Consumer complaint received 2025-09-12 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: IL

Complaint narrative:
I am writing to formally dispute multiple inaccurate and harmful items on my credit report and request immediate correction and investigation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., credit reporting agencies and furnishers of information are required to report only accurate, complete, and verifiable information. Failure to comply constitutes a violation of federal law and has caused me severe financial distress, emotional hardship, and significant damage to my creditworthiness. 
Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, IL XXXX This address has never been my residence. Its inclusion falsely suggests that I have lived there, creating confusion for lenders, debt XXXX, and other institutions. As a result, I have faced repeated account verification requests, wrongful assumptions of residency, and heightened scrutiny when attempting to obtain new credit. This error has caused emotional distress and wasted hours of my personal time correcting misinformation, violating 15 U.S.C. 1681e ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX This address is also incorrectly attributed to me. The reporting of an address I have never occupied has led to inaccurate account matching, receiving letters not intended for me, and fear that my personal information is being misused. Such negligence demonstrates a failure to ensure the maximum possible accuracy in credit reporting, directly harming my ability to apply for loans and rent housing. 

Account Issues : XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance {$310.00} Reported as a late payment. I have consistently made all required payments on time. Despite this, the account shows a late payment which has unfairly damaged my credit score. The reporting agencys failure to investigate and correct this inaccuracy violates 15 U.S.C. 1681s-2 ( b ). Because of this false report, I have been denied better interest rates on other credit products and faced unnecessary stress explaining the error to lenders. 

XXXX XXXX, Opened XX/XX/XXXX, XXXX XXXX {$600.00} Reported as a late payment. I maintain verifiable proof of timely payments. The inaccurate reporting has caused potential lenders to view me as a higher-risk borrower, limiting my ability to access fair financial opportunities. The repeated reporting of such inaccuracies demonstrates negligence and a disregard for the legal requirement to ensure accuracy. 

XXXX XXXX XXXXXXXX XXXX, Opened XX/XX/XXXX, High Credit {$640.00} Reported as charge off. This is incorrect and damaging. I have either disputed or settled any payment disagreements according to the terms of my accounts. The charge-off reporting falsely portrays financial irresponsibility, leading to loan denials, stress, and emotional hardship. Bank XXXX XXXX failure to investigate and correct this violates 15 U.S.C. 1681i ( a ). 

XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance {$6400.00} Reported as charge off. This is entirely inaccurate. I have consistently made all required payments, and the charge off falsely portrays me as delinquent. This false reporting has caused loan denials, higher interest rates, and emotional stress from creditors contacting me for a debt I do not owe. The reporting demonstrates negligence and violates 15 U.S.C. 1681s-2 ( b ). The repeated misreporting of this account has directly harmed my ability to secure housing and fair credit products. 

XXXX XXXX XXXX  XXXX, Opened XX/XX/XXXX, High Credit {$1600.00} Reported as late payment. I have consistently submitted payments on time. This false late payment has harmed my credit score, reduced my ability to qualify for low-interest loans, and caused unnecessary stress in managing my finances. The furnishers failure to verify and correct the record demonstrates negligence under 15 U.S.C. 1681s-2 ( b ) and 1681i ( a ). 

XXXX XXXX, Opened XX/XX/XXXX, XXXX XXXX {$520.00} Reported as late payment. I maintain documentation proving timely payments. This inaccurate reporting has affected my financial reputation, limited my borrowing opportunities, and caused emotional stress. The repeated misreporting highlights a disregard for my rights under federal law. 

XXXX XXXX, Opened XX/XX/XXXX, XXXX XXXX {$1600.00} Reported as late payment. This is false and has unjustly harmed my credit profile. The incorrect reporting has led to higher interest rates, denial of new credit, and personal stress over having to dispute these errors repeatedly. The furnishers failure to investigate and correct this violates FCRA 1681i ( a ) and 1681s-2 ( b ). 

XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance {$300.00} Reported as charge off. I have never failed to make payments as required. The false charge off misrepresents my financial responsibility, leading to denial of loans, increased interest rates, and emotional distress. The repeated negligent reporting violates XXXX XXXX. XXXX ( b ), XXXX ( a ), and XXXX ( b ). 

XXXX BANK, XXXX. XXXX, Opened XX/XX/XXXX, XXXX XXXX {$600.00} Reported as charge off. This is false. The charge off misrepresents my payment history, negatively affecting my creditworthiness, limiting access to loans, and causing significant stress. XXXX Banks reporting violates FCRA 1681e ( b ) and 1681i ( a ). 

XXXX XXXX, XX/XX/XXXX Reported as a hard inquiry. I did not authorize this inquiry. Unauthorized inquiries can reduce my credit score, affect my ability to secure loans, and create unnecessary suspicion of credit fraud. Reporting without my consent violates 15 U.S.C. 1681b. 

XXXX XXXX, XX/XX/XXXX Reported as a hard inquiry. I did not authorize this inquiry. The reporting has caused undue harm to my credit profile and financial opportunities. This repeated unauthorized reporting demonstrates negligence and potential FCRA violation. 

XXXX XXXX, XX/XX/XXXX Reported as a hard inquiry. This is unauthorized and has caused harm to my creditworthiness and financial reputation. The repeated reporting of this inquiry demonstrates failure to follow legal requirements for obtaining consumer consent. 

XXXXXXXX XXXX XXXXXX/XX/XXXX Reported as a hard inquiry. I did not authorize this inquiry. This reporting is inaccurate and has negatively impacted my creditworthiness. Unauthorized reporting of inquiries violates federal law and has caused material financial and emotional harm. 
These repeated inaccuracies, wrongful charge-offs, and unauthorized inquiries violate federal law and have caused substantial financial and emotional harm. I request that all disputed items be immediately investigated, corrected, or removed from my credit report. I further request written confirmation of all corrections and removal of these false entries. I am prepared to pursue all remedies available under federal law, including reporting to the Federal Trade Commission ( FTC ) and potential legal action for damages caused by these violations. 
Please consider this a formal notice and act in compliance with federal law to resolve these disputes immediately.

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