Consumer complaint received 2025-06-24 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: NV

Complaint narrative:
Dear CFPB Officer, I am writing to formally file a complaint against inaccurate and damaging credit information being reported by the consumer reporting agencies. The inaccuracies involve wrong addresses, charge-offs, collections, and late paymentsmany of which are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. These errors have negatively affected my credit score, financial opportunities, and overall wellbeing.

INCORRECT ADDRESSES VIOLATION OF FCRA 1681e ( b ) XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, HI XXXX This is not my address and is inaccurately reported on my credit file. 
XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX This address is also incorrect and I have no affiliation with it. 
These addresses were reported without reasonable procedures to ensure maximum accuracy as required under FCRA 1681e ( b ). The failure to remove them upon my dispute is a clear non-compliance. 
CHARGE-OFFS 1. XXXX XXXX # XXXXXXXX XXXX XXXX  Charge Off * * This account was never authorized, and I was not notified prior to charge-off. 
Violation : FCRA 1681i ( a ), 1681s-2 ( b ) Failure to conduct proper investigation and provide notice. 
2. XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  ( XX/XX/XXXX ) Charge Off * * 3. XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  ( XX/XX/XXXX ) Charge Off * * Duplicate entries for the same creditor. This appears as account splitting, which falsely amplifies negative impact. 
Violation : FCRA 1681i ( a ), 1681e ( b ) Inaccurate and misleading reporting. 
COLLECTIONS REPORTED WITHOUT VALIDATION OR PROOF 4. XXXX Original Creditor : XXXX XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX No debt validation received. 
Violation : FDCPA 809 ( a ) ( 15 U.S.C. 1692g ) and FCRA 1681b. 
5. XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 6. XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX No signed agreement, no notice of collection, no validation received. 
Violation : FDCPA 807 ( 8 ), FCRA 1681e ( b ) 7. XXXX  XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account is incorrect. I was never served or informed. 
Violation : FDCPA 809 ( b ), FCRA 1681i ( a ) 8. XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX No accurate record provided, and I was not notified. 
Violation : FDCPA 807 and FCRA 1681b 9. XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never received treatment at this location. This is a case of possible mistaken identity. 
Violation : FCRA 1681e ( b ), 1681i 10. XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never received a bill or validation ; no contact from original creditor. 
Violation : FDCPA 809 and FCRA 1681b 11. XXXX  XXXX  XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This collection is inaccurate. XXXX XXXX has no legal right to sell this debt due to prior dispute. 
Violation : FCRA 1681b, FDCPA 807, 809 ( b ) LATE PAYMENTS DPT EDXXXX ACCOUNTS ( FEDERAL STUDENT LOANS ) I am seeing over XXXX duplicate and incorrect late payments being reported for the same servicer and loan originator ( DPT ED/XXXX ), under various account numbers : # XXXX {$950.00} # XXXX {$2500.00} # XXXX {$3300.00} # XXXX {$1200.00} # XXXX {$3300.00} # XXXX {$910.00} # XXXX {$1200.00} # XXXX {$4400.00} # XXXX {$2100.00} # XXXX {$200.00} # XXXX {$4400.00} # XXXX {$3300.00} # XXXX {$1100.00} # XXXX {$3400.00} # XXXX {$3200.00} # XXXX {$9500.00} # XXXX {$4100.00} # XXXX {$3300.00} These entries represent duplicate reporting of late payments on the same loans, split into multiple lines. It artificially inflates my negative credit history. 
Violation : FCRA 1681s-2 ( a ) ( 1 ) ( A ), 1681i ( a ), and 1681e ( b ) Reporting the same delinquency across multiple entries is deceptive and misrepresents my credit behavior. 
REQUEST FOR RESOLUTION I am requesting the CFPB to initiate an investigation and instruct the credit bureaus to : 1. Permanently delete the wrong addresses from my report.

2. Remove or correct the inaccurate charge-offs and duplicate entries.

3. Validate or delete the collections lacking proper verification.

4. Eliminate the duplicate late payments related to DPT EDXXXX. 
These errors are preventing me from securing housing and employment. I have exhausted all direct dispute efforts with the credit bureaus without resolution. 
Thank you for your assistance in helping to protect consumer rights under the law

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