Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding the inaccurate, misleading, and harmful information being reported by the credit bureaus and furnishers on my consumer report in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related federal consumer protection laws. These inaccuracies involve false addresses, misreported accounts, duplicate entries, unverifiable debts, unauthorized inquiries, and outdated derogatory data that are significantly harming my credit profile, financial opportunities, and overall well-being. Despite attempts to correct these errors, they remain unresolved, and I am now requesting immediate CFPB intervention and investigation. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Issue : Wrong Address Law Violated : FCRA XXXX681c ( a ) ( 4 ) obsolete or incorrect address Explanation : I have never resided at this address nor have I authorized its use on any financial applications. Its appearance on my credit report is indicative of identity confusion or reporting error, and it is harming my creditworthiness. 
XXXX BLANDING BV XXXX XXXX, FL XXXX Issue : Wrong Address Law Violated : FCRA XXXX ( b ) failure to maintain accurate information Explanation : This address is not mine, nor have I ever had any association with it. Its presence is misleading and XXXX be associated with accounts or activity that is not mine. 
XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$1000.00} Issue : Late Payment Law Violated : FCRA 1681s-2 ( a ) ( 1 ) ( A ) furnishing inaccurate info Explanation : I made payments in good faith, but the account was reported late without justification. The late mark does not reflect the actual activity on this account and is affecting my score unfairly. 
XXXX XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance : {$570.00} Issue : Late Payment Law Violated : FCRA 1681e ( b ), FDCPA 807 ( 8 ) unfair practices Explanation : I dispute the accuracy of this late payment. I was under an approved payment arrangement, yet the creditor still reported it as late, which misrepresents my payment conduct. 
XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$630.00} Issue : Charge-Off Law Violated : FCRA 1681s-2 ( b ), FDCPA 807 Explanation : This account was paid in settlement ; however, it is still being reported as charged-off. The creditor has failed to update the current and accurate status, and this is deceptive reporting. 
XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$1900.00} Issue : Collection Law Violated : FCRA 1681e ( b ) Explanation : I dispute the accuracy of this collection. No validation or breakdown of the debt has ever been provided, and this item is impacting my ability to qualify for credit. 
XXXX XXXX  XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$2400.00} Issue : Duplicate Collection Law Violated : FCRA XXXX duplication of derogatory items Explanation : This appears to be a duplicate entry of the above XXXX debt XXXX which is a violation. XXXX the same debt multiple times inflates my derogatory history unfairly. 
XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$570.00} Issue : Duplicate Collection Law Violated : FCRA 1681c-2 Explanation : This is a duplicate of the earlier LVNV account. Reporting the same debt more than once is misleading and inflates my risk profile to lenders. 
XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$610.00} Issue : Collection Law Violated : FCRA 1681e ( b ) Explanation : I am not aware of this debt, and no validation has been provided. XXXX has a history of acquiring stale debts and reporting them without sufficient documentation. 
XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Charge-Off Law Violated : FCRA 1681e ( b ) Explanation : This account is showing a XXXX balance and charged-off status, which is inaccurate. A charge-off can not have a {$0.00} balance unless it was paid, settled, or deleted, which is not reflected. 
XXXX XXXX XX/XX/XXXX Issue : Hard Inquiry Law Violated : FCRA 1681b ( c ) Explanation : I did not authorize this inquiry. It was pulled without my knowledge or consent and has negatively impacted my score due to a high number of inquiries. 
XXXX XX/XX/XXXX Issue : Duplicate Unauthorized Inquiry Law Violated : FCRA 604 ( a ) ( 3 ) Explanation : This appears to be a duplicate of the prior inquiry. XXXX pulls for the same application are excessive and unjustified. 
This is a clear pattern of willful negligence, inaccurate data handling, duplication of derogatory entries, unverifiable debts, unauthorized inquiries, and illegal retention of obsolete information. I respectfully request the CFPB to investigate all named furnishers and credit reporting agencies for non-compliance and compel immediate deletion or correction of all inaccurate items listed in this complaint. These errors are significantly harming my creditworthiness, mental peace, and financial health.

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