Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
CFPB Complaint Letter Draft To the Consumer Financial Protection Bureau, I am submitting this complaint because my credit report is filled with serious inaccuracies, duplicate charge-offs, wrong addresses, unverified collections, and unauthorized inquiries. These errors have created devastating consequences in my life. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accuracy, verification, and fairness in my credit reporting, yet these rights are being ignored.

The first issue is the repeated appearance of false addresses such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have never lived at any of these locations, and their presence creates confusion about my identity. FCRA Section 607 ( b ) requires consumer reporting agencies to assure maximum possible accuracy. Because of these wrong addresses, I have had lenders question my honesty, my applications delayed, and even mail misdirected. This has left me vulnerable to identity theft and humiliation when I try to apply for housing or credit. 
Address : XXXX XXXX XXXX XXXX, CA XXXX Issue : This address does not belong to me and was never a residence of mine. Its appearance is a misrepresentation of my identity. 
Law : FCRA Section 607 ( b ) requires credit reporting agencies to maintain maximum possible accuracy.

Story : Because this false address appears on my file, I have faced suspicion from lenders who questioned whether I was attempting fraud or concealing my true identity. This has delayed credit applications, created embarrassment, and resulted in unnecessary denials. It has also left me vulnerable to identity theft, as my credit file appears inconsistent and unreliable. 
Address : XXXX XXXX XXXX, CA XXXX Issue : This is another address that does not belong to me. 
Law : Under FCRA Section 611, disputed information must be investigated and removed if it can not be verified.

Story : This inaccurate address has led to mail misdeliveries and confusion when creditors attempted to verify my history. It portrays me as unstable or misleading about my residency when in truth I never lived there. The false impression damages my credibility in financial matters.

Account : XXXXXXXX XXXX XXXX XXXX  High Balance {$1500.00} Date Opened XX/XX/XXXXXXXX  Issue : Reported as a charge-off and duplicated on my report. 
Law : FCRA Section 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting inaccurate or duplicate information.

Story : This single account being shown multiple times as derogatory unfairly magnifies the damage against me. Lenders assume I defaulted on multiple accounts, which is false. This duplication is misleading, damaging, and unlawful.

Account : XXXX XXXX XXXX XXXX  ( duplicate entry ) Issue : Same account reported again as a separate charge-off. 
Law : FCRA requires each account to be reported accurately, without duplication. 
Story : This duplicate entry lowers my score, creates the appearance of repeated defaults, and makes it nearly impossible for me to obtain fair financing. My applications for credit cards and auto loans have been denied in part because of this wrongful duplication.

Account : XXXX XXXX XXXX XXXX XXXX High Balance {$32000.00} Date Opened XX/XX/XXXX Issue : Reported as charge-off without proper verification. 
Law : Under FCRA Section 609 ( a ), I have the right to receive documentation proving the validity of the account.

Story : This account is reported as if I defaulted on a massive loan, which is untrue. It makes me look irresponsible with large sums, leading to extremely high interest rates offered to me or outright denial of credit. This has caused me severe financial and emotional harm.

Account : XXXXXXXX XXXX XXXX XXXX XXXX High Balance {$1300.00} Date Opened XX/XX/XXXX Issue : Reported as a charge-off. 
Law : FCRA Section 611 requires reinvestigation when a consumer disputes an account.


Story : This reporting falsely portrays me as someone who defaulted on credit. As a result, I have been denied rental housing and lines of credit. My reputation has suffered with potential landlords and creditors who misinterpret my history.

Account : XXXXXXXX XXXX XXXX XXXX  High Balance {$2500.00} Date Opened XX/XX/XXXX Issue : Reported as charge-off without validation. 
Law : FDCPA Section 809 ( b ) entitles me to validation of debts.

Story : I never received proof of this debt, yet it continues to poison my report. Because of this entry, I have been denied personal loans, and my character has been unfairly questioned. 
Account : XXXX XXXX XXXX XXXX High Balance {$2200.00} Date Opened XX/XX/XXXX Issue : Reported as charge-off. 
Law : FCRA Section 611 requires reinvestigation upon dispute.

Story : This report is devastating because it portrays me as a tenant or borrower who defaulted, when in truth I did not. This has cost me opportunities for stable housing and better financial terms.

Account : XXXX XXXX XXXX High Balance {$1100.00} Date Opened XX/XX/XXXXXXXX  Issue : Reported as a collection. 
Law : FDCPA Section 807 prohibits false representation of debt.

Story : I was never notified or validated on this alleged debt, yet it is harming my credit profile. This entry alone has caused multiple credit card denials and damaged my peace of mind. 
Inquiry : XXXX XX/XX/XXXXXXXX  Issue : Unauthorized hard inquiry. 
Law : FCRA Section 604 prohibits inquiries without permissible purpose.

Story : This inquiry was not authorized by me. It unfairly lowered my credit score and created suspicion that I applied for credit I did not request.

Inquiry : XXXX XXXX XX/XX/XXXX Issue : Unauthorized hard inquiry. 
Law : FCRA Section 604 governs permissible purposes.

Story : This false inquiry misrepresents me as someone applying for unnecessary credit, making me appear financially desperate.

Inquiry : XXXX XXXX XX/XX/XXXX Issue : Unauthorized hard inquiry. 
Law : FCRA Section 604.

Story : I did not apply for this credit, yet it damages my creditworthiness, making me appear to creditors as unstable. 
These errors combined have severely impacted my life. I was denied an auto loan that I needed for reliable transportation. I was charged higher interest on a credit card, costing me hundreds of dollars extra each month. I have been rejected for rental housing, making it difficult to provide stability for myself and my family. I live in constant stress knowing that my reputation is being tarnished by false and unverified information. Every time I try to improve my financial situation, these errors block me and cause emotional distress, sleepless nights, and anxiety. 
I am asking the CFPB to step in and hold the credit bureaus and furnishers accountable. The wrong addresses must be deleted, duplicate and unverifiable charge-offs removed, false late payments corrected, unknown collections eliminated, and unauthorized inquiries erased. I also request that all parties provide me with documentation verifying any information they continue to report. If they can not provide such evidence, the law requires deletion. 
This situation has caused me real, measurable harm in both financial and emotional terms. I respectfully request that the CFPB take immediate action to enforce compliance with the FCRA and FDCPA, so I can finally have an accurate and fair 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