Consumer complaint received 2025-08-28 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:
I am submitting this complaint to the CFPB to address multiple inaccuracies, fraudulent entries, and misreported accounts on my credit report. These errors are severely impacting my creditworthiness, ability to obtain financial products, and overall financial reputation. Despite my efforts to resolve these disputes directly with the credit bureaus and creditors, the inaccuracies persist. I am requesting the CFPBs oversight and intervention to ensure full compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and to hold all relevant parties accountable for reporting accurate information. 

ADDRESS XXXX XXXX XXXX, TX XXXX Law/Issue : FCRA 15 USC 1681i requires reinvestigation and deletion if unverifiable. 
Story : I have never resided at this location. This address is creating false connections to accounts and inquiries that are not mine. I have documentation of my past residences which do not include this property. This incorrect listing damages my personal credibility, causes confusion with creditors, and misrepresents my identity. 
Instruction : Delete this unverifiable address immediately. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law/Issue : FCRA 1681e ( b ) accuracy requirement.

Story : The account shows a XXXX balance yet also reports late payments, which is contradictory and impossible. If the account was paid in full and closed, there should be no late payment reporting. These inaccuracies unfairly lower my credit score and paint me as financially irresponsible when in reality I fulfilled my obligation. 
Instruction : Remove the late payment and correct the record. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law/Issue : Same as above, inaccurate late reporting.

Story : This account was handled responsibly and was closed with no balance. Reporting late payments under these circumstances is clearly wrong and misleading. Such an error damages my reputation with creditors and blocks me from fair access to credit. 
Instruction : Delete the late payment or the account if it can not be verified. 

ACCOUNT DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Late Payment Law/Issue : FCRA 1681s-2 prohibits furnishing false data.

Story : This account shows late payments even though the servicer has repeatedly given inconsistent information. XXXX has a history of duplicate accounts and conflicting balances on my report. These inconsistencies prove they can not validate their reporting. This damages my credit profile and misrepresents my student loan payment history. 
Instruction : Remove unverifiable late payments. 

ACCOUNT DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7400.00} Late Payment Law/Issue : FCRA violation due to conflicting balances.

Story : This account is one of many XXXX duplicates. The inconsistent balances and overlapping dates can not all be accurate, proving misreporting. These multiple accounts inflate the appearance of delinquencies and harm my creditworthiness unfairly. 
Instruction : Remove this entry if unverifiable. 

ACCOUNT DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5600.00} Late Payment Law/Issue : Duplicate reporting violates FCRA.

Story : This tradeline appears to duplicate the account above with a different balance. This is misleading, creating the impression of more debts than actually exist. It unfairly reduces my credit score. 
Instruction : Delete this account. 

ACCOUNT DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$620.00} Late Payment Law/Issue : Inconsistent reporting.

Story : This account is reported with late payments, yet the balances across other XXXX accounts show major discrepancies. This inconsistency damages my credibility and raises red flags with potential lenders. 
Instruction : Delete or correct immediately. 

ACCOUNT DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6400.00} Late Payment Law/Issue : Duplicate and unverifiable. 
Story : Another XXXX account reported inaccurately with different balances for the same servicer. This creates the appearance of multiple defaults when in reality this can not be verified. 
Instruction : Delete if unverifiable. 

ACCOUNT DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3600.00} Late Payment Law/Issue : FCRA violation, inconsistent data. 
Story : Same date opened as another XXXX account but different balance. This proves inaccuracy, as a consumer can not have two accounts opened on the exact same date with the same servicer but different balances. 
Instruction : Delete this tradeline. 

ACCOUNT DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} Late Payment Law/Issue : Duplicate with above.

Story : This entry misrepresents my financial history, creating two negatives for one loan. It unfairly doubles the damage to my credit profile. 
Instruction : Delete immediately. 

INQUIRY XXXX XXXX XX/XX/XXXX Law/Issue : FCRA 1681b requires permissible purpose. 
Story : I never applied for credit with XXXX XXXX. This hard inquiry was placed without my knowledge or consent, reducing my credit score and misrepresenting my credit activity. 
Instruction : Delete this unauthorized inquiry. 

INQUIRY XXXX XXXX XXXX XXXXXX/XX/XXXX Law/Issue : No permissible purpose. 
Story : I never initiated any transaction with XXXX XXXX XXXX XXXX. This is an unauthorized inquiry damaging my score. 
Instruction : Remove. 

INQUIRY XXXX XXXX XX/XX/XXXX Law/Issue : Unauthorized inquiry. 
Story : I have no relationship with XXXX XXXX and did not authorize a credit pull. This creates false impressions of credit-seeking activity. 
Instruction : Delete. 

INQUIRY XXXX XXXXXX/XX/XXXX Law/Issue : FCRA violation. 
Story : I did not consent to this inquiry. It reduces my score and makes it seem like I am applying for multiple lines of credit when I am not. 
Instruction : Remove. 

INQUIRY XXXX XXXXXX/XX/XXXX Law/Issue : Unauthorized inquiry. 
Story : I did not authorize XXXX XXXX to check my credit. This is damaging and inaccurate. 
Instruction : Delete. 

INQUIRY XXXX XXXX XXXXXX/XX/XXXX Law/Issue : No permissible purpose. 
Story : I have no account or application with XXXX. This inquiry misrepresents my financial behavior. 
Instruction : Delete. 

INQUIRY XXXX XX/XX/XXXX Law/Issue : Unauthorized inquiry. 
Story : I never granted XXXX permission to access my credit report. This is an invasion of privacy and damaging to my score. 
Instruction : Remove. 

INQUIRY XXXX XXXX XX/XX/XXXX Law/Issue : Unauthorized inquiry. 
Story : This inflates the appearance of desperate credit-seeking activity that is not true. 
Instruction : Delete I am requesting that the CFPB take immediate action to address these inaccuracies. All inaccurate addresses and account entries should be fully reinvestigated and corrected or removed in accordance with the FCRA. I also request the CFPB to provide confirmation of actions taken and updated credit report copies reflecting the corrected information. My intent is to ensure fair, accurate, and legally compliant credit reporting, and I trust the CFPB will enforce these rights on my behalf.

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