Consumer complaint received 2025-09-24 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, I am submitting this formal complaint under the authority of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Billing Act ( FCBA ). My consumer rights have been violated by the following credit bureaus, data furnishers, and creditors, who have reported inaccurate, unverifiable, and unfair information on my credit report. These actions have caused severe harm to my financial reputation, access to credit, and emotional well-being. I demand that CFPB investigate and enforce compliance with federal consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address does not belong to me and I have never lived here. I have never signed any lease, mortgage, or utility bills connected to this location. Attaching this wrong address to my file confuses lenders, creates the impression of instability, and falsely ties me to a place I have no association with. Wrong addresses often cause mixed file errors, where another consumers information is combined with mine. This is harmful, negligent, and violates FCRA 607 ( b ) which requires accuracy XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address I have never lived at this property, nor do I have family, friends, or financial connections tied to it. This address being reported suggests residency that is completely false. Because of this inaccuracy, lenders XXXX assume I have multiple residences or potential undisclosed obligations, which negatively affects lending decisions. This wrong address increases my exposure to identity theft and makes me appear financially unstable, which is materially damaging XXXXXXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$550.00} Charge Off This charge-off is inaccurate and extremely damaging. The balance, history, and status being reported are inconsistent with my actual records. XXXX XXXX  has not provided proper validation to confirm this charge-off. Because of this, my credit score has dropped significantly, making it impossible for me to qualify for decent housing, reasonable credit cards, or loans. The FDCPA and FCRA require all negative items to be verified with complete evidence, and if not, they must be deleted. The ongoing presence of this unverifiable charge-off is unlawful and harmful XXXXXXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX High Credit {$370.00} Charge Off This charge-off reporting is inaccurate, incomplete, and unverifiable. I do not believe the account history being shown is correct. The reporting damages me in multiple ways, including job applications where employers review my credit, loan denials, and higher insurance premiums. Under FCRA 609 and 611, I have the right to demand proof. Since this has not been properly validated, the account should be deleted in full. Keeping this on my file is reckless and unfair XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX High Credit {$550.00} Charge Off XXXX XXXX  is marketed as a credit-builder program, not a credit-destroyer. Yet, instead of helping me, they are reporting a charge-off that is harming my entire credit file. This is misleading because consumers trust XXXX XXXX to improve their credit. Reporting this negative item not only damages me but also violates the trust consumers place in their services. The charge-off is not properly validated, and it misrepresents my history. Under the FCRA and FDCPA, unverifiable and misleading reporting must be deleted immediately XXXX  XXXX XXXX Open Date XX/XX/XXXX High Credit {$500.00} Charge Off This account is reported as a charge-off but it is not being presented accurately. The balance, payment history, and timeline are incomplete and inconsistent. XXXX XXXX has a history of reporting errors, and in my case, this negative account is dragging my credit score down unfairly. I have been denied housing, credit cards, and even small personal loans because of this error. The FCRA 623 requires furnishers to correct errors after a consumer dispute, yet no correction has been made. Therefore, this account must be deleted immediately as it continues to cause severe harm XXXXXXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$470.00} Charge Off This charge-off is being reported with inconsistent and incomplete data. The balance and dates do not match what I actually had, and the reporting creates a false negative mark on my credit history. Because of this, I have faced loan denials and higher interest rates. Without strict validation, this reporting is unlawful and must be removed in compliance with FCRA 623 and FDCPA requirements XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off This account shows a high credit of {$0.00} yet it is being reported as a charge-off. That contradiction shows it is not accurate or verifiable. This damages me by creating a false impression that I defaulted on an account where there was no valid balance. This type of harmful misreporting is a violation of consumer protection laws and must be deleted immediately XXXX XXXX Open Date XX/XX/XXXX High Credit {$750.00} Charge Off This charge-off account is being reported in a way that is inconsistent with my records. I dispute the accuracy of the balance, the charge-off date, and the overall status. This negative reporting has lowered my score and caused denials for housing and employment. Under FCRA 611, I am entitled to a proper reinvestigation. If the furnisher can not provide complete validation, this account must be removed XXXX XXXX Open Date XX/XX/XXXX High Credit {$350.00} Late Payment This account is showing late payments that I dispute as inaccurate. The reporting is inconsistent and not properly documented. These lates unfairly damage my file and create the false impression that I am financially irresponsible. In reality, these reports are unverifiable and misleading. Under FCRA 623, furnishers must correct errors once disputed. Since no correction has been made, I demand full deletion of this negative item XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment This account lists high credit as {$0.00} yet still shows late payments. This makes the report contradictory and inaccurate. I dispute the validity of these lates, as no proper documentation has been provided. This error has harmed me financially by lowering my credit score, raising my borrowing costs, and causing lenders to deny applications. It must be corrected or deleted under the law XXXX XXXX Open Date XX/XX/XXXX High Credit {$850.00} Charge Off This charge-off is being reported inaccurately and without proper validation. The balance, dates, and reporting are inconsistent with my records. Because of this, my creditworthiness has been unfairly damaged. Employers, lenders, and landlords view me negatively due to this unverified report. Under the FCRA, unverifiable and inaccurate accounts must be removed. I demand deletion unless strict validation is provided XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off This account shows a high credit of {$0.00} but is being reported as a charge-off, which is clearly inaccurate. Reporting a charge-off where no balance existed is a reckless violation of my rights under the FCRA. This has caused unnecessary harm to my credit score and reputation. Without verifiable proof of this account and its alleged charge-off status, it must be deleted from my file immediately XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off This charge-off is reported with a high credit of {$0.00}, which contradicts the alleged negative status. Reporting a charge-off where no balance existed is misleading and violates FCRA 607 ( b ), which requires accuracy. This false entry paints me as financially irresponsible when in reality it is an unverifiable claim. This charge-off must be removed immediately if the furnisher can not provide proper proof XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment This account shows late payments even though the high credit is listed as {$0.00}. This is inaccurate, misleading, and contradictory. Such reporting unfairly damages my credit reputation and gives the impression that I failed to pay obligations that did not even exist. This violates FCRA 623, which requires furnishers to ensure accurate and complete data. Unless fully validated, this account must be deleted XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$1000.00} Charge Off This account is being reported as a charge-off, but the balance and reporting details are inconsistent with my records. I dispute the accuracy of this account, as no proof of the alleged charge-off has been provided. Because of this, I have been denied fair access to credit and opportunities. The FCRA requires proper investigation and validation. Without full documentation, this account must be deleted immediately XXXX XXXX XXXX Date Opened XX/XX/XXXX Unpaid Balance {$1200.00} Collection This collection account is inaccurate and unverifiable. I have not received proper documentation proving that I owe this balance. Under the FDCPA 809, I have the right to request validation, yet none has been provided. Reporting this alleged debt without proper proof is unlawful and damaging. This negative account must be deleted immediately from my file if the furnisher can not show strict evidence XXXXXXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$780.00} Collection This account is listed as a collection, yet the details are inconsistent and unverifiable. XXXX XXXX often reports multiple variations of the same debt, causing double or triple damage to consumer files. This practice creates unfair harm and violates FCRA 607 ( b ). Unless strict and complete validation is provided, this account must be deleted from my report XXXX XXXX XXXX Open Date XX/XX/XXXX Unpaid Balance {$720.00} Collection This is another variation of XXXX Funding reporting on my file. I dispute the accuracy of this balance and account status. It appears to be a duplicate or re-aged debt, which is illegal under the FCRA and FDCPA. Re-aging or duplicating debts is a known abusive practice by certain collectors. This false entry is harming me financially and must be deleted immediately XXXX XXXX  XXXX Open Date XX/XX/XXXX Unpaid Balance {$450.00} Collection This account is also being reported by XXXX XXXX  and appears to be another duplicate variation. Multiple entries from the same furnisher on the same consumer file are highly misleading and damaging. This gives the false impression that I have numerous unpaid debts when in reality these are unverifiable and possibly the same account re-aged. This violates both FCRA accuracy standards and FDCPA protections. Unless complete documentation is provided, this account must be deleted XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Unpaid Balance {$200.00} Collection This collection account is also inaccurate and unverifiable. I have never received validation or original account records for this alleged debt. Reporting such an account damages my reputation, lowers my score, and causes unnecessary denials for credit. Since the furnisher can not show legal proof, this account must be deleted in compliance with FCRA and FDCPA protections XXXX Inquiry XX/XX/XXXX This hard inquiry was not authorized by me. I never gave written consent for this pull, which makes it an impermissible inquiry under FCRA 604. Unpermitted inquiries harm my credit score and create the false impression that I am constantly seeking credit. This must be removed immediately XXXX XXXX XX/XX/XXXX This inquiry was not initiated or approved by me. I never applied for credit with XXXX on this date. Reporting unauthorized inquiries is unlawful under the FCRA. This must be removed from my file XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry was not permitted by me. I did not apply for a XXXX XXXX account on this date. Unauthorized inquiries are damaging and misrepresent my credit-seeking activity. This inquiry must be deleted immediately XXXX XXXX XX/XX/XXXX I dispute this inquiry as it was not authorized. It was made without my knowledge or consent. Such inquiries lower my credit score and create a false impression of credit risk. Under FCRA, this inquiry must be deleted XXXX XXXX XX/XX/XXXX This inquiry is inaccurate and unauthorized. I never applied for credit with this company. Unauthorized inquiries create a misleading profile of my credit habits and lower my score. This entry must be deleted Conclusion : The above accounts, collections, and inquiries are inaccurate, unverifiable, and unlawful. They violate my rights under the FCRA, FDCPA, and FCBA. These errors have damaged my creditworthiness, denied me fair access to financial opportunities, and created undue hardship. I am requesting that the CFPB immediately investigate these violations, order the removal of these inaccurate items, and hold the responsible furnishers and bureaus accountable for their negligence and misconduct.

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