Consumer complaint received 2025-08-08 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"Dear Consumer Financial Protection Bureau,\nI am writing to file a formal complaint against various furnishers and credit reporting agencies for violating the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and my rights as a consumer. I have attempted to resolve these issues directly, but the inaccuracies continue to appear on my credit reports, severely damaging my credit profile, financial opportunities, and personal well-being.\nXXXX XXXX XXXX XXXX XXXX XXXX This address is being reported incorrectly and does not belong to me. Its presence on my credit file is misleading and could result in confusion or fraud.\nLaw: FCRA  609 and  611 grant me the right to accurate information and the ability to dispute errors.\nStory: I have never resided at this address. Its appearance on my profile could potentially expose me to liability or mistaken identity concerns, causing unnecessary hardship and risk of fraud.\n\nXXXX XXXX XXXX XXXX XXXX XXXX\nIssue: This address is not mine and represents an error in my credit profile.\nLaw: FCRA prescribes that only verified, accurate consumer details may be reported.\nStory: The inclusion of this address has led to situations where correspondence and collection attempts were made to third parties, damaging my reputation and privacy.\n\nXXXX XXXX XXXX High Balance: $XXXX  Opened: XXXX Charge Off reported in error, not informed of any prior delinquency as required by law.\nLaw: FDCPA Section 807 prohibits false representation, FCRA requires accuracy of account status.\nStory: I was not notified or given an opportunity to cure any default. Reporting this as a charge off without prior notification has unjustly impacted my credit rating, escalating my loan costs and causing financial hardship.\n\XXXX XXXX XXXX XXXX XXXX XXXX XXXXpened: XXXXIssue: Account is showing charge off status; no validation or detailed itemization provided despite my repeated requests.\nLaw: FDCPA Section 809 and FCRA  611 require proper validation and correction of disputed items.\nStory: Repeated attempts to resolve this have been ignored, undermining my trust and causing distress about fraudulent or unauthorized transactions.\nXXXX XXXX XXXX  High Balance: XXXX  Opened: XXXX: Shows charge off; not my legitimate account.\nLaw: FCRA  602,  609  Right to dispute; reporting must be accurate.\nStory: This entry is unknown to me and was never authorized. Its presence has hindered my ability to obtain employment that requires background checks, creating real life setbacksXXXX XXXX XXXX XXXX XXXX XXXX  Opened: 25/03/2022\nIssue: Late payment marked without notifying me as the law requires.\nLaw: FCRA, CFPB guidance  Consumers must be enabled to correct or dispute records before negative reporting.\nStory: No bill or request for payment reached me. The negative mark resulted in declined applications for essential credit during an emergency.XXXX XXXX XXXX XXXX XXXX XXXX  Opened: XXXXIssue: Late payment entry does not reflect any late statement on my end, never received notice.\nLaw: FCRA requires timely notice before adverse reports.\nStory: The late payment blemished my record right as I was securing a car loan, causing higher rates and suspicion about my financial reliability.XXXX XXXX XXXX XXXX XXXX XXXX XXXX: Late payment reported during a period when natural disaster/medical emergency impeded my payment ability; not taken into consideration.\nLaw: CFPB encourages lenders to provide hardship accommodations (CFPB Bulletin XXXXtory: Despite providing documentation of unavoidable hardship, my request for relief went ignored, and now my credit report is unjustly penalizedXXXX XXXX XXXX XXXX XXXX XXXX Opened: XXXX  Late payment status not justified or proved by records.\nLaw: FCRA  611.\nStory: I made all payments as per my records. Reporting this as late has penalized me for a mistake I did not make, hurting my financial standing during critical times.\n\nXXXX XXXX XXXX High Balance: $1,850 Opened: XXXX Charge off, entry disputed, no validation or communication regarding the original debt.\nLaw: FCRA requires accurate, validated data.\nStory: Without proof or communication, this charge off unwarrantedly drags down my score, adding to financial and emotional distresXXXX XXXX XXXX  High Balance: XXXX XXXX XXXX Late payment marked erroneously, never given an account statement.\nLaw: FCRA, Reg V.\nStory: No statement, no reminder, no chance to correctyet my credit is penalized, affecting my employment opportunitiesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Same debt as above double-reported, misleading lenders and partners.\nLaw: FCRA  No duplicate negative reporting.\nStory: This redundancy magnifies my perceived risk, leading to unwarranted rejections and lost opportunities.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection posted without supporting documentation or original creditor details.\nLaw: FDCPA, FCRA.\nStory: The sudden appearance of this collection has cast doubt on all my recent credit applicationsharmful and unjustified.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection showing, disputed, never received prior communication or an itemized statement.\nLaw: FDCPA  809.\nStory: The lack of transparency makes me question if this is a real debt or an erroreither way, it severely hurts my creditworthinessXXXX XXXX XXXX XXXX XXXX XXXX  Opened: XXXX: Duplicate reporting of previous account, exaggerating my collection status.\nLaw: FCRA  611.\nStory: My credit file should not have two collection entries for the same debt. This error has cost me vital access to necessities.XXXX XXXX XXXX XXXX Inquiryno record of application, potentially unauthorized.\nLaw: FCRA, consumer rights under Reg V.\nStory: Such erroneous inquiries undermine my confidence in data protection and fair credit access.\XXXX XXXX Inquiry entry not matching any recent action of mine.\nLaw: FCRA.\nStory: This entry is lowering my overall score and unfairly signaling to lenders the possibility of risky behaviorXXXX XXXX: Unsolicited inquiry, not approved or undertaken by me.\nLaw: FCRA, Reg V.\nStory: These rogue entries pile up, making responsible financial management impossible.\n\nRELIEF REQUESTED:\n1.\tImmediate investigation and removal of inaccurate addresses\XXXXFull deletion of inaccurate, duplicated, and unverifiable negative accountXXXXPermanent removal of unauthorized inquiries from my credit reportXXXXWritten confirmation of all corrective actions taken\nI respectfully urge the CFPB to hold the involved furnishers and credit bureaus accountable for these repeated violations and ensure that my consumer rights under the law are restored.\nThank you for your assistance"

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