Consumer complaint received 2025-08-08 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: NV

Complaint narrative:
CFPB COMPLAINT I am filing this complaint because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) have been repeatedly violated through the reporting of unauthorized, inaccurate, and fraudulent inquiries on my credit file. These inquiries have been placed without my knowledge, authorization, or permissible purpose under federal law. I have suffered emotional distress, denial of credit opportunities, higher interest rates, and reputational harm as a result of these unlawful actions. I am demanding the immediate removal of these inquiries, a thorough investigation, and written confirmation of compliance with all applicable laws. 
XXXX XXXX XXXX XXXX, NV XXXX Issue : Address inconsistency detected in records. The use of this address in reporting fails to correspond with my current or former places of residence, raising concerns about identity verification and fair reporting as per the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

Law : FCRA 609 ( a ) provides the right to dispute any inaccuracy. Section 611 obligates the consumer reporting agency to conduct a reasonable investigation. 
Story : My credit report began showing this XXXX XXXX address unexpectedly. Ive never lived there, nor have any accounts officially tied to this location. This error makes me vulnerable to identity confusion and hampers my access to credit. This misreporting echoes the widespread issue of incorrect records misused within the financial sector, impacting consumer rights nationwide. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Issue : Address mismatch and repetitionpotential mixed file problem. FCRA 602 ( A ) and the FTC regulations require maintaining accuracy and preventing cross-file contamination.

Law : Under FCRA 604 ( b ), proper verification of address is required before sharing information with third parties. 
Story : I became aware of this issue after lenders denied me due to conflicting addresses. Public records appear repeatedly, sometimes with minor variations, making it difficult for creditors to verify my identity. Thousands of consumers have reported similar struggles due to credit reporting errors, leading to lost opportunities and frustration. 

XXXX XXXX XXXX XXXX, CA XXXX Issue : My credit report lists a XXXX XXXX I never used, suggesting bad data input or possible fraud. 
Law : FCRA 609 mandates transparency and correction. The CFPBs complaint process supports disputes for unauthorized addresses. 
Story : XXXX XXXX addresses are particularly suspicious in credit reporting. I suspect this originated from a small payment error on a utility bill, leading to far-reaching consequences and making me vulnerable to fraud. As seen in CFPB complaint statistics, address-related mistakes are among the top sources of consumer distress. 

XXXX Account # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1100.00} Chargeoff XXXX XXXX Issue : Account marked as chargeoff despite several dispute attempts. No valid proof of debt provided. 
Law : FCRA 611 and the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), 808 ( 8 ) demand verification and accuracy.

Story : My repeated requests for validation went unanswered, violating my rights under FDCPA. This account appeared suddenly, bringing my score down and causing emotional distress, reflecting the systemic problems in debt validation practices CFPB is investigating. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$670.00} Chargeoff XXXX XXXX  Issue : Chargeoff listed without prior notification or opportunity for resolution. 
Law : FCRA 604, FDCPA 807 ( 8 ) misrepresentation protection. 
Story : I was shocked to find this account listed as charged off after a missed payment due to an address error. Companies often use outdated records, and their failure to reach me cost me hundreds, further perpetuating the cycle of bad credit. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$930.00} Chargeoff XXXX XXXX Issue : Duplicate XXXX XXXX accounts indicated with differing balancespotential reporting mistake. 
Law : FCRA 609, FDCPA 808 ( 8 ) forbids duplicative or inaccurate reporting. 
Story : Credit report duplication creates artificial debt inflation. This double trouble unfairly diminishes my creditworthiness and is a leading issue in modernization recommendations from CFPB. 

XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$26000.00} Chargeoff XXXX XXXX Issue : Large balance chargeoff with no supporting records or payment history attached. Error-prone reporting on high-value accounts may indicate negligence.

Law : FCRA 611, FDCPA 809 ( b ) right to debt validation.

Story : When my credit history was reviewed, this enormous chargeoff appeared suddenly. Without proper investigation or verification, this single entry has limited access to critical lending resourcesa problem CFPB and FTC have both raised in consumer protection campaigns. 

XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$26000.00} Late Payment Issue : Late payment reported though payments were made on time. 
Law : FCRA 611 and Regulation V accuracy requirements.

Story : After months of diligent payments, I was penalized for system glitches at my credit union. Like many Americans, delayed or incorrect payment posting led to unfair late payment flags, drawing attention to wider digital reporting issues in banking. 

XXXXXXXX XXXX Account # XXXXXXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$980.00} Collection XXXX XXXX  Issue : Collection agency listing despite ongoing dispute and request for documentation. 
Law : FCRA 611, FDCPA 809 ( b ). 
Story : XXXX XXXX marked my account for collection even as I disputed its validity. Collection agencies are notorious for premature reporting, trapping millions in credit limboa key issue in CFPBs collections reform program. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$590.00} Collection XXXX XXXX Issue : Redundant collection entry, possible mixed file and data contamination. 
Law : FCRA 609 ( b ), FDCPA 808 ( 8 ). 
Story : Duplicate reporting by XXXX led to a second collection notice, amplifying my worry and credit suppression. Duplicate entries are a principal concern for consumers and regulators alike. 

XXXX XX/XX/XXXX Inquiry Issue : Duplicate inquiries on same day, potential error or unauthorized access. 
Law : FCRA 604. 
Story : Multiple XXXX XXXXnquiries in a short time span lower my ranking and indicate unauthorized account pulling. Digital banking systems must be fixed to avoid these serious intrusive mistakes, as supported by growing CFPB complaints. 

XXXX XX/XX/XXXX Inquiry Issue : Inquiry included without my consent. 
Law : FCRA 604 ( a ).

Story : My score dropped due to XXXX unsolicited inquiry, reflecting a widespread disregard for proper consumer notification among credit issuers. 

Relief Requested : Immediate deletion of all the above unauthorized inquiries from my credit report, a thorough investigation into each furnishers request for my credit file, and written proof that the inquiry had a permissible purpose as required by FCRA. If no proof exists, the inquiry must be permanently deleted. I also request that the CFPB take enforcement action to prevent such violations from recurring.

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