Consumer complaint received 2025-09-11 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: LA

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate, misleading, and fraudulent items on my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. These reporting errors have caused substantial harm to my creditworthiness, delayed access to financial products, and negatively impacted my financial stability. I demand immediate investigation, correction, and removal of all inaccurate information. 
Wrong Addresses : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX I have never lived at this address. Its appearance on my credit report is entirely false. This has caused lenders to question my residency and delayed approval for financial products. I have official proof of residence at other addresses during the alleged period. This misreporting could constitute identity misattribution, violating FCRA XXXX ( b ) which requires maximum possible accuracy in credit reporting. Multiple attempts to contact the reporting agency were ignored, which further harmed my ability to secure credit. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX I have no connection to this address. It is being falsely linked to my credit profile, creating confusion with creditors. This has already caused a loan application to be denied. FCRA XXXX provides my right to dispute such inaccurate reporting. I have documentation proving I never resided here, including utility bills and official correspondence addressed to my actual residence. 
Accounts with Charged Off or Inaccurate Reporting : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance {$740.00} Date Opened XX/XX/XXXX Reported as charged off without proper verification. I have payment records showing timely payments and account management. This inaccurate reporting has caused denials for multiple credit lines and delayed mortgage processing. FCRA XXXX requires agencies to verify disputed information within XXXX  days, which has not been done. 
CAPITAL XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$500.00} Date Opened XX/XX/XXXX Also listed as charged off with no validation. I have requested verification from the creditor multiple times without response. This false reporting has reduced my XXXX XXXX and prevented access to credit. FCRA XXXX ( b ) obligates agencies to ensure maximum possible accuracy, which has been violated. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$240.00} Date Opened XX/XX/XXXX Reported as charged off inaccurately. I never received notice of charge-off and dispute the legitimacy of the reporting. The false entry has already caused my loan application to be delayed. Under FCRA XXXX and XXXX ( b ), unverifiable information must be deleted immediately. 
XXXX XXXX BANK XXXX XXXX XXXX XXXX High Balance {$530.00} Date Opened XX/XX/XXXX Charged off inaccurately. I have attempted to reconcile this account, but it remains falsely reported. Its inclusion has negatively impacted my credit score and delayed approval for financial products. This violates FCRA XXXX and XXXX ( b ), and immediate correction is required. 
XXXX XXXX XXXX XXXX  XXXX XXXX {$710.00} Date Opened XX/XX/XXXX Reported as charged off without verification. I have records showing proper payments and dispute the accuracy of this charge-off. This false reporting has damaged my credit score, misrepresented my financial reliability, and caused delays in securing loans. FCRA XXXX and XXXX ( b ) require investigation of disputed items and maximum possible accuracy. 
XXXX XXXX XXXX BANK XXXXXXXX XXXX XXXX XXXX  High Balance {$1200.00} Date Opened XX/XX/XXXX Reported as late payment inaccurately. I have documentation proving timely payments and dispute this reporting. Misreporting late payments can lead to higher interest rates and denied credit applications. Under FCRA XXXX, unverifiable or inaccurate information must be corrected or deleted. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX {$750.00} Date Opened XX/XX/XXXX Reported as late payment incorrectly. I have confirmation from the creditor showing no missed payment. This false reporting harms my creditworthiness and misleads lenders. FCRA XXXX ( b ) obligates agencies to ensure accurate reporting. 
XXXX XXXX XXXX XXXX High Balance {$3000.00} Date Opened XX/XX/XXXX Reported as late payment without proper validation. I have proof of payment and account statements confirming no delinquency. Inaccurate late payment reporting constitutes a violation under FCRA XXXX and XXXX ( b ). It has already caused difficulty in obtaining new credit. 
