Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint regarding inaccurate, unverified, and harmful information reported on my credit file by [ Insert name of Credit Bureau XXXX XXXX XXXX XXXX XXXX TransUnion ] and certain data furnishers. These reporting errors are causing me emotional distress, job and loan denials, and financial harm. Despite my efforts to dispute these errors, they remain unresolved and continue to damage my credit standing in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late payment Law : FCRA XXXX ( b ) accuracy requirement Story : I was hospitalized during the time this payment was missed, and I communicated with the creditor about the situation. Instead of support, I was penalized and now this mark is sabotaging my credit. Ive worked hard to stay current, and this one eventduring a medical crisisis being held against me without context. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge off Law : FCRA XXXX ( b ), FDCPA XXXX Story : I disputed charges on this account after being charged for fraudulent purchases, but instead of investigating, they closed and charged it off. I was treated unfairly. This wasnt my fault, yet XXXX being punished. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXssue : Charge off Law : FCRA XXXX ( a ) ( XXXX ) Story : I never received any communication or notice before this account was charged off. When I called the institution, they said the account no longer existed. How can I dispute something that no one even has record of anymore? 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXssue : Charge off Law : FCRA XXXX ( b ) Story : I was unemployed during COVID and applied for hardship assistance but never heard back. Instead, they charged it off. I feel completely ignored and abandoned in a time of global crisis, and now this is haunting my credit. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Charge off Law : FDCPA XXXX ( XXXX ) Story : This account was closed while in dispute. They claimed non-payment, but never responded to my mailed dispute. I even sent certified letters. Its like my rights were completely ignored. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXsue : Charge off Law : FCRA XXXX Story : The balance they report isnt even correct. I paid part of it and never got any acknowledgement. They went ahead and charged it off. This negligence has made me lose access to emergency loans. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXue : Collection Law : FDCPA XXXX Story : This account has appeared out of nowhere. I am constantly worried someone stole my identity or they mixed me up with another consumer. I cant get approved for a credit card now. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXsue : Duplicate and invalid Law : FCRA XXXX XXXX : This debt appears multiple times in different forms. It is confusing, misleading, and damages my XXXX XXXX more than it should. I feel like XXXX being penalized twice for the same alleged balance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXsue : Collection Law : FCRA XXXX, FDCPA XXXX Story : They never contacted me. I only found out when I got denied for a home loan. This is cruel and completely avoidable. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : Duplicate Law : FCRA XXXX Story : This is the same debt listed twice under different numbers. I have to answer embarrassing questions in financial meetings because of this. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe : Duplicate Law : FCRA XXXX Story : Repetition of the same debt inflates the damage. Its like being punished twice for the same event. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXssue : Unverified collection Law : FDCPA XXXX Story : I called their XXXX XXXX answered. No emails, no letters. Just a collection destroying my credit silently. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : New collection without notice Law : FCRA XXXX Story : This just popped up on my report recently, and I have XXXX knowledge of the account. How does something appear without my consent or signatuXXXX XXXX XXXXXXXX * * * * Issue : Charge off Law : FCRA XXXX Story : I tried to settle this account, but no one responded. They charged it off and stopped talking to me. Now XXXX stuck with this XXXX mark for 7 years. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXsue : Charge off Law : FDCPA XXXX Story : I attempted XXXX payments that bounced back. No one corrected the errors. I was trying to make good on my debts, but the system worked against me. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXsue : Unfamiliar debt Law : FCRA XXXX Story : I never owned a XXXX account XXXX I fear this is identity theft or clerical error. I demand proof or immediate removal. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge off Law : FCRA XXXX Story : I reached out to them XXXX had no clue what I was talking about. Yet its still here, damaging my credit. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  * Issue : Charge off Law : FDCPA XXXX Story : I resolved this months ago. Why does it remain as if I never paid? This is misleading. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Charge off Law : FCRA XXXX Story : I completed this credit builder account and was proud. Now it looks like I defaulted. This is insulting. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  False charge off Law : FDCPA XXXX Story : I canceled this properly. They promised I owed nothing. Then they reported a balance. I feel betrayed. 
XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX Issue : Unauthorized pull Law : FCRA XXXX Story : I never applied for student aid recently. Why did they pull my report? 
XXXX XXXX on XX/XX/XXXX Issue : Unwanted hard inquiry Law : FCRA XXXX Story : Never applied, never consented. My credit dropped because of this. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Inquiry without application Law : FCRA XXXX Story : I want this removed. I didnt authorize this lender. 
XXXX XXXX on XX/XX/XXXX Issue : Hard pull without consent Law : FCRA XXXX Story : No account opened, no consent given. This is damaging and wrong. 
XXXX Requested : XXXX removal of all inaccurate, unverifiable, or duplicate accounts and inquiries. 
Documentation from furnishers validating the reported items. 
XXXX review of the credit bureaus reinvestigation process. 
Enforcement action if violations are found. 
Impact on Me : Because of these errors, I have been denied credit, faced higher interest rates, and even lost housing opportunities. These mistakes are not only financially damaging but emotionally devastating. I have made every effort to resolve this directly with the bureaus and furnishers to no avail.

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