Consumer complaint received 2025-08-19 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:
I am filing this complaint becauseXX/XX/XXXX is reporting multiple inaccurate and harmful items on my credit file in violation of my rights under the Fair Credit Reporting Act ( FCRA ). These errors have lowered my score, created financial hardship, and made it difficult for me to access credit, housing, and other basic opportunities. Despite disputing these items,XX/XX/XXXX has continued to report them without proper correction or verification. 

FirstXX/XX/XXXXis reporting wrong addresses on my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX I have never lived at either of these addresses. Linking me to addresses that are not mine is a violation of FCRA 607 ( b ), which requires XX/XX/XXXX to ensure maximum possible accuracy. These false addresses create confusion about my identity and raise suspicion with lenders, unfairly making me look unstable or deceptive. 

Next,XX/XX/XXXX is reporting a XXXXXX/XX/XXXX account ( Date Opened : XX/XX/XXXX, XXXX : {$17000.00} ) with late payments that are inaccurate. During the time they claim I was delinquent, I was going through medical hardship and reached out to the creditor for assistance. Despite this, my report still shows late payments. This violates FCRA 611 ( a ), which requires reinvestigation of disputed items, and FCRA 623, which prohibits furnishers from reporting inaccurate information. These late payments do not reflect the reality of my situation and are unfairly damaging my score. 

XX/XX/XXXX is also reporting several charge-off accounts that are inaccurate, unverifiable, or even duplicated : XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX, Balance : {$7900.00} ) XX/XX/XXXX ( Date Opened : XX/XX/XXXX, Balance : {$990.00} ) XX/XX/XXXX( Date Opened : XX/XX/XXXX, Balance : {$1800.00} ) XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$10000.00} ) XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2900.00} duplicate account ) XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, Balance : {$11000.00} ) The duplicate XXXX XXXX account is especially harmful, because XX/XX/XXXXXX/XX/XXXX is reporting it twice, making it appear as if I had two separate defaults. This unfairly multiplies the damage on my credit report. Reporting duplicates violates FCRA 607 ( b ).

For each of these charge-offs, I was dealing with serious hardships, including job loss and medical expenses. I communicated with my creditors and sought solutions, but instead of reflecting those efforts, XX/XX/XXXX has reported the most damaging status. Under FCRA 611 ( b ), XX/XX/XXXXmust obtain proper verification from furnishers when an account is disputed. To date, they have not provided me with any documentation, yet the negative items remain on my report. 

FinallyXX/XX/XXXX is reporting an unauthorized inquiry from XXXX on XX/XX/XXXX. I never gave XXXX permission to access my credit file. This violates FCRA 604 ( a ) ( 3 ), which requires inquiries to be authorized or have a permissible purpose. Unauthorized inquiries lower my score and make it appear as if I am aggressively seeking credit when I am not.

These inaccuracies have caused me significant harm. I have been denied credit, offered higher interest rates, and faced unnecessary stress. My ability to secure housing, reliable transportation, and other opportunities has been unfairly affected. XX/XX/XXXX has failed to uphold its duty under the FCRA to ensure fair and accurate reporting. 

I am requesting that the CFPB investigate XXXX practices, require a proper reinvestigation of my disputes, and ensure that these inaccurate and unverifiable items are permanently removed 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 explanation