Consumer complaint received 2025-07-25 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:
TO WHOM IT MAY CONCERN This letter is submitted as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. The following addresses, accounts, and inquiries are inaccurately appearing on my credit report. I request immediate deletion or correction as they are incorrect, unverifiable, or reported in violation of federal law. I am demanding a full reinvestigation under FCRA 611 and a response within 30 days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : I have never lived at or been associated with this address Law : FCRA 605 ( b ), 602 ( a ), 611 ( a ) Credit bureaus must maintain maximum possible accuracy and remove unverifiable or incorrect personal information Story : This incorrect address makes it appear that Ive lived at places Ive never even visited. This caused confusion in verifying my identity during job background checks. I was flagged for inconsistent identity history and lost an employment opportunity. This has been humiliating and financially damaging. I request immediate deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$560.00} Late Payment * * Issue : This account is showing a late payment that I strongly dispute Law : FCRA 623 ( a ) ( 1 ) ( A ), FDCPA 807 ( 8 ) Creditors must report accurate and truthful information and not misrepresent consumer status Story : I had automatic payments set up and was never alerted of any missed payments. This reporting error dropped my credit score drastically. I was relying on this account to rebuild my credit after a prior hardship. Because of this single entry, I was denied a loan needed for urgent medical expenses. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} Late Payment * * Issue : I was reported late without proper billing notice or opportunity to resolve Law : FCRA 623 ( b ), FDCPA 809 ( a ) Creditors must provide notice and validate debts before negative reporting Story : I was out of work during this period and contacted the company asking for a hardship plan, which they never acknowledged. They promised me leniency and then reported me late anyway. This single report caused my score to tank and increased my interest rate on other lines. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * Issue : Late payment is being reported on a closed, zero-balance account Law : FCRA 623 ( a ) ( 1 ) ( B ) Furnishers must not report misleading data Story : I worked hard to build this account for credit repair, paid it off on time, and it shows late reporting even after it was closed. This makes it look like I defaulted. I lost the chance to qualify for a credit builder program due to this false late. I feel deceived and heartbroken. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * Issue : Account was settled voluntarily, yet reported as charged off Law : FCRA 605 ( a ) ( 5 ), FDCPA 807 Debt settlement must be reflected accurately and not misleading Story : I surrendered the vehicle due to financial hardship and confirmed closure. Reporting this as a charge-off after resolution is unethical. This damaged my auto financing chances, and I now rely on public transportation in a city with little access. Its painful to be punished for trying to do the right thing. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * Issue : XXXX charged off disputed charges without validation Law : FDCPA 809 ( b ), FCRA 623 Consumers must be allowed to dispute before derogatory reporting Story : I had a billing dispute and never received a proper breakdown. They sent it to collections without resolution. This unfairly harmed my credit and disrupted my ability to set up other essential utility services. I demand deletion due to lack of validation and transparency. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$810.00} Collection * * Issue : I dont recognize this collection, and I was never notified or validated Law : FDCPA 809 ( a ), FCRA 611 Debt collectors must validate before reporting Story : I was never contacted, billed, or informed of this debt. I only found out because of a credit denial. I feel targeted and blindsided. This collection has no supporting evidence and is possibly a mixed file. Please delete immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * Issue : Account was XXXX in XXXX, yet still shows as charge-off Law : FCRA 605 ( a ) ( 1 ), XXXX  XXXX XXXX Debts XXXX in XXXX  can not show as delinquent or collectible Story : This account should reflect XXXX discharge, not a charge-off. The continued misreporting makes it look like I still owe money I dont. This is unfair and has caused me repeated embarrassment and denial in credit checks. Correct this to show XXXX balance and included in XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * Issue : This resolved account is still reported negatively and appears re-aged Law : FCRA 623 ( a ) ( 2 ), FDCPA 807 Re-aging or re-reporting old, resolved debts is prohibited Story : I paid and resolved this years ago. It keeps coming back like a ghost. This is tormenting me emotionally and financially. Lenders think Im irresponsible because of this ancient data being kept alive. I want this gone permanently. 
XXXX  Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Accounts included in this XXXX still report balances and charge-offs Law : FCRA 605, XXXX  XXXX XXXX XXXX discharge must be reflected properly Story : I filed for XXXX  to get a fresh start, but creditors still show I owe money. This is devastating after trying so hard to rebuild. It prevents me from renting, borrowing, or even applying for secured credit. This must be corrected to reflect XXXX balances and XXXX in XXXX. 
HARD INQUIRIES UNAUTHORIZED AND EXCESSIVE Issue : The following inquiries were either unauthorized, excessive, or without permissible purpose Law : FCRA 604 ( a ) ( 3 ), 607 ( a ) Inquiries require consumer authorization and must serve a legitimate business purpose Story : I did not authorize the following hard pulls, and some were made after denial or without my consent. These inquiries lowered my score significantly and made me appear desperate for credit. This led to denial for an apartment I desperately needed. These inquiries feel like a violation of my privacy and trust. I request full deletion of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CONCLUSION Due to the inaccuracies listed above, I have suffered financial loss, mental distress, rejection for credit and housing, and embarrassment. These errors are serious, and I demand your compliance with FCRA 611 and immediate correction. Please provide written confirmation of your investigation results and a copy of my updated credit report within 30 days.

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