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 inaccuracies on my credit report that have caused severe financial, emotional, and professional harm. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I have the right to dispute inaccurate, misleading, or unverifiable information. Despite my attempts to address these issues, the following items remain unresolved, causing ongoing distress and disruption to my daily life. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Wrong Address This address has never been associated with me. Due to this error, I have missed important communications, including bank statements and lender notifications, causing delays in managing my finances. I experienced embarrassment when a lender called me at work, questioning why correspondence was being sent to an unknown address. The confusion has caused repeated stress, sleepless nights, and frustration while trying to prove my identity. Under FCRA 1681i ( a ) and 1681e ( b ), reporting inaccurate addresses violates my rights and can be construed as negligent. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Wrong Address Reporting this false address caused me to be denied a rental application. Landlords, upon seeing conflicting addresses, questioned my reliability and history. I was forced to explain and prove my identity repeatedly, taking valuable personal time and causing stress. FCRA 1681e ( b ) requires reasonable procedures to ensure accuracy. The continued misreporting has real-world consequences, including loss of housing opportunities and damage to my reputation. 
XXXX XXXX XXXXXXXX High Credit : {$14000.00} Date Opened : XX/XX/XXXX Late Payment This late payment is incorrect. I have consistently paid on time. Due to this false reporting, a personal loan I urgently needed was denied, delaying important life plans. It caused embarrassment when explaining the situation to my bank and additional stress in managing monthly bills. FCRA 1681s-2 ( a ) requires accurate reporting ; FDCPA 1692e prohibits false representation. The repeated XXXX, sleepless nights, and financial uncertainty caused by this error are severe. 
XXXX XXXX XXXX High Credit : {$21000.00} Date Opened : XX/XX/XXXX Late Payment This account incorrectly shows late payment activity. I have records proving timely payments. As a result, I faced higher interest rates, delayed loan approval, and repeated questioning by financial institutions. The stress of gathering evidence to prove my responsibility affected my ability to focus at work, caused XXXX, and disrupted my personal life. FCRA 1681s-2 ( b ) obligates accurate reporting, yet this false entry continues to harm me. 
XXXX XXXX XXXXXXXX High Credit : {$120.00} Date Opened : XX/XX/XXXX Late Payment This entry is inaccurate. Misreporting has caused delays in securing small loans, raised unnecessary questions from financial institutions, and created XXXX  about my creditworthiness. FDCPA 1692e prohibits false reporting. I have had to spend hours gathering payment proof, disrupting both professional and personal commitments. The stress and uncertainty are significant and ongoing. 
XXXX XXXXXXXX High Credit : {$14000.00} Date Opened : XX/XX/XXXX Charge Off This charge-off is false. I have fulfilled all obligations. Reporting a false charge-off violates FCRA 1681s-2 ( b ). It has prevented me from securing loans, delayed credit card approval, and caused repeated inquiries by financial institutions. The psychological impact includes XXXX, fear of financial instability, and loss of confidence in my ability to manage finances effectively. 
XXXX XXXX XXXX XXXX : {$610.00} Date Opened : XX/XX/XXXX XXXX This collection account is false. Accurate reporting is required under FCRA 1681i. The erroneous listing has already impacted my ability to open new accounts, caused professional embarrassment, and created unnecessary stress while disputing the account with creditors. 
XXXX XXXX XXXX XXXX : {$990.00} Date Opened : XX/XX/XXXX XXXX This account is falsely reported as a collection. I have never owed this debt. Due to this error, I received repeated harassing calls and letters, causing emotional distress and XXXX. I was forced to spend hours compiling evidence to prove this account was invalid, taking time away from work and family. This misreporting disrupted my ability to secure a personal loan for urgent expenses, delayed important financial decisions, and caused embarrassment when explaining the situation to creditors. FCRA 1681i ( a ) and FDCPA 1692e require accurate reporting, yet this harmful error remains. 
XXXX XXXX XXXXXXXX High Credit : {$660.00} Date Opened : XX/XX/XXXX Collection This account is erroneously reported as a collection. I dispute this item. Because of this false reporting, I faced denial of credit applications, increased scrutiny from financial institutions, and repeated stress in clarifying my creditworthiness. Professionally, I was distracted from work duties due to the repeated time and mental energy required to dispute this account. Emotionally, I have experienced sleepless nights, XXXX, and loss of confidence. FCRA 1681i mandates proper investigation of disputed items, which is overdue. 
