Consumer complaint received 2025-10-03 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:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unauthorized, and misleading accounts reporting on my credit report associated with my address at XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX. These accounts are harming my creditworthiness, creating undue stress, and appear to violate multiple consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting immediate investigation and correction of these accounts. 

Address XXXX XXXX XXXX, TX XXXX This address is not mine. It has been falsely attributed to me for years despite multiple disputes. Its inclusion has caused lenders to question my identity and residence history, making it difficult to secure legitimate credit. Misreporting this information violates FCRA Section 609 ( a ) ( 1 ), which mandates accurate identifying information. This incorrect address has led to rejected applications, higher interest rates, and unnecessary stress. I have never lived or received mail there. Its presence on my report is misleading and causes confusion. It undermines my credibility with creditors and service providers. Each time I apply for credit, this address triggers verification delays. Reporting inaccurate addresses breaches the obligation of credit bureaus to maintain accuracy under FCRA Section 607. It negatively affects my consumer rights and financial stability. This error persists despite prior notifications. It must be removed to restore proper credit evaluation. Continued reporting is both harmful and illegal. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhargeoff Date Opened : XX/XX/XXXX Balance Owed : {$820.00} This charge-off is inaccurate and unverifiable. I have never received proper notice of default or verification of this debt, which violates FCRA Section 611 and FDCPA Section 809. Its reporting has led to denied applications, elevated interest rates, and undue stress. This false entry has damaged my reputation and caused financial hardship. It has appeared on multiple reports without correction. I dispute its validity and request immediate removal. The lack of proper verification demonstrates noncompliance with federal law. Each reporting cycle reinforces the false narrative. I have attempted resolution previously with no results. The charge-off is baseless and misleading. Its inclusion reduces my financial opportunities. Accurate reporting is required, and failure to correct constitutes a violation. This inaccurate account misrepresents my true payment behavior. It must be deleted immediately. The ongoing harm to my creditworthiness is substantial. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reporting late payments is false. Under FCRA Section 611 ( a ), I have the right to dispute incomplete or inaccurate data. This entry has negatively impacted my credit evaluation and ability to obtain favorable loans. It creates a misleading payment history that does not reflect my actual conduct. Creditors rely on these records to make decisions. The reporting is unverifiable and illegal under federal law. Each time this account is accessed by lenders, it generates adverse assumptions about my reliability. It has caused unnecessary financial stress. The inaccuracies perpetuate distrust from financial institutions. My previous disputes have not resolved the issue. Accurate reinvestigation is required under FCRA Section 611 ( a ) ( 1 ). Continued reporting of false late payments harms my credit score. The entry is detrimental to my financial reputation. Immediate correction or removal is required. I demand proper verification or deletion to restore accuracy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$0.00} This account incorrectly reports late payments. FCRA Section 609 ( a ) ( 1 ) requires that all furnished information be accurate and verifiable. The false reporting has affected my ability to obtain new credit lines. Misreporting creates a misleading perception of my financial behavior. Creditors have evaluated me based on this incorrect history, resulting in unfair denials and higher rates. The account has been reported in multiple cycles without correction. I dispute this information and request reinvestigation. Each erroneous late payment entry misrepresents my reliability. The stress caused by these errors has been ongoing. Financial opportunities have been delayed. Legal obligations to report accurate information have been ignored. Verification has never been provided. Removal or correction is necessary. The continued reporting is harmful and unlawful. Accurate reporting is required to comply with FCRA. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Payment Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} The reported late payments are inaccurate. Under FCRA Section 611 ( a ) ( 1 ), I am entitled to reinvestigation and verification. This accounts errors have led to increased scrutiny by lenders and adverse financial consequences. The reporting has created false impressions of delinquency. Repeated disputes have not resulted in correction. The entry is misleading, unverifiable, and harmful. Legal obligations under FCRA and FDCPA have not been fulfilled. The account has adversely affected my XXXX XXXX and access to credit. XXXX contributes to ongoing stress and financial instability. Each negative entry is a violation of my rights. I request deletion or correction. This accounts reporting is inconsistent with my payment history. Repeated inaccuracies undermine consumer confidence. Immediate corrective action is required. Failure to act violates federal law and exacerbates financial harm. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$7400.00} False late payments are reported. FCRA Section 609 obligates accurate and verifiable reporting. Misreporting harms my creditworthiness and access to affordable credit. Each erroneous late payment entry increases interest rates on loans. The account continues to be listed inaccurately despite prior disputes. This creates financial stress and reputational damage. Reinvestigation is required under FCRA Section 611. Errors in reporting violate my statutory rights. Creditors have been misled about my reliability. The accounts presence has caused denials of credit applications. Legal requirements to verify and correct information have not been met. The ongoing harm is substantial. I request immediate removal or correction. Failure to correct violates FCRA and FDCPA provisions. This misrepresentation is damaging and unjust. Correction is necessary to restore accurate credit history. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Payment Date Opened : XX/XX/XXXX Balance Owed : {$5600.00} Late payment entries are false. FCRA Section 611 ( a ) requires verification before reporting negative information. This account has caused rejection of credit applications. Misreporting damages my financial reputation. The account has been inaccurately reported repeatedly. Legal requirements for accuracy and verification have been ignored. This entry misleads creditors. Each negative report creates stress and impacts financial opportunities. I have disputed this previously. Reporting continues without verification. The inaccurate reporting violates federal law. I request correction or deletion. Failure to act perpetuates harm. The accounts listing is inaccurate and misleading. Federal law mandates removal of unverifiable information. Immediate corrective action is required. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$620.00} The account inaccurately reports late payments. FCRA Section 609 requires data accuracy. Misreporting affects credit evaluations and loan approvals. Creditors are misled about my payment history. The stress and financial impact have been substantial. Previous disputes have not corrected the record. The account is harmful and unverifiable. Legal obligations have been violated. I request verification or removal. Each erroneous entry increases financial burdens. My creditworthiness is misrepresented. The ongoing presence of this information is unlawful. Immediate corrective action is demanded. Reporting inaccurate data is a violation of FCRA. Removal or correction is necessary to restore accurate credit reporting. 

