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: TX

Complaint narrative:
XXXXTo Whom It May Concern,XXXXI am submitting this formal complaint to the Consumer Financial Protection Bureau against multiple furnishers and credit reporting agencies for the inaccurate, incomplete, duplicative, and unauthorized reporting of information on my credit profile in violation of the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq., the Fair Debt Collection Practices Act (FDCPA), and all applicable state consumer protection statutes.XXXXThese items have caused substantial damage to my credit reputation, emotional distress, and denial of financial opportunities. Despite multiple disputes, the accounts and inquiries listed below remain unverifiable and continue to be reported without compliance with the law. I am requesting that the CFPB investigate and compel the removal of these violations.XXXX XXXX XXXX XXXX XXXX XXXX   Wrong AddressXXXXIssue: This address is inaccurate and has never been associated with my residence or place of business.XXXXLaw: Under FCRA 1681i(a), credit reporting agencies must conduct a reasonable reinvestigation of disputed information, and under 1681e(b) they must ensure maximum possible accuracy.XXXXStory: Reporting an incorrect address creates the false impression of identity inconsistencies, suggesting possible fraud or misrepresentation. I have never resided at this location, nor has it ever been used in connection with any credit account. This error could mislead creditors into associating me with unrelated debts, directly harming my credit reputation and increasing the risk of identity theft. The law requires that any unverifiable address be deleted immediately.XXXX XXXX XXXX XXXX XXXX  Wrong AddressXXXXIssue: This is not my residence and has never been tied to my credit accountsXXXXLaw: FCRA 1681c(f) prohibits inclusion of outdated or incorrect personal identifiers that misrepresent a consumers identityXXXXStory: By falsely linking me to this address, the reporting agency is effectively publishing misleading personal data. Such errors can affect background checks, employment opportunities, and loan approvals. This is a clear violation of my right to accurate reporting, and the continued presence of this address without evidence is unlawful.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIssue: This charge-off is inaccurate, unverifiable, and damaging to my credit scoreXXXXLaw: FCRA 1681s-2(a)(1)(A) prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. FCRA 1681i(a) requires removal if not verified.XXXXStory: I have no record of receiving proper billing statements or validation of this debt. Without proper validation under the FDCPA 809(b), this entry cannot legally remain. Reporting this as a charge-off falsely implies that I abandoned repayment obligations, which severely harms my financial profile and credibility with lendersXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIssue: This late payment is not supported by verifiable records.XXXXLaw: FCRA 1681i and 1681e(b) require data furnishers to ensure accuracy and remove unverifiable negative marks.XXXXStory: I have consistently maintained my obligations on accounts in good faith. The alleged late payment date conflicts with my own payment records, and no documentary proof has been provided. Misreporting payment history is highly damaging to my creditworthiness and constitutes willful negligence under the law.XXXXDEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIssue: Reported late payments are inaccurate and lack documentationXXXXLaw: FCRA 623(a)(1) prohibits reporting information known to be inaccurateXXXXStory: Nelnet has not provided any certified statement or payment ledger confirming the alleged delinquencies. Such unverified reporting unfairly impacts my credit standing and is a direct violation of my right to fair and accurate credit reporting.XXXXDEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIssue: Duplicate account with the same lender, which appears to be double-reporting negative history.XXXXLaw: FCRA 1681e(b) requires avoidance of duplicate and misleading entriesXXXXStory: This duplication creates an inflated perception of delinquency, misleading lenders and worsening my credit profile beyond reality. Such duplication is prohibited unless each record can be distinctly verifiedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIssue: Unverified and improperly reported as charged-off without proper notice.XXXXLaw: FCRA 623(a)(1) and FDCPA 809(b) mandate proper validation before reporting derogatory marks.XXXXStory: This alleged debt was never properly validated to me with original contract or payment records. Reporting a charge-off without validation is an abuse of the credit reporting system and causes irreversible reputational harm.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIssue: Inaccurate balance and unverified charge-off status.XXXXLaw: FCRA 1681s-2(a) and FDCPA 809(b) apply here for accuracy and debt validationXXXXStory: No written notice of default or right to cure was provided before reporting the account as charged off. This is a procedural violation and creates an unjustly negative portrayal of my repayment habits.