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:
Dear CFPB Representative, I am submitting this complaint regarding multiple inaccurate, misleading, and unlawful items being reported on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. These accounts are being reported in error, are duplicative, unverifiable, and are damaging my creditworthiness. 
Wrong and Fraudulent Addresses Reported ( Identity Theft Concern ) XXXX XXXX XXXX XXXX, TX XXXX Wrong Address XXXX XXXX XXXX XXXX, TX XXXX Wrong Address These addresses are not connected to me. Their presence suggests either mixed file errors or identity theft, both of which violate my rights under FCRA 1681e ( b ) ( reasonable procedures to assure maximum accuracy ). Because of these false addresses, I have been denied housing, faced suspicion of fraud, and have had to explain myself to employers and landlords. This creates not just financial harm but personal embarrassment. 
Disputed Accounts and Issues XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$730.00} | Status : Charge Off Issue : This account is reported as a charge-off. The reporting is inaccurate and misleading. A charge-off does not mean I no longer owe the debt, yet the creditor has failed to properly update the balance and payment history. This violates FCRA 1681s-2 ( b ).

Story : Because of this charge-off, I was denied approval for an auto loan that I needed for work. Lenders immediately assume I am financially irresponsible, when in fact the reporting is misleading. This has left me dependent on unreliable transportation, costing me job opportunities and stability. 
XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$980.00} | Status : Charge Off Issue : Duplicate reporting of charge-offs from the same creditor inflates the damage to my credit score, which is misleading and unlawful. This appears to be a violation of FCRA 1681i ( a ) ( 1 ) requiring reinvestigation.

Story : This duplicate entry makes it look like I defaulted on two separate accounts, when in reality it is one creditor. This exaggeration has caused my credit score to drop even further, preventing me from qualifying for basic credit cards with fair interest rates. The duplicate reporting makes me look reckless with credit, when that is not the truth. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Charge Off Issue : This account is listed as a charge-off with a balance of {$0.00}. Reporting a XXXX balance while keeping a charge-off status is inconsistent and misleading to lenders. 
XXXX : This has made it seem as though I had a serious delinquency even though I owe nothing. I have had to explain to potential lenders why there is a charge-off but no balance. This creates confusion and paints me in a negative light that is not accurate. It has directly led to higher insurance premiums and denials of financing. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Charge Off Issue : Same issue as above. Such practices create a false impression of unresolved derogatory items and violate FCRA 1681e ( b ).

Story : This account makes my credit profile appear as if I had multiple failures to pay, when in reality I owe nothing. Lenders who see this believe I have a pattern of defaulting. Because of this, I have been denied the ability to refinance my existing obligations at a lower rate, costing me significant financial losses each month. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Late Payment Issue : This account shows late payments despite reporting a {$0.00} balance. It is impossible to be late on a closed or zero-balance account. This is materially inaccurate reporting in violation of FCRA 1681i.

Story : These false late payments have made it appear that I do not honor my financial commitments. Because of this, I was denied a rental application for housing, as landlords considered me too risky. This has caused not only financial strain but deep emotional distress as I struggled to find stable housing for myself and my family. 
XXXX : This account created unnecessary suspicion during a background check for employment. I was unfairly judged as financially irresponsible, causing emotional stress and loss of opportunity. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$3000.00} | Status : Charge Off Issue : Yet another duplicate XXXX XXXX  entry. The repetition of the same balance across multiple accounts is unlawful and misleading. 
XXXX : This repeated negative reporting has magnified the appearance of delinquency. It caused me to be denied affordable housing, leaving me in unstable living conditions. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$93.00} | Status : Charge Off Issue : Reporting such a small balance as a charge-off is disproportionate and damaging. It reflects a lack of reasonable procedures for accuracy. 
Story : This entry has made it seem as though I defaulted on even the smallest obligations. Because of this, I was denied access to a store credit card, further limiting my financial flexibility and dignity. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1000.00} | Status : Charge Off Issue : This account is reported as a charge-off without proper verification or proof of accuracy. The balance and reporting are misleading, violating FCRA 1681s-2 ( b ).

Story : Because of this false charge-off, I was denied a consolidation loan that would have helped me reduce my debt. Instead, I was forced to keep paying higher interest on multiple accounts, causing further financial hardship. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Late Payment Issue : Reporting late payments on a {$0.00} balance account is materially inaccurate. It is impossible to be late on an account that has no balance due. 
Story : These false late payments damaged my credibility with auto lenders. When I attempted to trade in and upgrade my vehicle, I was rejected for financing. This has directly impacted my ability to maintain reliable transportation for work. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Late Payment Issue : Late payments are being reported on an account with a {$0.00} balance, which is inaccurate and misleading.

