Consumer complaint received 2025-08-28 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:
I am submitting this formal complaint regarding multiple inaccurate, misleading, and damaging items reported on my credit report. These errors have caused severe financial, emotional, and reputational harm. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., all credit reporting agencies and furnishers are legally required to ensure reported information is accurate, complete, and verifiable. 
The following items are disputed and require immediate investigation, correction, or removal : XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address I have never lived at, owned, or had any connection to this property. Its appearance on my credit report has caused confusion with multiple lenders, resulted in unnecessary credit inquiries, and exposed me to potential identity theft. Despite notifying the bureaus previously, it remains inaccurately reported. FCRA 1681e ( b ) requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy. The continued reporting of this wrong address demonstrates negligence and is materially harmful. 
XXXX XXXX XXXX XXXX  XXXX, FL XXXX Wrong Address This address is falsely associated with my identity. As a result, I have received harassing calls and letters from debt collectors for debts I do not owe. This misinformation is not only stressful but also damages my ability to access financial services. FCRA 1681e ( b ) mandates that inaccurate data be corrected immediately. Reporting this incorrect address constitutes a violation of federal law and has directly impacted my financial stability. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} Late Payment * * I have consistently made payments on time for this account. The reported late payment is false and has negatively impacted my credit score, causing denial of a personal loan and higher interest rates on other accounts. FCRA 1681s-2 ( a ) and 1681i require verification and correction of disputed items. This false late payment reflects negligent or willful misreporting and must be corrected immediately. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$570.00} Late Payment * * The reported late payment for this account is completely inaccurate. I have never missed a payment. This misinformation has caused me emotional distress, damaged my creditworthiness, and risked my ability to secure essential financial services. FCRA 1681i ( a ) mandates proper investigation and removal of unverifiable or inaccurate information. Immediate correction is required. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Charge Off * * This accounts charge-off is unverified and false. I have never received proper notice of any delinquency, nor is this debt legitimate. Reporting this charge-off violates FDCPA 1692e and FCRA 1681i ( a ), and it has caused undue stress, reduced my creditworthiness, and exposed me to harassment. Immediate correction or deletion is required. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Collection * * This account is unverified and falsely attributed to me. I have never incurred this debt. Its reporting has caused harassment from collectors, damaged my credit profile, and caused financial and emotional distress. Under FCRA 1681i ( a ) and FDCPA 1692e, unverifiable debts must be corrected or removed. XXXX deletion is required. 
XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Collection * * I never incurred this debt. Despite this, I have been contacted repeatedly by collections personnel, causing emotional distress and fear of legal action. The false collection has also reduced my credit score, impacting my ability to obtain loans. FCRA 1681i ( a ) and FDCPA 1692f require that unverifiable debts be removed. Immediate correction or deletion is necessary. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} Collection * * This account is invalid. I have never received proper documentation or notice of this debt. The reporting has resulted in constant calls and emails from collectors, causing undue stress, sleepless nights, and affecting my professional life. Reporting an unverifiable collection violates FCRA 1681s-2 ( b ) and FDCPA 1692f. I demand immediate deletion. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$610.00} Collection * * This account is inaccurate and unverified. I have never owed this debt, yet it appears as a collection, leading to repeated phone harassment and wrongful collection letters. Its reporting has damaged my credit score and limited my ability to obtain financial products. This violates FCRA 1681i ( a ) and FDCPA 1692e. Immediate investigation and removal are required. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off * * This account is incorrectly reported as a charge-off. I have not received any proper notice of delinquency or default. Misreporting this account constitutes a violation of FCRA 1681s-2 ( a ) and 1681i ( a ) and has caused reputational and financial harm. Immediate removal is requested. 
Unauthorized Hard Inquiries : XXXX XXXX XX/XX/XXXX This hard inquiry was not authorized by me and has negatively affected my credit score. FCRA 1681b requires consumer authorization for credit inquiries. Immediate removal is demanded. 
XXXX  XX/XX/XXXX Unauthorized inquiry, negatively impacting my credit profile. Must be deleted immediately under FCRA 1681b.

Impact and Request : These inaccuracies have caused repeated financial harm, harassment, credit denials, higher interest rates, and emotional distress. These actions constitute willful or negligent violations of FCRA and FDCPA. I demand an immediate investigation, correction, or removal of all inaccurate information, including collections, charge-offs, late payments, wrong addresses, and unauthorized inquiries. Written confirmation of all corrections is required. Failure to comply may result in legal action to recover damages caused by false reporting.

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