Consumer complaint received 2025-08-11 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 regarding multiple inaccurate and unverifiable negative items being reported on my credit file, which violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically Sections 1681e ( b ), 1681i, and 1681s-2 ( b ). These violations have caused me severe financial harm, damaged my credit reputation, and hindered my ability to obtain credit. Immediate action is required to investigate and remove these inaccurate records. 
XXXX XXXX Ct XXXX XXXX, XXXX, TX XXXX Issue : This is not now, nor has it ever been, my address. Its inclusion on my consumer report is inaccurate and misleading. 
Law Violated : FCRA 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy ; FCRA 1681i Failure to delete after dispute. 
Story : I have never lived at this address, never received mail here, and have no connection to the property. Its presence has caused confusion for lenders, suggesting instability in my residential history. This has directly contributed to loan denials and suspicion from creditors who think I XXXX be using multiple addresses to obtain credit. 
XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Issue : Incorrect and unauthorized address listed on my credit report. 
Law Violated : FCRA 1681e ( b ), 1681i. 
Story : I have never applied for credit or conducted any financial transaction from this address. This incorrect listing could be the result of a mixed or merged file with another consumer, which is a known serious issue under the FCRA. This has harmed my credibility and created a false impression of address instability. 
XXXX XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX High Credit {$300.00} Charge-off Issue : Account falsely reported as charged off. 
Law Violated : FCRA 1681s-2 ( b ) ; FDCPA 807 ( 8 ).

Story : This account was never in default. The false charge-off entry caused my score to drop and resulted in the denial of a recent credit card application. Despite sending dispute letters, the furnisher failed to provide documentation or correct the report, showing willful noncompliance XXXX XXXX  Account XXXX XXXX Open Date XX/XX/XXXX High Credit {$300.00} Charge-off Issue : Inaccurate charge-off reporting. 
Law Violated : FCRA 1681s-2 ( a ), 1681s-2 ( b ).

Story : I never defaulted on this account, and I suspect identity theft or a mixed file. The furnisher ignored my written validation requests, forcing me to deal with collection harassment and lost financial opportunities. 
XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX High Credit {$750.00} Charge-off Issue : Incorrectly listed as a charged-off account. 
Law Violated : FCRA 1681e ( b ) ; FDCPA 809 ( b ).

Story : No proof of default has ever been provided. This false status has made it nearly impossible for me to obtain favorable financing terms for essential purchases like a vehicle. 
XXXX XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX High Credit {$1200.00} Charge-off Issue : Account was fully paid, but reported as charged off. 
Law Violated : FCRA 1681n Willful noncompliance.

Story : The creditors records are clearly outdated or inaccurate, yet they continue to damage my credit by listing a false charge-off. This has caused unnecessary embarrassment and financial loss. 
XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX High Credit {$4000.00} Charge-off Issue : Debt is disputed and unverified. 
Law Violated : FDCPA 809 ( a ) ; FCRA 1681s-2 ( b ).

Story : I repeatedly requested validation of this debt, but none was provided. Yet the account remains, tarnishing my reputation and affecting my employment background checks. 
XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge-off Issue : High credit of {$0.00} contradicts charge-off status. 
Law Violated : FCRA 1681e ( b ).

Story : This nonsensical entry reflects gross negligence in reporting. It is impossible to charge off a {$0.00} balance, making this clearly inaccurate and harmful. 
XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge-off Issue : Contradictory reporting with no proof. 
Law Violated : FCRA 1681s-2 ( b ).

Story : My disputes have been ignored, and the false entry continues to impact my creditworthiness, showing a complete disregard for consumer protection laws. 
XXXX  Account Number XXXX Open Date XX/XX/XXXX High Credit {$450.00} Charge-off Issue : Charged-off status without prior notice. 
Law Violated : FDCPA 807 ( 10 ) ; FCRA 1681s-2 ( b ).

Story : I was never notified of any delinquency or default. This surprise negative mark caused a denial for a personal loan I urgently needed for medical expenses. 
XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge-off Issue : Impossible charge-off of {$0.00} balance.

Law Violated : FCRA 1681e ( b ).

Story : This clearly inaccurate entry suggests total disregard for accuracy obligations under the law. 
XXXX Account Number XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge-off Issue : Illogical reporting with no debt amount. 
Law Violated : FCRA 1681e ( b ).

Story : This error has been on my report for years, despite my disputes, showing that the CRA is not following reasonable procedures. 
XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment Issue : False late payment record. 
Law Violated : FCRA 1681e ( b ).

Story : I have never made a late payment to this creditor. This misinformation caused my insurance premiums to rise due to perceived higher financial risk. 
XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX High Balance {$4600.00} Collection Issue : Debt is unverified and disputed. The furnisher has failed to provide proof of ownership, contractual agreement, or itemized statement. 
Law Violated : FDCPA 809 ( a ) ( failure to provide debt validation ) ; FCRA 1681s-2 ( b ) ( failure to correct inaccurate information ). 
Story : I never received any communication about this alleged debt prior to its appearance on my credit report. My written validation request went unanswered, yet they continued reporting. This has caused my auto loan application to be denied, forcing me to rely on unreliable transportation for work. 
XXXX  Account Number XXXX Date Opened XX/XX/XXXX High Balance {$2300.00} Collection Issue : No evidence that this debt belongs to me ; possible case of identity theft. 
Law Violated : FCRA 1681e ( b ) ; FDCPA 807 ( 8 ) ( false credit reporting ). 
Story : I have no recollection or records of doing business with this creditor. The CRAs continued reporting of this account, even after dispute, is a clear violation. This inaccurate account has already cost me approval for a new credit card, which I needed to consolidate other debts. 
XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX High Balance {$2300.00} Collection Issue : Inaccurate and unverified reporting. 
Law Violated : FDCPA 809 ( b ) ; FCRA 1681i.