Story : This negative mark from such a major national bank has been particularly harmful. It has made other lenders assume I can not manage even large reputable accounts, leading to denials of credit card applications that I needed to build positive history. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1500.00} | Status : Collection Issue : Third-party collection, no proof of ownership, no contract provided. 
XXXX : This collection is preventing me from qualifying for a home loan. I have been saving for years, but this false reporting is keeping me locked out of fair housing opportunities. It is an unjust barrier that XXXX has no legal right to impose without proof. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1200.00} | Status : Collection ( Duplicate ) Issue : Duplicate collection account being reported, double-damaging my credit. 
XXXX : This duplicate reporting has created severe harm. It makes it appear as though I have twice the amount of debt. I was denied a personal loan due to excessive collections which was caused directly by XXXX inaccurate and misleading reporting. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1600.00} | Status : Collection Issue : Debt buyer reporting unverifiable account without chain of title or contract. Violates FDCPA 809 ( b ) and FCRA 611 ( a ) ( 5 ).

Story : This account has created devastating consequences. I was turned away from refinancing my auto loan, which forced me to continue paying extremely high monthly payments. This is causing ongoing financial harm and mental stress for my entire household. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$920.00} | Status : Collection Issue : XXXX Funding is a known debt buyer. They are reporting this debt without providing chain of title, bill of sale, or original contract. This violates FDCPA 809 ( b ) ( failure to validate ) and FCRA 611 ( a ) ( 5 ) ( must delete unverifiable information ). 
Story : Because of this unverifiable account, I was denied approval for a credit card with a major bank. This denial has limited my ability to rebuild credit and provide financial stability for my family. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$960.00} | Status : Collection Issue : Resurgent Receivables is reporting a collection account without validating debt ownership. No original contract, billing history, or proof of assignment has been provided. Violates FCRA 609 and FDCPA 807 ( 2 ) ( A ).

Story : This account has harmed me by lowering my credit score, which resulted in higher loan interest rates. I am paying more than I should every month because of this false and unverifiable reporting. 
XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$430.00} | Status : Collection Issue : XXXX XXXX XXXX is reporting an account without proper verification. They failed to provide the required documents under FDCPA 809 ( b ). Reporting unverifiable accounts violates FCRA 607 ( b ) which requires maximum accuracy. 
XXXX : This false collection account caused me to be denied approval for a rental property. I had to settle for less favorable housing options, paying higher rent and facing emotional distress. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$570.00} | Status : Collection Issue : Yet another duplicate of the same account already listed above. Multiple duplicates are a pattern of abuse. Violates FCRA 607 ( b ) and FDCPA 807 ( 8 ).

Story : This has created long-term harm. I continue to face denials for even small lines of credit, such as store financing, which affects my household purchases and financial planning. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$790.00} | Status : Collection Issue : XXXX is a debt buyer and is reporting this alleged debt without providing chain of title, bill of sale, or contract. This violates FDCPA 809 ( b ) and FCRA 611 ( a ) ( 5 ).

Story : This account has lowered my credit score and caused a denial for an auto loan refinance. I am forced to pay higher monthly car payments because of an unverifiable collection that XXXX can not prove they own. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$100.00} | Status : Charge Off Issue : XXXX is reporting this as a charge off but has never validated the debt. No proof has been provided.

Story : Even though the balance is small, it created negative scoring impacts. Because of this derogatory tradeline, I was denied approval for a cell phone financing plan, which forced me into upfront costs I could not afford. 
XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Charge Off Issue : Account reported as a charge off with zero balance, which is contradictory and inaccurate. Violates FCRA 623 ( a ) ( 1 ) ( A ).

Story : Even though the balance shows zero, the charge off status unfairly damages my credit. This misreporting has blocked me from receiving fair housing opportunities, since landlords rely on credit history. 
Hard Inquiries ( Unauthorized/Excessive ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : These inquiries appear on my credit report without my knowledge or full authorization. Multiple inquiries on the same day for auto or consumer credit look like shotgunned applications, which harms my score unfairly. This violates FCRA 604 ( a ) which requires permissible purpose and FCRA 607 ( a ) accuracy requirements.

Story : These excessive inquiries lowered my credit score by dozens of points, making it harder for me to qualify for financing. They make it appear as though I am desperate for credit, which lenders use against me. This has cost me higher interest rates, loan denials, and financial instability.

Requested Resolution I am requesting that CFPB : 1. Investigate these accounts and inquiries thoroughly.

2. Require the furnishers and credit bureaus to provide full validation and documentation.

3. Permanently delete any unverifiable, duplicate, or unauthorized items.

4. Ensure compliance with FCRA and FDCPA standards to prevent further harm.

I am suffering ongoing harm from these inaccurate and unlawful reports, including denial of credit, higher interest rates, and damage to my reputation. I request immediate relief and removal of these accounts and inquiries.

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