Consumer complaint received 2025-09-23 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:
To Whom It May Concern, I am submitting this formal complaint regarding multiple inaccuracies on my credit report, including falsely reported collection accounts and unauthorized hard inquiries. Despite my repeated attempts to resolve these matters directly with the creditors and reporting agencies, these errors remain uncorrected. These actions violate the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws. I demand immediate investigation, correction, and removal of all inaccurate information. 
Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address has never been associated with me. Its presence on my credit report suggests potential identity theft or clerical errors that could lead to fraudulent claims in my name. I have never lived, rented, or conducted any financial transactions here. This false reporting not only confuses lenders but also exposes me to risks of legal disputes, debt collection attempts, and denied financial opportunities. The stress caused by these false records has affected my personal and professional life. Immediate removal is necessary. 

XXXX XXXX XXXX XXXX XXXXXXXX I have no legal or residential connection to this property. Its erroneous reporting creates confusion for creditors, may trigger investigations against me, and could unjustly impact my creditworthiness. I am concerned that this false address could be used to wrongly assign debts or obligations to me, causing severe financial and emotional distress. Immediate correction is required. 

Account Disputes : XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff, High Balance : {$6100.00}, Date Opened : XX/XX/XXXX This account has been falsely reported as a chargeoff. I have documentation proving on-time payments and communication with the creditor. Reporting it incorrectly has caused significant damage to my credit score, prevented me from obtaining housing loans, car financing, and even employment verification. This misreporting violates FCRA Section 609, creates financial instability, and adds extreme emotional distress. Immediate investigation and removal are required. 

XXXX XXXX XXXX XXXX XXXX Late Payment, High Balance : {$1300.00}, Date Opened : XX/XX/XXXX The reported late payments are entirely incorrect. I have evidence of timely payments that prove the account is current. The false reporting has unnecessarily lowered my credit score, caused XXXX, and hindered my ability to access fair credit. The repeated failure to correct this despite my attempts constitutes negligence and violates my rights under FCRA. Immediate correction is required. 

XXXX XXXX XXXX XXXX Chargeoff, High Balance : {$0.00}, Date Opened : XX/XX/XXXX This account was closed decades ago and should not appear as an active negative. Its continued reporting misleads lenders about my credit history, creating unjust barriers to financial opportunities. The failure to remove this obsolete account demonstrates a disregard for accuracy and fairness, causing emotional and financial strain. I request its immediate deletion. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Chargeoff, High Balance : {$420.00}, Date Opened : XX/XX/XXXX This account is falsely marked as a chargeoff. I have proof of payments and correspondence with the company that have been ignored. The incorrect reporting has directly impacted my credit score, caused distress, and prevented me from securing essential services and loans. I demand full investigation, verification, and removal of this false entry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff, High Balance : {$4000.00}, Date Opened : XX/XX/XXXX This account has been inaccurately reported as a chargeoff despite my compliance with agreed payment terms. Its false reporting damages my creditworthiness, limits my financial options, and subjects me to undue stress and frustration. The reporting agencys failure to correct this violates FCRA and consumer protection laws. Immediate action and correction are demanded. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Collection, High Balance : {$8600.00}, Date Opened : XX/XX/XXXX This account has been falsely reported as a collection. I have no record of owing this debt, and reporting it is severely damaging my credit score, limiting my ability to secure loans, housing, and employment. The stress and financial hardship caused by this false reporting are significant. I request immediate correction or deletion. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Collection, High Balance : {$1500.00}, Date Opened : XX/XX/XXXX This account is inaccurately listed as a collection. I have never authorized any transactions or incurred debt with this creditor under this account. The false reporting is negatively affecting my credit and causing emotional distress. Immediate verification and removal are required. 

XXXX XXXX XXXX XXXX Collection, High Balance : {$120.00}, Date Opened : XX/XX/XXXX This small balance has been reported as a collection without proper validation. I dispute the legitimacy of this account and request it be removed. The false reporting of even a small amount has an unnecessary negative impact on my financial stability and credit reputation. 
Unauthorized Inquiries : XXXX XXXX XXXX, XX/XX/XXXX I did not authorize this inquiry. Unauthorized hard inquiries harm my credit score and may indicate potential identity theft or clerical errors. Immediate removal is required. 

XXXX XXXX XXXX, XX/XX/XXXX This hard inquiry was made without my consent. Reporting it violates FCRA regulations and negatively impacts my credit. I demand immediate investigation and deletion. 

XXXX XXXX, XX/XX/XXXX I did not authorize this inquiry. Unauthorized inquiries negatively affect my credit score and must be removed immediately. 

The repeated failure to correct these inaccuracies is causing severe financial and emotional distress, limiting my access to credit, housing, and other essential financial services. Under FCRA Sections 609 and 611, and FDCPA provisions, I am entitled to dispute inaccurate information and have it corrected promptly. If these matters are not resolved immediately, I am prepared to pursue all available legal remedies to protect my rights and financial standing. 
I request that all disputed accounts and unauthorized inquiries be fully investigated, corrected, or removed from my credit report. Please provide written confirmation of the steps taken and the evidence used in your investigation.

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