XXXX XXXX * * * * * * * * * Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$6400.00} This account continues to report false late payments. FCRA Section 611 mandates reinvestigation of disputed items. The reporting misleads creditors and affects my credit score. I have never been notified of verification or provided validation. The inaccuracies cause undue stress and financial loss. Repeated reporting violates federal law. I demand correction or deletion. Misreporting has directly impacted financial opportunities. Legal responsibilities for accuracy are ignored. Negative impact on credit evaluation is ongoing. Correction or removal is required. Each inaccurate entry is harmful and misleading. Immediate action is necessary. Continued reporting constitutes violation of my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$3600.00} The account inaccurately reports late payments. FCRA Section 609 provides my right to challenge false information. Each erroneous entry negatively affects my credit profile. Creditors have been misled regarding my reliability. Reinvestigation has not been completed. The account causes unnecessary stress and financial hardship. Legal obligations to verify have been ignored. I request immediate correction or deletion. Misreporting violates federal law. The impact on my financial standing is severe. Removal or correction is necessary to restore accuracy. The accounts listing is inaccurate, misleading, and harmful. Failure to correct is unlawful. Each report perpetuates harm. Corrective action is required immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} This account falsely reports late payments. FCRA Section 611 mandates verification of disputed items. The inaccuracies negatively impact my creditworthiness. Misreporting misleads lenders and affects loan eligibility. Previous disputes have not been resolved. Each negative entry creates stress and financial harm. Legal obligations under FCRA and FDCPA are ignored. Immediate removal or correction is required. Failure to verify and correct is unlawful. Credit reporting must reflect accurate payment history. The accounts presence damages my financial reputation. Reinvestigation is required. Correction or deletion is necessary. The ongoing harm caused by this account is significant. I demand immediate corrective action. 

XXXX XXXX XXXX XXXXXXXX XXXX  Collection Date Opened : XX/XX/XXXX Balance Owed : {$5200.00} This collection account is inaccurate and unverifiable. FCRA Section 611 and FDCPA Section 809 require verification before reporting. Misreporting has caused denials of credit and increased financial stress. Each erroneous entry misrepresents my obligations. The account has been reported in multiple cycles without correction. Legal duties to verify and accurately report have not been fulfilled. The ongoing reporting negatively affects my credit score. Financial opportunities are lost due to these inaccuracies. The accounts presence is misleading to creditors. I request immediate deletion or correction. Failure to act violates federal law. Misreporting is harmful and unlawful. Each negative entry creates unnecessary hardship. Immediate action is required to restore accuracy and compliance. The account must be removed from my credit report. 