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIssue: Unverified and outdated negative reportingXXXXLaw: FCRA 605(a) limits the reporting period for negative items and 1681i requires deletion if unverifiable.XXXXStory: I never received supporting documentation to justify this charge-off. Continued reporting without verification is a willful disregard of my rightsXXXXDEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIssue: Payment history is inaccurately reported.XXXXLaw: FCRA 1681e(b) and 1681i(a) mandate maximum possible accuracy and reinvestigation of disputes.XXXXStory: These late payments are inconsistent with my records and without verifiable proof should be removed immediatelyXXXXDEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIssue: Duplicate reporting of a similar account from the same lender with the same balanceXXXXLaw: FCRA 1681e(b) applies against duplicative, misleading reporting.XXXXStory: This duplication is artificially damaging my credit score and creating an inflated picture of risk to creditorsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIssue: Reporting of a late payment that I dispute as inaccurate and unverifiable.XXXXLaw: FCRA  1681s-2(a)(1)(A) prohibits furnishing information known to be inaccurate; FCRA  1681i requires a proper reinvestigation; FDCPA  807 prohibits false representation of a debt status.XXXXStory: This account reflects a late payment that never occurred. Payments were made on time, and any alleged delay was due to a processing error by the creditor. I have not been provided with any written proof showing the date payment was received and applied. The current reporting is damaging my creditworthiness, impacting my ability to secure necessary financing, and causing unnecessary stress.XXXXDEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIssue: Late payment reporting beyond permissible limits and without proof of accuracy.\nLaw: FCRA  1681c(a) prohibits reporting obsolete information;  1681s-2(b) mandates furnishers to correct and update inaccurate information after dispute.XXXXStory: This student loan account is reflecting alleged late payments from several years ago. Given the age of this account and the lack of substantiating documentation from the servicer, these lates are questionable and potentially outside permissible reporting timelines. Reporting outdated or unverifiable derogatory marks is unlawful, and the burden of proof lies with the furnisher.XXXXDEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIssue: Duplicate negative reporting of the same debt in violation of FCRA.XXXXLaw: FCRA  1681i(a)(5)(B) requires removal of duplicate or merged account errors;  1681s-2(a) prohibits reporting false or duplicative information.XXXXStory: This is the same loan as above, but it is being reported as a separate account with late payments. This creates a false impression of multiple delinquencies and artificially depresses my credit score. The duplicate reporting is misleading, violates federal law, and must be corrected.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIssue: Collection account reported without proper debt validationXXXXLaw: FDCPA  809(b) requires debt collectors to provide written validation before collection; FCRA  1681s-2(a) prohibits furnishing unverified dataXXXX XXXX XXXX XXXX  has reported this collection without providing any original creditor information, signed agreements, or payment history. Without such validation, this entry cannot remain on my credit report under federal law.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIssue: Inaccurate collection reporting with missing documentation.XXXXLaw: FDCPA  807 prohibits misleading representations; FCRA  1681i requires reinvestigation.XXXXStory: This collection account appeared suddenly on my report with no prior notice or opportunity to dispute. I have never received validation, and this violates my right to due process under federal consumer protection statutes.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple hard inquiries without my authorization or permissible purpose.XXXXLaw: FCRA  1681b outlines permissible purposes for credit pulls; unauthorized inquiries must be removed immediatelyXXXXStory: These inquiries were never authorized by me and have no legitimate business need connected to an application for credit, insurance, or employment. Their presence damages my credit score and misrepresents my credit-seeking behavior. I demand immediate removal unless verifiable proof of my consent is providedXXXX XXXX request that the CFPB investigate these violations, require the furnishers and credit reporting agencies to provide full documentation proving accuracy and legality, and delete any item that cannot be verified according to the FCRA and FDCPA.XXXXFailure to address these issues appropriately will leave me no choice but to pursue further legal remedies. My rights under federal law are clear, and I expect compliance.'

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