Consumer complaint received 2025-08-13 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:
I am submitting this formal complaint regarding numerous inaccuracies on my credit report that are severely affecting my financial standing, creditworthiness, and ability to obtain fair credit. These errors violate the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ), 1681i, 1681s-2 ( b ), and other applicable federal laws. I demand immediate investigation and correction of all inaccurate information. Below I have provided details of each disputed item, the applicable law, and an explanation of the factual circumstances. 
Address Disputes : Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Incorrect address linked to my file.

Law : FCRA 607 ( b ) Accuracy requirement.

Story : I have never resided at or conducted any personal or financial activity from this address. This false entry risks associating my credit file with unrelated individuals or debts, leading to wrongful denials and reputational harm. 
Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Issue : Unrelated mailing address reported on my file.

Law : FCRA 611 ( a ) Must remove unverifiable information.

Story : I have never rented, owned, or used this P.O. Box. Its presence creates a significant risk of mixed credit files, where another persons negative accounts may be wrongly attributed to me. 
Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Issue : Inaccurate residential history.

Law : FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishing false information.

Story : This address belongs to someone else. I have no legal, residential, or business connection to it. Keeping it in my report serves no valid purpose and increases the chance of identity confusion. 
Account Disputes : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$65000.00} Late Payment * * Issue : This account is inaccurately reporting late payments which I dispute as incorrect. 
Law : Under the Fair Credit Reporting Act ( FCRA ) 1681i, credit reporting agencies must investigate disputed information and remove or correct any item that is incomplete, inaccurate, or unverifiable.

Story : I have consistently maintained timely payments on this mortgage and have records, including bank statements and cleared checks, to support that no payment was ever late beyond the grace period allowed in the loan terms. The alleged late payment appears to have resulted from an internal processing error at the servicers end, where my payment was received but not credited promptly. Such inaccuracies not only misrepresent my payment history but also cause significant harm to my credit standing, which directly impacts my ability to refinance or secure better interest rates. This false reporting constitutes a violation of FCRA requirements for accurate and verifiable data and is damaging my financial stability and credibility. 
XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Issue : This account is reporting as a charge-off despite showing a {$0.00} balance, which is inconsistent and misleading.

Law : FCRA 1681e ( b ) mandates that consumer reporting agencies maintain maximum possible accuracy in credit reports.

Story : The report indicates a charge-off status while simultaneously reflecting a {$0.00} balance, which is contradictory and suggests the debt was either paid in full, settled, or never valid to begin with. If the account was indeed settled, the charge-off status should have been updated accordingly to reflect its true, resolved nature. Such an inconsistency damages my credit profile by implying I defaulted on an account that I have no current financial obligation toward. This misleading status can influence credit decisions against me, leading to unjust denials and higher interest rates. It is imperative that this inaccuracy be corrected or removed entirely as required by the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} Chargeoff * * Issue : The account is showing as charged off, but the amount reported is not accurate and the charge-off designation is disputed.

Law : FCRA 1681i and 1681s-2 require that furnishers and reporting agencies ensure accuracy and conduct thorough reinvestigation when disputes are raised. 
Story : I had been in contact with XXXX regarding this account and made payment arrangements that were acknowledged but not reflected in the credit report. The charge-off notation and balance appear to disregard partial payments already made, which reduced the outstanding amount before the alleged charge-off date. This inaccurate depiction portrays me as having abandoned my financial obligations, which is untrue. Such reporting not only fails to meet accuracy standards but also disregards the impact on my ability to secure future credit. The misreporting is both harmful and legally non-compliant. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$540.00} Chargeoff Issue : The charge-off status is reported without complete verification of debt validity.

Law : Under FCRA 1681i and the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), disputed debts must be verified before being reported.

Story : I never received proper validation of this debt from XXXX XXXX, nor was I given the opportunity to dispute it directly before it was reported as a charge-off. In addition, the amount stated does not match any statement or record in my possession, leading me to believe that fees or charges were improperly applied. The lack of documented evidence from the creditor and failure to validate the debt before reporting it to TransUnion make this an unverified and harmful entry that must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} Chargeoff * * Issue : The account reports a charge-off status despite being under active dispute with the original creditor.