XXXX XXXX XXXX High Credit : {$260.00} Date Opened : XX/XX/XXXX Collection This collection entry is incorrect. I have never had a debt obligation with this entity. The misreporting led to repeated calls and letters, causing significant stress and frustration. This disruption affected my ability to focus on daily life and professional responsibilities. FDCPA 1692e prohibits reporting false debts. Financially, this error delayed my access to necessary credit, increased interest rates, and impacted my financial planning. 
XXXX XXXX High Credit : {$680.00} Date Opened : XX/XX/XXXX Collection This account is falsely reported. I have never owed this debt. The repeated collection attempts caused embarrassment, emotional distress, and interference with my professional responsibilities, as I had to respond to calls and emails during work hours. Financial institutions questioned my reliability due to this false entry, delaying important loan approvals and impacting my financial stability. FCRA 1681s-2 ( b ) and FDCPA 1692e require accurate and verified reporting. 
XXXX XXXX XXXX High Credit : {$640.00} Date Opened : XX/XX/XXXX Collection This account is inaccurately listed as a collection. I have either fully satisfied this account or have no record of debt. The misreporting caused loan application denials, raised unwarranted questions from lenders, and created constant stress and XXXX. Professionally, I was distracted and forced to spend hours documenting and disputing this account. The financial and emotional impact is ongoing. FCRA 1681i requires all disputed items to be verified and corrected if inaccurate. 
XXXX XXXX XXXX High Credit : {$0.00} Date Opened : XX/XX/XXXX Charge Off This account is erroneously reported as a charge-off. I have no outstanding debt with this credit union. As a result, I faced loan denials and extra scrutiny from lenders. Emotional impacts include sleepless nights, panic over delayed applications, and ongoing stress while gathering documentation to dispute the account. Misreporting violates FCRA 1681s-2 ( b ), and the disruption to my daily life has been significant. 
XXXX XXXX High Credit : {$110.00} Date Opened : XX/XX/XXXX Late Payment This late payment is inaccurately reported. I have always paid on time. False reporting delayed approval for urgent small loans, increased interest rates, and caused repeated questioning from financial institutions. The emotional impact includes XXXX, stress, and frustration, as well as reduced confidence in my ability to manage finances. FDCPA 1692e prohibits false reporting, and FCRA 1681i requires verification of disputed accounts. 
XXXX XXXX High Credit : {$530.00} Date Opened : XX/XX/XXXX Charge Off This charge-off is falsely reported. I have never defaulted. The misreporting caused denied loans, repeated inquiries, and constant emotional distress. Professionally, I had to explain the situation to potential lenders, colleagues, and even family members. Financially, it delayed payments and disrupted my budgeting. The experience caused stress, XXXX, and frustration, impacting both personal and professional life. Misreporting violates FCRA 1681s-2 ( b ) and FDCPA 1692e. 
XXXX XXXX XXXX High Credit : {$0.00} Date Opened : XX/XX/XXXX Charge Off This charge-off is incorrectly reported. I have never defaulted. The misreporting caused loan denials, stress, and repeated documentation efforts to prove my financial responsibility. Professionally, I had to spend time away from work addressing this error. Emotionally, it caused XXXX, embarrassment, and ongoing frustration while trying to maintain my creditworthiness. FCRA 1681i requires that disputed items be verified and corrected. 
XXXX XXXXXX/XX/XXXX Inquiry This inquiry is inaccurate and unauthorized. It has negatively impacted my creditworthiness, delaying loan applications and creating unnecessary financial stress. Emotionally, it caused XXXX  over potential misuse of my personal information and wasted hours trying to verify and dispute the entry. FCRA 604 ( a ) ( 3 ) requires verification of all inquiries. 
XXXX XX/XX/XXXX Inquiry This inquiry was not authorized and has harmed my credit profile. The result includes loan delays, higher interest rates, and professional embarrassment when explaining credit history to lenders. Emotionally, this created frustration, XXXX, and persistent concern for my financial reputation. FCRA 604 ( a ) ( 3 ) requires proper authorization for inquiries. 
The cumulative effect of these inaccurate accounts and unauthorized inquiries has been significant financial hardship, repeated stress, emotional distress, and disruption to daily and professional life. I have spent countless hours documenting, disputing, and contacting creditors, yet the errors persist. 
I request that the CFPB investigate all items listed above, ensure that all inaccurate, unverifiable, and unauthorized entries are corrected or removed immediately, and provide written confirmation once the corrections are completed. Failure to address these errors will compel me to pursue all available legal remedies under FCRA and FDCPA, including complaints with federal and state authorities.

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