Consumer complaint received 2025-08-25 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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint because several items on my credit report are being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act. These accounts and addresses do not belong to me or are being reported in an unfair, misleading, and harmful manner. The credit reporting agencies and furnishers have failed in their duty to ensure maximum accuracy under 15 U.S.C. 1681e ( b ) and have continued to report damaging information despite disputes. I request immediate investigation, deletion, and correction. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address has no connection to me, my family, or my personal history. I never lived at this property, signed any lease, utility account, or financial document connected to it. The furnisher has clearly failed to follow FCRA 623 which requires accuracy before reporting data. The presence of this address on my credit file has created problems where lenders question my stability and identity, making me appear to be living in multiple places at once. It is humiliating and financially damaging because I get treated as high risk when this data is entirely false. 
XXXX XXXX XXXX High Balance : {$7200.00} Date Opened : XX/XX/XXXX Charge-Off This account is reported as a charge-off, which is extremely damaging and inaccurate. I dispute the balance, the charge-off status, and even the legitimacy of the account as reported. No valid documentation has been provided showing that this debt is owed by me, yet it is being furnished as if verified. Under FCRA 623, furnishers must not report information if they know or should know it is inaccurate. This charge-off has lowered my credit score significantly, preventing me from obtaining fair housing and credit approvals. The emotional distress from being labeled as someone who walked away from obligations when in fact the account is misreported is severe and ongoing. 
XXXX XXXX XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXX Late Payment This account is showing multiple late payments that I dispute as false. I have repeatedly asked for verification and none has been provided. Reporting late payments without documentation is a direct violation of my consumer rights. This inaccurate reporting paints me as irresponsible and unreliable, which is not the case. I always strive to meet my obligations, and when creditors misreport, it unfairly destroys years of effort I have put into building my financial reputation. Because of this, I have been denied credit cards, loans, and even higher-limit approvals. 
XXXX XXXX XXXX High Balance : {$15000.00} Date Opened : XX/XX/XXXX Charge-Off This alleged account is being reported as a charge-off, but I dispute its accuracy and ownership. The duplicative reporting of XXXX XXXX accounts shows clear negligence by furnishers. Under FCRA 611, I am entitled to a reinvestigation, but instead, the same negative information is recycled and reinserted on my credit report. This has cost me opportunities such as refinancing my vehicle at a lower interest rate, saving money for my family, and building stability. The fact that a large balance is attached only adds to the financial harm because lenders assume I defaulted on a major obligation. 
XXXX XXXX XXXX High Balance : {$5600.00} Date Opened : XX/XX/XXXX Late Payment The late payments being reported here are disputed because they are inaccurate. Without verified records proving I was late, these marks should not exist. FCRA 611 requires furnishers to conduct a full reinvestigation when a dispute is filed, but instead the same inaccurate data continues to appear. Because of this, I was recently denied a credit card with better terms, costing me financially because I am stuck with higher interest rates on existing obligations. The harm is both financial and emotional, as I am forced to fight errors that should have never been reported in the first place. 
XXXX XXXX XXXXXXXX XXXX : {$7500.00} Date Opened : XX/XX/XXXX XXXX This charge-off is being reported against me with a large balance, but it is not accurate and has never been properly validated. I never received proof that I legally owed this balance, yet the account has been furnished as if it is verified. Because of this reporting, I have been denied credit cards and auto financing, and when lenders pull my credit report they treat me as a consumer who has abandoned obligations. That label is deeply unfair and humiliating. I have always tried to maintain my credit in good standing, but inaccurate charge-off reporting destroys years of effort instantly. Under FCRA 623, furnishers are not allowed to report data they can not verify, and yet they continue to damage my financial reputation every day this remains on my file. 
XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Collection ( Duplicate ) This duplicate collection is one of the most damaging entries because it misleads lenders into believing that I have two separate collection accounts, when in reality it is the same alleged debt reported twice. This duplication violates FCRA 623 because data must be accurate, and reporting the same debt twice creates a false picture of my financial history. Because of this duplicate, my credit score is artificially lowered, and I was recently denied an apartment rental where the landlord cited multiple collections as a reason. This is devastating because I am being punished for the same debt more than once. 
XXXX XXXX XXXXXX/XX/XXXX Hard Inquiry This inquiry is unauthorized. I never submitted an application with XXXX XXXX on this date. Yet it appears on my file, lowering my score. This violates FCRA rules about permissible purpose, and it has made me appear to be applying excessively for credit when I was not. This false image of desperation is harmful because lenders then assume I am a high-risk borrower. 
XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX This inquiry was also unauthorized. I never submitted a credit request with XXXX XXXX on this date. The reporting of this inquiry has damaged my credit standing and is misleading lenders into thinking I am aggressively seeking new credit lines. That is not true, and this entry violates my rights. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Hard Inquiry I dispute this inquiry as unauthorized. I did not apply for credit with XXXX XXXX XXXX  on this date. Reporting an inquiry without consumer consent is unlawful under FCRA 604. This makes me look like I was shopping for auto loans when I was not. This false reporting has already harmed me when I applied for insurance and was flagged for too many inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XXXX This inquiry is also unauthorized. I did not apply with XXXX XXXX. It creates the false impression that I am applying for multiple auto loans, which is not true. This unlawful reporting is damaging and misleading, and it violates my rights under FCRA. 
XXXX XXXX XX/XX/XXXX Hard Inquiry I never applied for credit with XXXX XXXX. This inquiry was made without my permission and has no permissible purpose under FCRA. Its presence has lowered my score and made it harder for me to get approved for financing.

Legal Basis and Harm The FCRA ( 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ), FDCPA ( 15 U.S.C. 1692e, 1692g ), and Consumer Financial Protection Act prohibit the reporting of inaccurate, unverified, and misleading information. These accounts and addresses have never been properly validated or investigated despite my prior disputes. The continued reporting has caused denial of credit, increased financial hardship, reputational harm, and emotional stress.

Requested Resolution I respectfully request that the CFPB require the furnishers and credit reporting agencies to : 1. Remove the disputed collection accounts immediately.

2. Delete the false and inaccurate addresses permanently.

3. Ensure strict compliance with FCRA and FDCPA going forward.

4. Provide written confirmation of all deletions and corrections. 
I trust the CFPB will take swift action to hold these entities accountable for their violations and to restore the integrity of my credit report.

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