Consumer complaint received 2025-07-23 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 formal complaint to the Consumer Financial Protection Bureau ( CFPB ) to report multiple inaccurate, misleading, and harmful credit entries that are currently being reported by furnishers and credit reporting agencies. These accounts have been damaging to my credit profile, affecting my ability to obtain fair credit and causing emotional and financial hardship. Despite my repeated efforts to dispute and request verification, these accounts remain unresolved and continue to violate my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I respectfully request the CFPBs assistance in investigating these issues and ensuring that my credit report is corrected as required by law. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : This address is incorrect and has never been associated with me Law Violated : FCRA 604 ( c ), 607 ( b ) Instruction & Story : I have never resided at this address. Including this incorrect address associates me with accounts and inquiries that are not mine, causing harm to my credit reputation and increasing my risk of identity misrepresentation. Remove immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$820.00} Charge Off * * Issue : Charge-off reporting without proper verification Law Violated : FCRA 611 ( a ), 609 ( a ), 602 ( a ) Instruction & Story : I was not properly notified of delinquency, and the account status is incorrect. The bureau must obtain written verification from XXXX XXXX or delete this account from my credit file. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Issue : Late payment inaccurately reported Law Violated : FCRA 607 ( b ), 611 ( a ) Instruction & Story : This account shows a late payment despite having a {$0.00} balance, which is contradictory. Please investigate and remove the inaccurate delinquency information. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Issue : Unjustified delinquency Law Violated : FCRA 611 ( a ), 602 ( a ) Instruction & Story : No supporting documentation was provided for this late payment. This harms my score unfairly and must be corrected or removed. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Late Payment * * Issue : Federal student loan inaccurately showing late Law Violated : Higher Education Act 430A, FCRA 611 ( a ) Instruction & Story : Federal student loan servicers must follow strict reporting rules. This payment was under forbearance at the time and should not have been marked late. Request immediate correction. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7400.00} Late Payment * * Issue : Federal loan incorrectly reported late Law Violated : FCRA 609 ( a ), 611 ( a ), HEA 430A Instruction & Story : Payment was deferred and reporting as late is a serious error. Request complete deletion of derogatory mark. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5600.00} Late Payment * * Issue : Late payment invalid under deferment Law Violated : Same as above Instruction & Story : This account was in a qualified deferment status. The derogatory mark is inaccurate and must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$620.00} Late Payment * * Issue : Misreported loan status Law Violated : Same as above Instruction & Story : Another XXXX loan wrongly showing as late during deferment period. These are regulatory violations and must be corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6400.00} Late Payment * * Issue : Inaccurate delinquency report Law Violated : FCRA 611 ( a ), HEA 430A Instruction & Story : Incorrectly showing late payments under deferment status. I request immediate correction or deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3600.00} Late Payment * * Issue : Delinquency under active deferment Law Violated : FCRA 607 ( b ), HEA 430A Instruction & Story : Loan was deferred and should not be reported as late. Please delete this inaccurate derogatory record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} Late Payment * * Issue : Misreported late payment Law Violated : FCRA 611 ( a ), HEA 430A Instruction & Story : As with the prior, this entry is inaccurate. I was not notified of delinquency and the account was not past due. Delete or correct. 

XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized hard inquiry Law Violated : FCRA 604 ( a ) ( 2 ), 604 ( c ) ( 1 ) Instruction & Story : I never applied for credit from this company and did not authorize this inquiry. Please remove it immediately. 

XXXX XXXX XXXX  XX/XX/XXXX Inquiry Issue : Inaccurate credit pull Law Violated : Same as above Instruction & Story : No permissible purpose existed for this inquiry. This is an FCRA violation and must be removed. 

XXXX XXXX XX/XX/XXXX Inquiry Issue : Hard inquiry without consent Law Violated : FCRA 604 ( a ) Instruction & Story : No application was submitted to this dealership. This inquiry is unauthorized and must be deleted. 

XXXX XX/XX/XXXX Inquiry Issue : Inaccurate inquiry reporting Law Violated : FCRA 604 Instruction & Story : I did not authorize this lender to access my credit. Please remove the inquiry. 

XXXX XX/XX/XXXX Inquiry Issue : Unapproved credit pull Law Violated : FCRA 604 Instruction & Story : This inquiry was made without my knowledge or authorization. I demand its immediate removal. 

XXXX XXXX  XX/XX/XXXX Inquiry Issue : Unauthorized inquiry Law Violated : Same as above Instruction & Story : I never applied for a loan or credit with this company. This violates permissible purpose under FCRA. 

XXXX XX/XX/XXXX Inquiry Issue : Invalid inquiry Law Violated : FCRA 604 ( a ) Instruction & Story : No authorization given to XXXX to review my credit. This must be deleted. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these matters thoroughly and take appropriate enforcement or corrective action to ensure my rights as a consumer are protected. These inaccuracies have caused serious damage to my credit score and financial wellbeing, and they remain unresolved despite my good faith efforts to communicate with the furnishers and the credit bureaus. I respectfully ask the CFPB to ensure these accounts are properly verified or deleted and to hold the reporting entities accountable for any violations of federal law. I request copies of all findings and results once the investigation is complete.

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