Consumer complaint received 2025-09-03 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:
XXXX'I am filing this complaint because multiple inaccurate, unverifiable, and misleading accounts and addresses are being reported on my credit report in violation of the Fair Credit Reporting Act (FCRA), 1XXXX XXXX XXXX  et seq., and the Fair Debt Collection Practices Act (FDCPA). These negative items are damaging my creditworthiness, creating financial hardship, and are being reported without proper validationXXXX XXXX XXXX XXXX XXXX  TX XXXX   Wrong Address  I have never lived or received mail at this location, reporting this as my address is a violation of FCRA XXXX  and XXXX  which requires accurate consumer identification reporting, maintaining false addresses creates confusion and risk of identity theft, this wrong address has caused me to be denied an auto loan because lenders questioned my residency and stability, I have wasted hours providing proof of my true residence and suffered humiliation when explaining that the bureau has attached addresses I never lived atXXXX XXXX XXXX XXXX XXXX  TX XXXX   Wrong Address  This is not now nor ever has been my residence, under FCRA XXXX  and XXXX  credit bureaus are required to report only complete and accurate information, knowingly keeping a false address attached to my file is a willful violation and damages my credibility, because of this false reporting I have been flagged for possible fraud when applying for utilities and was forced to provide extra documents that delayed my service, I even faced embarrassment in front of my family when my service was denied initiallyXXXX XXXX XXXX (Original Creditor: XXXX) XXXX  Date Opened: XXXX Balance: XXXX  Collection  This account is inaccurate, the balance is disputed and not validated, under FDCPA XXXX(a) the collector must provide proper validation which was never provided, under FCRA XXXX  this furnisher is reporting unverifiable data, this debt does not belong to me and has caused financial harm, because of this false collection I was denied affordable car insurance and had to pay higher premiums as XXXX  reported me to collections incorrectly, this unfairly punished me financially and emotionally for a debt that is not mine\XXXX  XXXX XXXX (Original Creditor: XXXX) XXXX  Date Opened: XXXX  Balance: XXXX Collection  This account is not mine, never authorized and no validation received, under FDCPA XXXX  it is unlawful to report false or misleading information, this is also a violation of FCRA XXXX  and XXXX  as the account is not verifiable, reporting such small disputed amounts creates disproportionate damage and is unfair and deceptive, because of this account I was denied internet service by another provider who believed I had an unpaid XXXX account, I had to pay deposits that I should not have been required to pay, this caused financial hardship and embarrassment in front of my family\XXXX XXXX  (Original Creditor: XXXX XXXX) XXXX  Date Opened: XXXX Balance: XXXX Collection  This is inaccurate and unverifiable, I never had any business with Western Finance, this is identity related error, under FCRA XXXX  this should be blocked as identity theft, failure to remove this account is a willful violation of my rights, because of this account I was denied a small personal loan when I urgently needed funds for medical expenses, I was treated like I was irresponsible and fraudulent when in fact the debt is not mine, this caused emotional distress and damaged my reputationXXXX XXXX  Date Opened: XXXX Balance: XXXX  Charge Off  Reporting a charge off with a zero balance is deceptive and inaccurate, FCRA XXXX  requires maximum possible accuracy, reporting charged off while showing XXXX  balance is contradictory and misleading, this damages my creditworthiness unfairly and must be corrected, this false reporting has made lenders assume I walked away from an obligation when in reality I never owed this account, I have been unfairly denied opportunities for financing which caused direct financial losses and emotional harm\XXXX XXXX XXXX XXXX  Date Opened: XXXX Balance: XXXX  Charge Off  This account is reported as a charge off but the amount is inaccurate, not validated, and unverifiable, I dispute ownership of this debt, under FDCPA XXXX  false representation of debt amount is illegal, under FCRA XXXX  and XXXX  I have the right to dispute and demand deletion, this entry is harming me with lenders and employers and must be corrected immediately, this false account made me lose a chance at financing for a family vehicle, it has placed enormous