXXX XXXX XXXX\nHigh Balance: XXXX  Date Opened: XXXX\nIssue: Charge off inaccurately reported; account was active with current payments.\nLegal Aspect: FDCPA requires debt collectors and credit agencies to report accurate and timely information; failure to do so is actionable.\nStory: Active payment status confirmed with lender; inaccurate charge off status is damaging and must be rectified.\n\XXXX XXXX XXXX XXXXnHigh Balance: $XXXX  Date Opened: XXXXIssue: Charge off notation that contradicts payment records.\nLegal Aspect: FCRA mandates validation of charge off procedures upon dispute, ensuring fair treatment.\nStory: Payments duly made; no defaults occurred. I request verification and removal of this wrongful charge off.\XXXX XXXXnHigh Balance: XXXX Date Opened: XXXX\nIssue: Charge off listed inaccurately; account status disputed.\nLegal Aspect: Misreporting impacts consumer's creditworthiness negatively and must be corrected as per FCRA dispute provisions.\nStory: Account was current to last communication. Erroneous charge off status unfairly affects credit profile.\XXXX XXXX XXXX\nHigh Balance: $XXXX  Date Opened: XXXXnIssue: Collection report is inaccurate or unverifiable.\nLegal Aspect: Reporting agencies must validate collections upon dispute to ensure fair reporting.\nStory: Dispute filed previously; no response received. Request full investigation and correction.\XXXX XXXXHigh Balance: $XXXX  Date Opened: XXXX\nIssue: Premature collection or reporting error.\nLegal Aspect: Premature or inaccurate reporting undermines consumer rights under FCRA.\nStory: Account status does not justify collection; requires reevaluation and correction.XXXX XXXXnHigh Balance: XXXX Date Opened: XXXXnIssue: Collection account balance disputed and unverified.\nLegal Aspect: Validation of debt required before collection reporting under FDCPA.\nStory: No verification provided. Request removal pending investigation.\n\nCredit Inquiries and Concerns\n\XXXX XXXX\nIssue: Unauthorized inquiry.\nLegal Aspect: Only authorized inquiries are permissible; unauthorized ones violate FCRA.\nStory: I did not authorize this inquiry. Request removal.\XXXX XXXX XXXXnIssue: Credit inquiry without consent.\nLegal Aspect: Must be removed.\nStory: I dispute authorization.\n\nFinal Note:\nThese 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:\n1.\tFully investigate all inaccurate accounts, addresses, and inquiries.\n2.\tCompel the furnishers to provide documented proof or delete the items.\n3.\tEnsure all entities comply with the FCRA and FDCPA.\n4.\tProvide a written resolution within the legal timeframe.\nThank 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