Consumer complaint received 2025-07-26 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: NY

Complaint narrative:
I am filing this complaint because I am facing serious issues with the accuracy and integrity of the information being reported on my TransUnion credit report. Several accounts and inquiries have been listed that I either do not recognize, were never properly validated, or have been reported incorrectly. Despite not receiving proper communication from creditors or debt collectors, these items have been damaging my credit and making it difficult for me to rebuild financially.

One of the first issues I noticed was the inclusion of an incorrect address XXXX XXXX XXXX XXXX, XXXX, NY XXXX which is not my valid or current residence. I have no association with this address, yet it has been added to my report, raising concerns about potential file mixing or identity errors. 

There is also a tradeline from XXXX XXXX, account number ending in XXXXXXXX XXXX XXXX opened on XX/XX/XXXX, showing a balance of {$4800.00} with late payments. I dispute these reported delinquencies because I have never been provided evidence of the exact dates and amounts allegedly missed, and I believe the reporting to be inaccurate or misleading. In another account from XXXX, number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and showing a balance of {$0.00}, a late payment is still being reported, which makes no sense considering the account has been paid and closed. Reporting a derogatory mark on a zero-balance account is not only unfair but creates an inaccurate impression of my payment history. 

A collection account from XXXX, original creditor being TXXXX XXXX XXXX XXXX XXXXith account number XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX, and balance {$2400.00}, has been listed on my report. I have never received a debt validation letter or any form of communication from either the original creditor or the collector. Similarly, a collection placed by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and balance {$790.00}, was never validated either. I was not informed of this debt nor given the opportunity to verify or dispute it before it was reported. 

There is also a medical or insurance-related collection from XXXX XXXX, original creditor XXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX, showing a balance of {$190.00}. Again, no bill or notice was ever sent to me from XXXX. This collection was placed without my knowledge or consent, and I had no opportunity to resolve it before it appeared on my credit file. 

Additionally, there is a charge-off listed under XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$0.00}. It makes no sense for a charge-off to reflect a XXXX balance and still be considered derogatory. If the balance is paid or canceled, this account should not continue to hurt my credit. Another charge-off is from XXXX, account XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, also reporting {$0.00}. I do not recall opening or using such an account, and no supporting documentation has been provided to prove it belongs to me. 

XXXX charge-offs are reported from XXXX XXXX XXXX, account XXXXXXXX XXXX XXXX XXXX XXXX  with XXXX opened on XX/XX/XXXX and a balance of {$830.00}, and another opened on XX/XX/XXXX with a balance of {$1300.00}. These appear to be duplicate or overlapping entries, inflating my negative items unfairly. I also found a charge-off from XXXX, account XXXXXXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX, with a balance of just {$55.00}. For such a small balance, I was never contacted about any issue, and it was simply charged off and reported negatively without allowing me the chance to resolve or even acknowledge it. 

To make matters worse, I found several hard inquiries on my credit report that I never authorized. These include an inquiry from XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. I have never applied for any credit with these companies, and they accessed my credit without my knowledge or consent. These inquiries are hurting my score and were made without a permissible purpose as required by law. 

All of these issues combined have significantly impacted my ability to maintain a good credit score. Many of these accounts were reported without validation, without consent, or in ways that violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have not been given the opportunity to verify or dispute these debts before they were reported, and I believe these practices are both harmful and unlawful. Im requesting the CFPBs help in ensuring that TransUnion and the data furnishers involved are held accountable and required to remove any unverifiable, incorrect, or unauthorized information from my 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 non-monetary relief