stress on me and my dependents, I cannot move forward financially because of this inaccurate and unverified charge offXXXX XXXX XXXX XXXX XXXX  Date Opened: XXXX  Balance: XXXX  Charge Off  This account is being reported as charged off, the balance is inaccurate, unverifiable and disputed, under FCRA XXXX  furnishers may not report information they know or should know is inaccurate, under FDCPA XXXX  misrepresentation of debt status is unlawful, this reporting has made me lose opportunities for a new credit card and even affected my ability to rent housing, I have had to explain over and over to landlords and lenders about this false charge off which has caused embarrassment and loss of financial opportunitiesXXXX XXXX  Date Opened: XXXX Balance: XXXX Late Payment  Reporting late payments on a zero balance account is false, misleading, and a violation of FCRA XXXX, this account is harming my credit history inaccurately, I have faced denial of personal loans and humiliation when discussing my credit report with employers and landlords, this false late reporting is damaging me financially and emotionally and must be corrected immediately\XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX  Date Opened: XXXX Balance: XXXX Collection  This account is inaccurate, disputed, and unverifiable. XXXX  XXXX  is a known debt buyer that often cannot provide proper validation. Under FDCPA XXXX(a) they are required to provide full validation of debt which has never been provided. Under FCRA XXXX  they must ensure maximum possible accuracy which they failed to do. This false collection caused me to be denied a major credit card, it lowered my score significantly, and I had to pay higher security deposits for utilities. The constant reporting of this account is also creating emotional stress and reputational damage with lenders who wrongly assume I failed to payXXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX Date Opened: XXXX  Balance: XXXXXXXX XXXX XXXX XXXX XXXX  is inaccurately reporting this collection. They have failed to validate the debt in violation of FDCPA XXXX  and continue to furnish unverifiable data in violation of FCRA XXXX  and XXXX. This collection is not mine and has unfairly lowered my creditworthiness. Because of this entry I was denied a store credit account that I needed for emergency purchases, I was embarrassed in front of my family when explaining the denial, and I suffered financial harm by having to pay higher out-of-pocket expenses instead of using credit. This account is unlawful, unverifiable, and must be deleted immediatelyXXXX XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX Date Opened: XXXX Balance: XXXX  Collection  This account is false and unverifiable, I never had an account with XXXX XXXX XXXX XXXX This is identity-related or misreported data. Under FCRA XXXX  this should be blocked as identity theft. Under FDCPA XXXX, furnishing false information is unlawful. Because of this collection I was denied auto financing when I urgently needed a vehicle for work, I lost valuable time and income opportunities, and I experienced stress and humiliation due to the false portrayal of me as a defaulter. This account is damaging me unfairly and must be removed\XXXX XXXX XXXX XXXX Inquiry  This inquiry is also unauthorized and fraudulent. Under FCRA XXXX  and XXXX  I have the right to know who accessed my credit and why, yet this inquiry was made without my knowledge or consent. It has harmed my score unfairly and caused me to lose access to affordable financing. The unauthorized nature of this inquiry has caused me fear of identity theft and emotional stress. This must be removed without delay\nConclusion & Relief Requested\nI am requesting the CFPB to investigate these matters urgently. Each of the above accounts is being reported inaccurately, without proper validation, and in violation of federal law. These items are causing me financial harm, loss of credit opportunities, and emotional distress. I respectfully demand deletion of all inaccurate accounts and for the furnishers and credit reporting agencies to be held accountable for their repeated violations of FCRA and FDCPA.\n Laws Violated:XXXX XXXXXXXX(b)  Failure to assure maximum possible accuracyXXXXXXXX  XXXX(a)  Failure to conduct proper reinvestigation of disputed informationXXXX  XXXX-XXXX(b)  Failure of furnishers to investigate and correct inaccuraciesXXXX  XXXX   Use of false, deceptive, or misleading representationsXXXXFDCPA  XXXX XXXX XXXX XXXX   Failure to provide debt validation'

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