Consumer complaint received 2025-08-25 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:
To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau because my rights as a consumer have been violated under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. Several accounts are being reported inaccurately on my credit file. These inaccuracies are not only misleading but also unlawful, and they have caused me financial harm, repeated credit denials, higher interest rates, and emotional distress. 
XXXX XXXX XXXX, XXXX  XXXX Wrong Address This address is being reported but I have never lived at this location. Reporting an address that does not belong to me is inaccurate and misleading, violating FCRA 607 ( b ). This has caused me humiliation when lenders question whether I have been truthful about my living history. I was even asked by a potential landlord why my credit report shows this residence, which made me look dishonest and untrustworthy in a situation where I was only trying to secure housing for my family. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address is not linked to me. Reporting this violates FCRA requirements for accurate and verifiable information. The presence of this wrong address makes it appear as if I have moved frequently or used different identities, which has negatively influenced lenders to treat me as a high-risk borrower. This unfairly damaged my credibility and trustworthiness in financial dealings. 
XXXX XXXX XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX Charge Off This account is being reported as a charge off, but the reporting is inaccurate and unverifiable. FCRA 609 ( a ) requires that I be provided with complete verification of the account, including signed agreements and payment history, which has not been provided. Reporting unverifiable debts violates FCRA 607 ( b ). Because of this false charge off, I was denied a personal loan to consolidate other debts, leaving me stuck paying higher interest on multiple accounts and worsening my financial stress. 
XXXX XXXX High Balance : {$970.00} Date Opened : XX/XX/XXXX Charge Off This account is being reported as a charge off, but the reporting lacks accuracy and full verification. Failure to provide proper documentation violates my rights under FCRA 611 and 609. Because of this false entry, I was denied approval for a store card when I tried to buy essential furniture for my home, which was humiliating at the checkout counter. 
XXXX XXXX High Balance : {$18000.00} Date Opened : XX/XX/XXXX Charge Off This charge off account is inaccurate and not properly validated. Reporting unverifiable debts constitutes negligent and willful noncompliance under FCRA 616 and 617. This false report has made it impossible for me to qualify for affordable auto financing, forcing me to drive an unreliable vehicle and putting my family at risk. 
XXXX XXXX High Balance : {$27000.00} Date Opened : XX/XX/XXXX Charge Off This account is listed as a charge off, yet no complete validation has been provided. Reporting inaccurate and incomplete information violates FCRA 607 ( b ). This has cost me opportunities to obtain credit for home repairs, leaving me unable to address urgent maintenance issues that directly impact my familys safety and comfort. 
XXXX XXXX  XXXX High Balance : {$970.00} Date Opened : XX/XX/XXXX Collection This is a duplicate of the above account, which results in double reporting. Such duplications are deceptive, misleading, and violate FDCPA 807 as well as FCRA 607 ( b ). This duplicate has dragged down my credit score even further, preventing me from getting approved for affordable credit cards and keeping me trapped in financial hardship. 
Inquiries ( Unauthorized and Excessive ) On multiple dates, hard inquiries have been reported on my credit file without my authorization. Unauthorized inquiries violate FCRA 604 ( a ) ( 2 ) as they must have a permissible purpose. These inquiries are lowering my credit score and damaging my reputation unfairly. Each of the following inquiries caused harm by making me appear desperate for credit, which lenders take as a negative sign, resulting in higher interest rates or outright denials : XXXX XX/XX/XXXX XXXX : This inquiry was not authorized, and it caused my auto loan application to be flagged for fraud review. 
XXXX XX/XX/XXXX Inquiry : Unauthorized, and it added to the appearance of excessive credit seeking. 
XXXX XX/XX/XXXX Inquiry : Unauthorized, duplicating the same company already harming me with false charge offs. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry : Duplicate inquiry, compounding harm to my score. 
XXXX XX/XX/XXXX Inquiry : I never authorized this, yet it continues to appear as if I was applying for loans. 
XXXX XXXX XX/XX/XXXX Inquiry XXXX  XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry These three entries on the same day create a false appearance of multiple desperate applications, violating FCRA permissible purpose requirements. 
XXXX XXXX XX/XX/XXXX Inquiry : This debt buyer pulled my credit without authorization, violating FCRA 604. 
XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry These multiple duplicate XXXX  inquiries are excessive and damaging, reducing my score and preventing me from qualifying for fair credit offers. 
In conclusion, these accounts are inaccurate, unverifiable, and unlawfully damaging my credit file. The creditors and reporting agencies are in violation of FCRA 602, 607, 609, 611, and 623, and the collectors are in violation of FDCPA 809. These violations have caused me measurable financial damage, including credit denials, higher costs of borrowing, and emotional distress. I request that the CFPB immediately investigate these matters, enforce compliance with federal law, and require the deletion of these inaccurate accounts 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