Consumer complaint received 2025-08-18 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: NV

Complaint narrative:
Dear CFPB, I am submitting this complaint because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) are being violated by the credit reporting agencies and furnishers of information. My credit file contains multiple wrong addresses, inaccurate account information, and unauthorized inquiries. These errors are severely harming my creditworthiness, financial opportunities, and emotional well-being. Despite my rights under FCRA to accurate, verifiable, and fair reporting, these violations continue. 
Below are the specific items being reported inaccurately : Wrong Addresses XXXX XXXX XXXX  XXXX XXXX, XXXX, NC XXXX Issue : Wrong Address Law : FCRA 609 ( a ) ( 1 ), 611 ( a ) Story : I have never lived at this address, nor do I know anyone associated with it. Having this address listed makes it look as though I have lived in multiple places I never resided in, which creates confusion and suspicion. I was recently denied housing due to unstable residence history which came directly from this type of false information. It also puts me at risk of being linked to another persons debts, judgments, or collections that I had no part in. 
Accounts XXXX  XXXX Acct : XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} Issue : Late Payment Law : FCRA 609 ( a ), 611 ( a ) ; FDCPA 807 Story : This account is being reported with a late payment even though the balance is {$0.00}. Reporting late payments on an account that is fully paid off is false and misleading. Because of this incorrect reporting, my credit score has been lowered, which directly impacted me when I tried to apply for an auto loan. The lender told me that the history of late payments was a deciding factor against me. I should not be penalized for something that never happened. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} Issue : Late Payment Law : FCRA 607 ( b ) ; FDCPA 809 Story : Just like the XXXX account, this account reflects false late payment history. I have been portrayed as someone who does not pay bills on time, which is damaging to my reputation. I was denied a credit card upgrade because of this false entry. Such reporting harms my ability to secure fair credit terms and creates unnecessary stress in my daily life. 
XXXX XXXX Acct : XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$40000.00} Issue : Charge Off Law : FCRA 611 ( a ) ; FDCPA 807, 809 Story : This so-called charge-off is completely unrecognizable to me. I never signed for or authorized any account with XXXX XXXX for {$40000.00}. This is a massive amount of money to be reported without any verification. The presence of this charge-off has made me look like a high-risk borrower and has resulted in denial of credit and increased interest rates on applications where I was approved. The reporting of an unverifiable and false debt of this size is extremely damaging to my life, my financial opportunities, and my peace of mind. This must be removed immediately. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 604 ( a ) ( 3 ) Story : I never authorized XXXX to pull my credit on this date. Every unauthorized inquiry lowers my score and makes it look like I am aggressively seeking credit when I am not. Recently, I was asked by a lender why I had so many inquiries in such a short period of time, which made them doubt my stability. This unauthorized pull is unlawful and must be removed. 
Conclusion These repeated violations of the FCRA and FDCPA are causing me financial harm, denial of credit, reputational damage, and emotional distress. I am requesting that CFPB hold the credit reporting agencies and furnishers accountable for these failures to comply with federal law. 
I am demanding : Removal of all wrong addresses listed above. 
Deletion of false late payment notations from XXXX XXXX and XXXX XXXX. 
Removal of the unverifiable XXXX XXXX charge-off. 
Deletion of the unauthorized XXXX XXXX XXXX  and XXXX inquiries. 
Confirmation that my credit file has been corrected and updated. 
I respectfully request that CFPB investigate these violations and ensure that the credit reporting agencies and furnishers comply with their legal obligations under the FCRA and FDCPA. I expect a full response and corrective action as required by law.

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