XXXX  XXXX XXXX * * High Balance {$2500.00} Date Opened XX/XX/XXXX Reported as late payment incorrectly. I have records of timely payments. This reporting has lowered my credit score, delayed financial approvals, and is a direct violation of FCRA XXXX and XXXX ( b ). XXXX correction is required. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$16000.00} Date Opened XX/XX/XXXX Reported as late payment inaccurately. I have verified account history proving on-time payments. This false reporting misrepresents my financial responsibility and violates FCRA XXXX, XXXX ( b ), and XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX High Balance {$44000.00} Date Opened XX/XX/XXXX Reported as late payment inaccurately. I have documentation showing no delinquency. Misreporting such a high-balance account damages my credit reputation and violates FCRA XXXX ( b ) and XXXX. Immediate investigation and correction are demanded. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance {$710.00} Date Opened XX/XX/XXXX Reported as a collection inaccurately. I have no knowledge of this account being delinquent or owed. This reporting is misleading, has negatively impacted my credit score, and violates my rights under FCRA XXXX and XXXX ( b ). Documentation shows no delinquency or creditor contact prior to reporting. 
XXXX XXXX XXXX LL XXXXXXXX XXXX XXXX XXXX High Balance {$1100.00} Date Opened XX/XX/XXXX Reported as collection inaccurately. I have made timely payments and dispute the validity of this reporting. The false collection entry has delayed financial approvals and misrepresented my financial behavior. FCRA XXXX requires investigation and deletion of unverifiable items. 
XXXX XXXX XXXX LL XXXXXXXX XXXX XXXX XXXX High Balance {$3800.00} Date Opened XX/XX/XXXX Reported as collection without proper notice or validation. I have account statements proving timely payment history. The inaccurate reporting has caused increased interest rates and credit denials. FCRA XXXX and XXXX ( b ) require correction of such misleading entries. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX High Balance {$930.00} Date Opened XX/XX/XXXX Reported as collection inaccurately. I dispute the validity and have requested validation multiple times without response. This false reporting violates FCRA XXXX, XXXX ( b ), and has already caused financial distress. Immediate correction is demanded. 
PLAZA SERVIC XXXXXXXX XXXX XXXX XXXX {$6600.00} Date Opened XX/XX/XXXX Reported as collection inaccurately. I have never received verification of this debt and dispute the reporting. Its inclusion has negatively impacted my credit score and access to affordable credit. FCRA XXXX obligates deletion if unverifiable. 
ALDOUS XXXXXXXX XXXX High Balance {$200.00} Date Opened XX/XX/XXXX Reported as collection inaccurately. I have documentation showing no delinquency and dispute the validity of this account. This false reporting has lowered my credit score and misrepresented my financial responsibility. FCRA XXXX and XXXX ( b ) require verification and correction of unverifiable information. 
XXXX XXXXXXXX XXXX XXXX High Balance {$160.00} Date Opened XX/XX/XXXX Reported as collection inaccurately. I have no record of owing this account. This false collection entry has caused lenders to question my creditworthiness. Under FCRA XXXX, unverifiable accounts must be deleted immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} Date Opened XX/XX/XXXX Reported as charged off without proper validation. I dispute this charge-off and provide evidence of account status and payment history. This false reporting misrepresents my credit behavior and violates FCRA XXXX and XXXX ( b ). 
Hard Inquiries : XXXX XXXX XX/XX/XXXX Unauthorized inquiry. I did not authorize this pull. Such reporting negatively affects my credit score and violates FCRA XXXX. 
XXXX XXXX  XX/XX/XXXX Unauthorized inquiry. This inquiry was done without my permission and misrepresents my consent, violating FCRA XXXX. 
XXXX XXXX XX/XX/XXXX Unauthorized inquiry. I dispute this reporting due to lack of consent. FCRA XXXX requires deletion if unverified. 
XXXX XX/XX/XXXX Unauthorized inquiry. I did not authorize this pull, which misrepresents my credit consent under FCRA XXXX. 
XXXX XX/XX/XXXX Unauthorized inquiry. Reporting without my consent violates FCRA XXXX and negatively impacts my creditworthiness. 
All of the above accounts and inquiries are reported falsely, misleadingly, and without proper verification or authorization. I demand written confirmation of your investigation and resolution, including corrected credit reports sent to all major credit bureaus. If any items can not be verified, they must be permanently removed under FCRA XXXX, XXXX ( b ), and XXXX. Failure to comply will result in legal escalation, including reporting to the Federal Trade Commission and seeking remedies under 15 U.S.C. 1681n and 1681o.

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