Law : FCRA 1681i ( a ) ( 3 ) and 1681s-2 ( a ) ( 3 ) prohibit reporting disputed debts without marking them as disputed. 
Story : I initiated a formal dispute with XXXX XXXX regarding the balance and terms of this account due to several unauthorized fees that inflated the balance. Despite my ongoing dispute, the creditor reported the account as a charge-off without indicating it was under dispute, violating my rights under the FCRA. This not only misleads future lenders but also shows a clear disregard for legal reporting obligations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Issue : Reporting as charged off despite no balance owed.

Law : FCRA 1681e ( b ) requires maximum possible accuracy ; FDCPA 807 ( 8 ) prohibits communicating credit information known to be false
.

Story : This account shows a {$0.00} balance, which indicates there is no current financial obligation. However, the report also lists the account as charged off, which misleads future creditors into believing I defaulted on a debt. A charge-off without any balance due suggests either an error, an improper settlement notation, or a resolved debt incorrectly coded. Such reporting directly harms my creditworthiness by inaccurately suggesting financial irresponsibility when no outstanding debt exists. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$100.00} Collection * * Issue : Collection status reported without proper debt validation.

Law : FDCPA 809 ( b ) and FCRA 1681i require debt verification prior to reporting. 
Story : I never received a notice from XXXX or any collection agency regarding this {$100.00} balance before it appeared on my credit report. The amount and the alleged date of delinquency do not match my service records. Without a formal validation of the debt, reporting it as a collection account is both inaccurate and harmful, as it falsely portrays me as unwilling to pay a legitimate obligation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$68.00} Collection * * Issue : Duplicate and unverifiable collection entry.

Law : FCRA 1681c-2 prohibits reporting duplicative negative information for the same obligation.

Story : This account appears to be a duplicate of the other XXXX collection account, as the dates and service provider are identical. Reporting the same alleged debt twice is misleading and artificially worsens my credit score by creating the illusion of multiple defaults. Such duplication violates my rights to fair and accurate credit reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$5300.00} Late Payment * * Issue : Late payment inaccurately reported due to processing delay by creditor.

Law : FCRA 1681i requires correction of any inaccurate information after dispute.

Story : I submitted payments on time for this account, but due to a documented processing delay within the credit union, the payment was posted after the due date. The creditors error should not reflect negatively on my payment history. This late payment notation has unjustly impacted my creditworthiness. 
XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} Chargeoff * * Issue : Amount and charge-off status disputed.

Law : FCRA 1681e ( b ) and 1681i require accurate reporting and reinvestigation upon dispute.

Story : The amount listed does not align with my records, which show several payments that reduced the balance. Reporting the full pre-payment amount as charged off without acknowledging payments is inaccurate and damaging. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Issue : Late payment reported despite {$0.00} balance and resolved status.

Law : FCRA 1681c-2 prohibits obsolete and misleading information. 
Story : An account with a {$0.00} balance that has been resolved should not continue to carry negative payment history that inaccurately portrays ongoing delinquency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Issue : Improper charge-off reporting on a zero-balance account.

Law : FCRA 1681e ( b ) mandates accuracy in consumer reports.

Story : The reported charge-off misleads creditors into believing I defaulted on a debt that does not exist. This is factually incorrect and legally noncompliant. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$120.00} Late Payment * * Issue : Disputed late payment resulting from billing error.

Law : FCRA 1681i and 1681s-2 require prompt correction of inaccurate data.

Story : This late payment entry stems from a misapplied payment by the creditor, which was later corrected in their internal records but not updated with TransUnion. 
XXXX Account XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Issue : Late payment reported after account closure and XXXX balance. 
Law : FCRA 1681e ( b ) prohibits misleading reporting.

Story : Reporting a late payment after the account was fully paid and closed misrepresents my payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$490.00} Chargeoff * * Issue : Disputed amount and charge-off status.