Story : I disputed this account as not mine, yet no proof was provided. Still, the CRA keeps publishing this damaging entry. This false information has triggered higher interest rates from lenders, adding unnecessary financial burden. 
XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX High Balance {$1700.00} Collection Issue : Duplicate reporting from same collection agency. 
Law Violated : FCRA 1681e ( b ) ; FDCPA 807 ( 2 ) ( A ) ( misrepresentation of debt amount or existence ).

Story : This is either the same debt as the other XXXX account or a result of mixed files. Having duplicate collections inflates my debt profile and unfairly damages my credit standing. 
XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX High Balance {$1500.00} Collection Issue : No validation of debt provided despite multiple requests. 
Law Violated : FDCPA 809 ( a ) ; FCRA 1681s-2 ( b ).

Story : This account appeared suddenly on my report with no prior contact. The lack of proof makes it impossible for me to confirm its legitimacy, yet the damage to my score is immediate and ongoing. 
XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX High Balance {$800.00} Collection Issue : Duplicate account reporting from same furnisher. 
Law Violated : FCRA 1681e ( b ) ; FDCPA 807 ( 2 ) ( A ).

Story : Reporting the same account twice creates a misleading debt load and suggests greater financial delinquency than actually exists. This practice is deceptive and harmful. 
XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX High Balance {$670.00} Collection Issue : Unverified debt ; no proof of original creditor or agreement. 
Law Violated : FDCPA 809 ( a ) ; FCRA 1681s-2 ( b ).

Story : Without proper documentation, this entry should not be on my report. Yet it remains, making it harder for me to obtain housing and fair loan terms. 
XXXX Account Number XXXX Date Opened XX/XX/XXXX High Balance {$540.00} Collection Issue : No evidence of debt validity provided; possible erroneous entry. 
Law Violated : FDCPA 809 ( b ) ; FCRA 1681e ( b ).

Story : I have never done business with this entity. The inclusion of this false debt has damaged my trust with financial institutions and made future borrowing extremely difficult. 
XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX High Balance {$510.00} Collection Issue : Debt buyer reporting without proof of assignment or ownership. 
Law Violated : FDCPA 807 ( 8 ) ; FCRA 1681s-2 ( a ). 
Story : XXXX has a known history of buying old, unverifiable debts. They have failed to provide me any contract or statement linking me to this account. Yet this entry has already cost me a major retail store credit approval. 
XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX High Balance {$240.00} Collection Issue : Small-dollar but harmful false debt. 
Law Violated : FCRA 1681e ( b ) ; FDCPA 807 ( 2 ) ( A ).

Story : Even though this amount is low, the impact on my credit score is disproportionately high. I have never owed this debt, but the CRAs negligence allows it to remain. 
XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX High Balance {$110.00} Collection Issue : Duplicate reporting from the same debt buyer. 
Law Violated : FCRA 1681e ( b ) ; FDCPA 807 ( 2 ) ( A ).

Story : This duplication makes my credit file appear more delinquent than it is, scaring off potential lenders and increasing my cost of credit. 
XXXX XX/XX/XXXX Inquiry Issue : I never applied for any credit or loan with XXXX on or around XX/XX/XXXX. This is an unauthorized hard inquiry that violates FCRA 604 ( a ) ( 2 ) which requires written consent from the consumer before pulling a credit report for credit-related purposes.

Law : FCRA 604 ( a ) ( 2 ), FCRA 616, and FCRA 617 pulling a credit report without permissible purpose is a violation subject to civil liability, actual damages, punitive damages, and attorneys fees. 
Story : I had no dealings or communications with CPS in any capacity. This inquiry appears to be related to predatory lending or unauthorized marketing practices. The presence of this inquiry has lowered my credit score and may have caused lenders to perceive me as seeking excessive credit, which is untrue. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : No credit application or business transaction occurred with XXXX XXXX. The inquiry was performed without any legal basis or consumer consent. 
Law : FCRA 604 ( a ) ( 3 ) ( A ) and 604 ( f ) credit reports may only be obtained for a transaction initiated by the consumer. 
Story : I have no financial accounts, loans, or credit requests with XXXX XXXX. This inquiry is harming my creditworthiness and is part of a troubling pattern of unauthorized credit pulls. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : I did not visit, apply for financing with, or otherwise engage in any transaction with XXXX XXXX XXXX XXXX on or near this date. 
Law : FCRA 604 ( a ) ( 2 ) and 604 ( a ) ( 3 ) ( F ) ( i ) no permissible purpose existed to obtain my credit report.

Story : This appears to be a dealer-related credit pull, possibly from a third-party sharing my personal data without authorization. It is an invasion of my privacy and has contributed to an unnecessary drop in my score. 
XXXX XX/XX/XXXX Inquiry Issue : XXXX Bank had no reason to access my credit file because I never submitted an application to them on this date. 
Law : FCRA 604 ( b ) requires prior written consent from the consumer for credit pulls. 
Story : I have never had an account with XXXX nor have I initiated contact. This unauthorized inquiry is damaging my ability to secure affordable credit terms. 
Under the Fair Credit Reporting Act, I am entitled to dispute inaccurate information and have it removed if unverifiable or erroneous. Continued reporting of these inaccurate accounts and addresses constitutes willful noncompliance and I reserve the right to take further legal action, including filing complaints with the Federal Trade Commission ( FTC ), State Attorney General, and pursuing damages in federal court under 15 U.S.C. 1681n.

I request written confirmation from all credit reporting agencies that these items have been removed from my credit file within the statutory 30-day investigation period.

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