XXXX XXXX XXXX XX/XX/XXXX Unauthorized hard inquiry. FCRA Section 604 ( a ) ( 3 ) requires permissible purpose. I did not authorize this inquiry. It has negatively affected my credit evaluation. Repeated unauthorized inquiries violate my rights. Immediate deletion is required. Reporting without consent causes reputational and financial harm. Creditors rely on accurate inquiry history. Legal obligations under FCRA are ignored. Each unauthorized inquiry misrepresents my financial behavior. I request removal. Stress and financial impact are ongoing. Continued reporting is unlawful. The inquiry must be removed. Verification can not be provided. Removal is required by law. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry in violation of FCRA Section 604 ( a ) ( 3 ). No consent was provided. Impacted credit evaluation negatively. Misreporting violates federal law. Immediate deletion requested. Financial harm occurs due to false inquiries. Creditors are misled. Previous disputes ignored. The ongoing presence of this inquiry is harmful. Legal verification can not be shown. I demand removal. Continued reporting is unlawful. Stress and lost opportunities persist. Accuracy must be restored. Immediate corrective action required. 

XXXX XXXX XX/XX/XXXX Unauthorized hard inquiry. FCRA Section 604 ( a ) ( 3 ) violated. No permission was granted. Misreporting negatively impacts creditworthiness. Creditors have been misled. Reinvestigation has not occurred. I request deletion. Failure to act is a violation of law. Financial and reputational harm continues. Repeated reporting is harmful. Legal obligations ignored. Stress and loss of financial opportunities persist. Immediate corrective action is required. Verification can not be provided. Removal is necessary. Compliance with FCRA is mandatory. 

XXXX XX/XX/XXXX Unauthorized inquiry. FCRA Section 604 ( a ) ( 3 ) requires permissible purpose. I did not authorize this inquiry. Impacted credit evaluations. Legal obligations ignored. Stress and financial harm result. Reinvestigation required. Request deletion. Misreporting is unlawful. Continued presence is harmful. Creditors misled. Previous disputes unresolved. Immediate corrective action required. Verification impossible. Removal required by law. Negative impact persists. Compliance with federal law necessary. 

XXXX XX/XX/XXXX Unauthorized hard inquiry. FCRA Section 604 ( a ) ( 3 ) violated. No consent provided. Misreporting affects creditworthiness. Stress and financial harm continue. Reinvestigation requested. Removal required. Legal obligations unmet. Creditors misled. Prior disputes unresolved. Impact on credit evaluation severe. Reporting is unlawful. Immediate action required. Verification can not be shown. Compliance mandatory. Removal necessary. Financial opportunities impaired. 

XXXX XXXX  XX/XX/XXXX Unauthorized inquiry. FCRA Section 604 ( a ) ( 3 ) applies. No permission given. Credit evaluation negatively impacted. Legal violation. Misreporting continues. Stress and financial harm present. Reinvestigation requested. Removal necessary. Creditors misled. Prior disputes ignored. Impact ongoing. Reporting unlawful. Immediate action required. Verification unavailable. Compliance required. Removal mandatory. 

XXXX XX/XX/XXXX Unauthorized hard inquiry. FCRA Section 604 ( a ) ( 3 ) violated. No consent granted. Misreporting harms credit evaluation. Legal obligations ignored. Stress and financial harm ongoing. Reinvestigation required. Immediate deletion requested. Creditors misled. Prior disputes unresolved. Impact on financial opportunities continues. Reporting unlawful. Immediate corrective action necessary. Verification impossible. Removal required. Compliance with FCRA necessary. Harm continues. 

XXXX XXXX XX/XX/XXXX Unauthorized inquiry. FCRA Section 604 ( a ) ( 3 ) applies. No authorization provided. Reporting negatively impacts credit evaluation. Legal obligations ignored. Stress and financial harm present. Reinvestigation requested. Removal mandatory. Creditors misled. Prior disputes unresolved. Impact ongoing. Reporting unlawful. Immediate action required. Verification unavailable. Compliance required. Removal necessary. Financial opportunities affected. 

All accounts listed above are inaccurate, unauthorized, or improperly reported, violating multiple consumer protection laws including FCRA accuracy and dispute requirements, as well as FDCPA prohibitions on unfair or deceptive collection practices. The cumulative effect of these accounts is materially damaging my creditworthiness. I request CFPB enforcement and monitoring to ensure these items are fully reinvestigated, corrected, or deleted as appropriate and to prevent any future inaccurate reporting by these creditors. Immediate CFPB attention and action are necessary to resolve these violations and restore 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