Consumer complaint received 2025-09-05 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 to the Consumer Financial Protection Bureau against multiple creditors, servicers, and debt collectors who are reporting false, inaccurate, incomplete, and misleading information to the credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws. These violations are causing me severe financial harm, emotional distress, and are preventing me from accessing fair credit opportunities. 

1. Wrong Address Reporting XXXX XXXX XXXX, TX XXXX Wrong Address This address has been falsely reported and does not belong to me. Reporting an inaccurate address is a direct violation of FCRA Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires furnishers to ensure maximum possible accuracy. Such misinformation places me at risk of identity theft, misrepresentation, and unfair profiling.

2. Accounts with Inaccurate Late Payments, Charge-Offs, and Collections The following accounts are being inaccurately reported, many showing late payments, charge-offs, or collections that are either unverifiable, outdated, or reported in violation of federal law XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$250000.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX XXXX  High Balance : {$500.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX  High Balance : {$1000.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX XXXX High Balance : {$350.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$380.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX XXXX  High Balance : {$550.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXXXXXX XXXX XXXX  High Balance : {$480.00} Date Opened : XX/XX/XXXX Late Payment XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$1000.00} Date Opened : XX/XX/XXXX Charge Off XXXXXXXX XXXX  XXXX XXXX XXXX High Balance : {$7900.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXX XXXX XXXX High Balance : {$980.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$2600.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$580.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$50000.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX High Balance : {$15000.00} Date Opened : XX/XX/XXXX Late Payment XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Charge Off DPT EDXXXX XXXXXXXX XXXX XXXX  High Balance : {$5500.00} Date Opened : XX/XX/XXXX Late Payment DPT EDXXXX XXXXXXXX XXXX XXXX High Balance : {$7000.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$3700.00} Date Opened : XX/XX/XXXX Late Payment DPT EDXXXX XXXXXXXX XXXX XXXX High Balance : {$6300.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXX XXXX XXXX  High Balance : {$420.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXX High Balance : {$4400.00} Date Opened : XX/XX/XXXX Collection 3. Legal Basis for Complaint FCRA Section 602 ( A ) ( 1-2 ) [ 15 U.S.C. 1681 ] : Requires fair and accurate credit reporting practices to protect consumers.

FCRA Section 611 [ 15 U.S.C. 1681i ] : Requires credit reporting agencies and furnishers to properly investigate disputed information.

FCRA Section 623 [ 15 U.S.C. 1681s-2 ] : Prohibits furnishers from reporting inaccurate or unverifiable information.

FDCPA Section 807 [ 15 U.S.C. 1692e ] : Prohibits false, deceptive, or misleading representations in connection with debt collection.

Truth in Lending Act ( TILA ) : Requires accurate disclosures of credit terms and forbids misrepresentation.

The repeated reporting of false late payments, charge-offs, and unverifiable collections is a clear violation of my rights under these laws. The creditors and collectors have failed to maintain accurate records, failed to provide proper verification, and have knowingly reported damaging information that has caused me financial harm, credit denial, and emotional distress.

4. Requested Action I respectfully request that the CFPB : Investigate each listed creditor and collector for violations of the FCRA, FDCPA, and TILA.

Direct the immediate removal or correction of all inaccurate, unverifiable, and misleading information from my credit reports.

Impose penalties and corrective measures against creditors and collectors who knowingly violated the law.

Ensure that all credit reporting agencies are notified of these corrections to restore accuracy and fairness in my credit profile.

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