Consumer complaint received 2025-08-15 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: GA

Complaint narrative:
Dear CFPB Investigator, I am submitting this formal complaint against [ Credit Bureau Name ] and certain furnishers of information for reporting, maintaining, and failing to correct multiple inaccurate and unauthorized entries on my credit file in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ). 
These inaccuracies have caused measurable harm, including reduced credit scores, higher interest rates, denial of credit opportunities, and reputational damage. The credit bureau has failed in its obligations to maintain maximum possible accuracy ( 1681e ( b ) ) and to conduct a reasonable reinvestigation of disputed items ( 1681i ). Several furnishers have also violated their duty under 1681s-2 ( a ) to avoid reporting information they know or should know is inaccurate. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address Issue : This address is not now, nor has it ever been, associated with me. 
Law : FCRA 1681c ( a ) ( 4 ) prohibits the inclusion of inaccurate address information in a credit report. 
Story : I have never lived, worked, or conducted any personal or financial activity at this location. Its presence on my credit file is misleading and could result in my being linked to debts, criminal records, or judgments that belong to someone else. This is especially concerning because inaccurate addresses are often an early indicator of identity theft. Every time I apply for credit or housing, the false appearance of this XXXX address undermines my credibility and forces me to explain to lenders why my report contains data that is simply not mine. This has caused embarrassment during loan applications and delays in approvals, wasting valuable time and resources. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address Issue : Incorrect historical address. 
Law : FCRA 1681i requires the credit bureau to investigate and delete unverifiable address records. 
Story : I have no personal or professional connection to this address. The fact that it is showing up on my credit report could link me to accounts or public records that are fraudulent. I have already had a mortgage lender question me about why I have multiple Michigan addresses when my documented history shows otherwise. This is humiliating and financially damaging, as I have lost potential opportunities due to the appearance of instability or deception in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Issue : False association. 
Law : FCRA 1681e ( b ) mandates maximum possible accuracy in consumer reports. 
Story : I have never lived in Texas at this location, yet your system reports it as part of my history. This is not only inaccurate but also dangerous, because it makes me appear to have lived across the country in unrelated states, potentially linking me to unpaid debts or court judgments in Texas that have nothing to do with me. When a bank underwriter sees this, they may suspect fraud or instability, both of which can result in application denial. 
TBOM/ASPIRE Account # XXXX High Balance : {$1300.00} Late Payment Issue : Payment history inaccurately reported as late. 
Law : FCRA 1681s-2 ( a ) prohibits furnishing information known to be inaccurate. 
Story : I maintain meticulous payment records, and they show that my payments were made on time. This false late payment entry paints me as an unreliable borrower, causing interest rate increases and loan denials. The harm is measurable my score has dropped, and I was recently denied an auto refinance offer as a direct result. 
XXXX Account # XXXX * High Balance : {$770.00} Late Payment * * Issue : False late payment reporting. 
Law : FCRA 1681e ( b ) and 1681i require accuracy and reinvestigation. 
Story : I have documentation showing I was never late on this account. Yet, because of this inaccuracy, I was offered a credit card with a {$500.00} limit instead of the {$5000.00} I qualified for based on my income, solely because my credit profile shows a late payment that never occurred. 
XXXX XXXX XXXX Account # XXXX High Balance : {$42000.00} Late Payment * * Issue : Inaccurate delinquency. 
Law : FCRA 1681s-2 ( b ) requires furnishers to correct and update inaccurate data.

Story : This entry shows a delinquency that never happened. I have proof of payments, but your system continues to show me as late. This has prevented me from being approved for a mortgage with competitive rates, costing me thousands in potential interest savings. 
XXXX Account # XXXX XXXX XXXX : {$14000.00} Charge-off * * Issue : Debt marked as charged-off in error. 
Law : FCRA 1681i mandates prompt correction or deletion.

Story : I never defaulted on this account, and I was never provided any official charge-off notice. This entry is not only false but also extremely damaging, as charge-offs are XXXX of the most severe derogatory marks a person can have. 
XXXX XXXX Account # XXXX * High Balance : {$2300.00} Duplicate Collection * * Issue : Duplicate reporting of same debt. 
Law : FCRA 1681e ( b ) prohibits duplicate negative entries for the same obligation. 
Story : This is the same debt as above, yet it appears twice, doubling the negative impact on my score. This is not only unfair but also deceptive, as it creates the appearance that I have more unpaid debts than I actually do. 
XXXX XX/XX/XXXX Inquiry Issue : Unauthorized hard inquiry. 
Law : FCRA 1681b ( a ) limits inquiries to those with permissible purpose. 
Story : I did not apply for credit with this company on this date, making this an unauthorized credit pull that lowered my score without my consent. 
XXXX XX/XX/XXXX XXXX XXXX : Unpermitted credit pull. 
Law : FCRA 604 ( a ) requires permissible purpose. 
Story : No credit application was made to this company, yet they accessed my file, violating my privacy. 
XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquiries Issue : Multiple unauthorized credit checks. 
Law : FCRA 604 ( a ) & 616 for willful noncompliance. 
Story : None of these companies had my permission to pull my credit. The result has been multiple hard inquiries that falsely make it appear as if I am aggressively seeking credit, which lowers my score and makes me appear financially desperate. 
Requested Resolution I request the CFPB to : XXXX. Compel the credit bureau to delete all inaccurate addresses, account entries, and unauthorized inquiries listed above. 
XXXX. Direct the furnishers to provide documented proof of accuracy or immediately retract their reporting. 
XXXX. Ensure all violations are documented for potential legal action under FCRA 616 and 617. 
XXXX. Require a corrected credit report to be sent to me and all recent recipients of the inaccurate report. 
Conclusion The ongoing reporting of false, unverifiable, and unauthorized information on my credit file has caused significant financial and personal harm. I urge the CFPB to take immediate action to enforce compliance with federal law and restore the integrity of my credit history.

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