Consumer complaint received 2025-09-25 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:
Dear Sir/Madam I am writing to formally dispute multiple inaccuracies and unlawful reporting on my credit report. These issues violate the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related federal laws. Despite repeated attempts to correct these errors directly with the reporting agencies, the inaccuracies persist, causing significant financial and emotional distress. I am requesting immediate investigation and correction of all errors listed below. 
Wrong Addresses : XXXX XXXX, XXXX, TX XXXX This address has never been associated with me. Its appearance on my credit report is alarming because it could lead to identity theft or wrongful collections. I have never lived here, never received mail here, and no financial activity of mine has ever been linked to this location. This incorrect reporting misrepresents my residential history and risks my financial security. 
Account Issues : XXXX  XXXX XXXX XXXX XXXX XXXX  Charge-off, High Balance : {$60.00}, Opened : XX/XX/XXXX. This account is incorrectly reported as a charge-off. The reporting does not reflect my payment history accurately. It has caused undue damage to my credit score and created XXXX  in securing new credit. I request that this account be corrected immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX  Charge-off, High Balance : {$680.00}, Opened : XX/XX/XXXX. This reporting is inaccurate. I have maintained regular payments, and the charge-off is unwarranted. Because of this false reporting, I have been denied financial opportunities and have experienced significant XXXX. 
XXXX XXXX XXXXXXXX XXXX  Charge-off, High Balance : {$4600.00}, Opened : XX/XX/XXXX. This account has been reported as delinquent without basis. The incorrect reporting misleads creditors, affects my creditworthiness, and is a violation of the FCRA. It must be corrected to accurately reflect my payment history. 
XXXX  XXXXXXXX XXXX XXXX Late Payment, High Balance : {$720.00}, Opened : XX/XX/XXXX. The late payment status is inaccurate. This false reporting has created unnecessary financial hardship and XXXX, including higher interest rates and denial of credit lines. Proper correction is required to restore my rights under federal law. 
XXXX XXXXXXXX XXXX XXXX XXXX  Charge-off, High Balance : {$490.00}, Opened : XX/XX/XXXX. The reporting of this account as a charge-off is false. This has negatively impacted my credit score and created confusion among creditors, causing me undue XXXX  and financial risk. 
XXXX XXXXXXXX XXXX XXXX Collection, High Balance : {$980.00}, Opened : XX/XX/XXXX. This account is being reported incorrectly. I have never received proper validation or notice of this debt. Its presence on my credit report is unjust, causing undue XXXX, confusion with creditors, and wrongful damage to my creditworthiness. 
XXXX XXXXXXXX XXXX XXXX Collection, High Balance : {$980.00}, Opened : XX/XX/XXXX. This account has been falsely reported. I dispute the validity of this collection entirely. The reporting has already led to wrongful collection attempts and has negatively impacted my ability to secure loans and credit lines. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Collection, High Balance : {$980.00}, Opened : XX/XX/XXXX. The account is inaccurately listed as a collection. I have never received proper verification of this debt. This false reporting has caused XXXX XXXX, financial uncertainty, and risks my reputation with legitimate creditors. 
XXXX XXXXXXXX XXXX XXXX Collection, High Balance : {$2000.00}, Opened : XX/XX/XXXX. Reporting this account as a collection is incorrect and violates federal law. Its presence on my credit report misleads creditors, causing financial harm and creating unnecessary XXXX. Immediate correction and removal are required. 
XXXX  XXXXXXXX XXXX Collection, High Balance : {$480.00}, Opened : XX/XX/XXXX. This account is falsely reported. I dispute its validity and demand verification. The inaccurate reporting has affected my credit score, denied me credit opportunities, and caused undue hardship. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Collection, High Balance : {$770.00}, Opened : XX/XX/XXXX. This account has been reported without proper validation. I dispute its legitimacy and demand immediate removal from my credit profile. Continued reporting of this inaccurate information violates the FCRA and FDCPA. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Collection, High Balance : {$2300.00}, Opened : XX/XX/XXXX. This account is being reported incorrectly. I have never been properly notified or provided verification for this debt. Its presence on my credit report is causing severe financial and XXXX XXXX, including wrongful denials of credit and increased financial uncertainty. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Collection, High Balance : {$960.00}, Opened : XX/XX/XXXX. This account is falsely reported. I have never received proper verification or notice of this alleged debt. Its inclusion on my credit report is causing wrongful financial stress, misleading creditors, and damaging my creditworthiness. I dispute the validity of this account in its entirety. 
Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I dispute all of the above inquiries as unauthorized. I did not provide consent for these hard credit pulls, and their reporting without my permission constitutes a violation of the FCRA. These unauthorized inquiries have negatively impacted my credit score, caused unnecessary XXXX, and may affect my ability to obtain new credit on fair terms. I request immediate removal of all these inquiries from my credit report. 
Each of these errorscollections and unauthorized inquirieshas caused undue financial damage, XXXX XXXX, and wrongful denial of credit opportunities. The reporting agencies have failed to conduct proper investigations as required under federal law. I demand full investigation, correction, and removal of all inaccurate information. Written confirmation of the corrections is requested. 
I am prepared to escalate this complaint if these issues are not resolved promptly. Please ensure compliance with the FCRA, FDCPA, and other applicable federal laws.

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