Consumer complaint received 2025-09-15 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: IN

Complaint narrative:
This is a formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Consumer Financial Protection Act. The following accounts and inquiries are inaccurate, unverifiable, and continue to cause me severe financial and emotional harm. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX Wrong Address this address has been falsely tied to my name in violation of FCRA 607 ( b ) requiring maximum possible accuracy I have never resided at this location and yet the bureaus continue to report it which has caused confusion with lenders and resulted in denials because they believe I may have undisclosed addresses I have wasted countless hours sending proof of residence to creditors and landlords explaining that this is not my home and yet it remains this misreporting has also triggered fraud alerts which harmed my ability to secure credit lines XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$21000.00} Date Opened : XX/XX/XXXX Charge Off * * this account is being reported as a charge off but no creditor has provided validation under FCRA 609 and FCRA 611 I have never received any signed contract or itemized statements proving this alleged balance reporting it as a charge off without verification is false and unlawful this negative reporting caused me to be denied a mortgage pre-approval and the lender cited this exact charge off as the reason I have spent months attempting to resolve it with no proof provided yet the bureau continues to damage my financial reputation which is actionable under FCRA 616 & 617 XXXX XXXX XXXX High Balance : {$290.00} Date Opened : XX/XX/XXXX Late Payment * * this account is inaccurately showing late payments when in fact I never received proper billing statements to prove any delinquency the creditor has failed to provide evidence and is knowingly reporting false information in violation of FCRA 623 ( a ) ( 1 ) ( A ) this negative reporting lowered my score significantly which directly impacted my ability to rent a home for my family as the landlords system flagged me as high risk I had to pay higher deposits and faced humiliation and financial loss because of an error that is not mine XXXXXXXX XXXX High Balance : {$250.00} Date Opened : XX/XX/XXXX Charge Off * * this account has been listed as a charge off yet no validation of debt has been provided which violates FDCPA 809 ( b ) and FCRA 605 the reporting of this unverifiable account has made it impossible for me to obtain even small lines of credit my application for a secured card was denied due to this false charge off which shows the real-life impact of inaccurate reporting the bureaus have reinserted this account after prior disputes without proper notice which is a violation of FCRA 611 ( a ) ( 5 ) ( B ) and has caused continued financial injury and emotional distress XXXXXXXX XXXX XXXXXXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX Charge Off This account is being reported as a charge off without any supporting documentation which violates FCRA 609 and 611. I have never received validation or proof of this balance and yet it continues to damage my file. The bureaus reinsertion of this item after prior disputes violates FCRA 611 ( a ) ( 5 ) ( B ). Because of this false charge off I was denied an auto refinance which increased my monthly payments by several XXXX dollars creating significant financial strain. 
XXXX XXXX XXXXXXXX XXXX High Balance : {$690.00} Date Opened : XX/XX/XXXX Collection This collection account is being reported without validation of the alleged debt in violation of FDCPA 809 ( b ). I have disputed this multiple times and no original signed contract or itemized statement has ever been provided. The continued reporting of this unverifiable account violates FCRA 623 ( a ) ( 1 ) ( A ) which prohibits knowingly reporting false information. As a result of this collection I was denied a rental application and forced to pay a higher security deposit which created direct financial harm. 
XXXX XXXX XX/XX/XXXX Inquiry This hard inquiry is being reported without my consent or permissible purpose in violation of FCRA 604. I never authorized this inquiry and its appearance lowered my score and gave the false impression that I was applying for unnecessary credit. This unauthorized inquiry caused me to lose promotional financing opportunities that required a higher credit score. 
XXXX XXXX XX/XX/XXXX Inquiry This inquiry was made without my permission and violates FCRA 604 ( a ) which governs permissible purposes for credit pulls. I did not authorize any application with this creditor. The damage caused by this unauthorized inquiry included rejection for a small business loan because my profile reflected excessive recent inquiries. 
XXXX XXXX XX/XX/XXXX Inquiry This hard inquiry was not authorized by me and therefore is a violation of the FCRA. It created the false impression that I was actively seeking credit and negatively impacted my score. As a direct result I was denied approval for a credit limit increase that I was otherwise qualified for. 
XXXX XXXX XX/XX/XXXX Inquiry This inquiry was made without consent and violates the same permissible purpose requirement under FCRA 604. I never applied for a XXXX account on this date. This unauthorized pull reduced my score by several points which caused me to lose favorable insurance rates during underwriting. 
XXXX XX/XX/XXXX Inquiry This inquiry is also unauthorized and unlawful under FCRA 604 . I did not authorize or apply for credit on this date. The presence of this inquiry misrepresents my credit-seeking behavior and made me appear as a high-risk consumer. Because of this I was denied approval for a consolidation loan. 
XXXX XXXX XX/XX/XXXX Inquiry This second inquiry from the same creditor is also unauthorized. Repeated inquiries without my permission create the false narrative that I am desperately seeking credit when in fact I never applied. This inaccurate reporting has caused ongoing emotional distress and measurable financial damage because I was denied approval for a major line of credit that would have lowered my debt utilization. 
I am demanding immediate and permanent deletion of these inaccurate charge off collection and unauthorized inquiries from my credit file these items are unverifiable and reported in violation of federal law if not removed I will pursue legal remedies including but not limited to filing suit for damages under FCRA 616 & 617 and FDCPA 813 I respectfully request the CFPB to investigate these violations hold the credit bureaus and furnishers accountable and ensure that my consumer credit file reflects only accurate and verifiable information as required under the 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