Law : FCRA 1681i mand

ates reinvestigation upon dispute. Story : The stated amount includes charges that were never part of my original agreement and were added without my consent. 
XXXX Account XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Issue : Late payment inaccurately reported on XXXX closed account. 
Law : FCRA 1681e ( b ) accuracy requirement.

Story : There is no legitimate basis for this late payment entry given the account was closed in good standing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$880.00} Collection * * Issue : Collection reported without prior notice or validation.

Law : FDCPA 809 ( b ) and FCRA 1681i.

Story : I never received any notice of this debt before it was reported. Without proper validation, it can not be legally reported. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$70.00} Collection * * Issue : Debt unverified and reported without notice.

Law : FDCPA 809 ( b ) and FCRA 1681i. 
Story : I dispute the validity of this debt entirely and demand removal unless full validation is provided.

Inquiry Disputes : Inquiry : XXXX XXXX XX/XX/XXXX Issue : Unauthorized hard inquiry without permissible purpose.

Law : FCRA 604 ( a ) ( 3 ) A consumer reporting agency may only provide a credit report for specific, permissible purposes authorized by the consumer or by law. 
Story : I never applied for or authorized any credit with XXXX XXXX  on this date. This inquiry was made without my consent, lowering my credit score and exposing my file to unauthorized access. 
Inquiry : XXXXXXXX XXXX  XXXX XX/XX/XXXX Issue : Hard inquiry made without my consent.

Law : FCRA 604 ( a ) ( 3 ). 
Story : I had no dealings, applications, or agreements with XXXX  XXXX XXXX at the time. This entry is unauthorized and must be deleted to prevent further score damage. 
XXXX : XXXX XXXX XX/XX/XXXX Issue : Duplicate and unauthorized inquiry.

Law : FCRA 604 ( a ) ( 3 ). 
Story : XXXX unauthorized inquiries by XXXX XXXX within days are clear indicators of either an error or attempted identity theft. I did not initiate this action. 
XXXX : XXXX XX/XX/XXXX Issue : Unapproved hard inquiry.

Law : FCRA 604 ( a ) ( 3 ). 
Story : I have no account with XXXX XXXX XXXX and no credit application was made. This is an improper access to my credit file. 
XXXX : XXXX XX/XX/XXXX Issue : Unauthorized hard pull.

Law : FCRA 604 ( a ) ( 3 ). 
Story : I have never interacted with or applied for services from XXXX. This inquiry was made without my knowledge or authorization. 
XXXX : XXXX XX/XX/XXXX Issue : Unpermitted inquiry.

Law : FCRA 604 ( a ) ( 3 ). 
Story : I had no credit request with XXXX XXXX XXXX  on this date. Its presence is damaging and violates my rights under the FCRA. 
XXXX : XXXX XX/XX/XXXX Issue : Inaccurate and unauthorized inquiry.

Law : FCRA 604 ( a ) ( 3 ). 
Story : I never applied for a XXXX  credit product with XXXX XXXX XXXX XXXX This inquiry has harmed my score without justification. 
XXXX : XXXX  XXXX XX/XX/XXXX Issue : Unapproved credit check.

Law : FCRA 604 ( a ) ( 3 ). 
Story : I did not authorize XXXX XXXX to access my report on this date. No new account or application exists in my records. 
XXXX : XXXX  XXXX XX/XX/XXXX Issue : Duplicate unauthorized inquiry.

Law : FCRA 604 ( a ) ( 3 ). 
Story : XXXX separate unauthorized XXXX  XXXX inquiries in XXXX months indicate potential fraud or reporting errors. 
XXXX : XXXX XXXX XX/XX/XXXX Issue : Unauthorized hard inquiry.

Law : FCRA 604 ( a ) ( 3 ). 
Story : I have not sought auto financing from XXXX XXXX. This inquiry was made without my consent, violating permissible purpose laws. 
I request that all inaccuracies, including false addresses, late payments, charge-offs, collections, and unauthorized inquiries, be immediately investigated, corrected, or removed as mandated by federal law. I further request written confirmation once corrections are made, along with an updated copy of my corrected 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