Consumer complaint received 2025-09-25 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, I am submitting this formal complaint to dispute multiple inaccuracies, unauthorized inquiries, and false reporting on my credit report and to report violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 16921692p ). These inaccuracies and unauthorized actions have caused material financial harm, stress, and disruption to my ability to access credit. Despite repeated attempts to correct these errors directly with the creditors and credit bureaus, the items remain unresolved. I demand immediate investigation, correction, and removal of all disputed information. 
Wrong Addresses Reported : XXXX XXXX, XXXX, CA XXXX I have never resided at this address. Its appearance on my credit report has caused confusion with lenders and utility providers, resulting in delays for approvals and service setups. This misreporting also raises concerns about potential identity theft. Under FCRA 1681e ( b ), reporting inaccurate addresses is a clear violation, and it undermines the integrity of my credit profile. 
XXXX XXXX, XXXX, CA XXXX This address is entirely unrelated to me. Its presence has triggered collection notices for debts I do not owe, causing unnecessary stress, potential harassment from collection agencies, and risk of wrongful legal action. Each notice forces me to spend hours disputing and clarifying my residency. 
Account Disputes : XXXX XXXX XXXX XXXX XXXX Chargeoff, High Balance {$2600.00}, Opened XX/XX/XXXX This account is inaccurately reported as a charge-off. I have never received proper notice or validation of this debt as required under FDCPA XXXX. The reporting of this account has caused multiple loan application rejections and increased interest rates. The charge-off is not only incorrect but also materially harmful, affecting my financial stability and personal reputation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX {$3100.00}, Opened XX/XX/XXXX The balance reported is inconsistent with my account records. I dispute the legitimacy of this charge-off as I was never provided accurate statements, notices, or validation. Its reporting has resulted in collection calls, stress, and negative impacts on my ability to access credit or secure housing. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff, High Balance {$25000.00}, Opened XX/XX/XXXX This charge-off is falsely reported. I have documentation proving payments and account activity contradicting this status. The erroneous charge-off has caused financial strain, including higher insurance premiums and denied credit applications. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Chargeoff, High Balance {$1000.00}, Opened XX/XX/XXXX This account is falsely reported as a charge-off. The error has led to undue collection pressures and has directly impacted my ability to obtain credit, rent housing, and manage financial obligations responsibly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Late Payment, High Balance {$22000.00}, Opened XX/XX/XXXX This account was reported late incorrectly. I have records proving timely payments and proper account management. The inaccurate late payment has caused higher interest rates, denied credit applications, and unnecessary stress, violating FCRA 1681s-2 ( b ). 
Hard Inquiry Disputes ( Unauthorized/Inaccurate ) : XXXX XXXX Inquiry XX/XX/XXXX Unauthorized inquiry impacting credit score and causing undue financial stress. 
XXXX Inquiry XX/XX/XXXX I did not approve this inquiry. It has contributed to multiple loan denials. 
XXXX Inquiry XX/XX/XXXX Unauthorized and harmful ; negatively affects my ability to obtain financing. 
XXXX Inquiry XX/XX/XXXX I did not authorize this inquiry ; it has materially damaged my credit profile. 
XXXX XXXX Inquiry XX/XX/XXXX This inquiry was unauthorized and has negatively influenced my credit score. 
XXXX Inquiry XX/XX/XXXX I did not initiate this inquiry ; it is inaccurate and harmful. 
Supporting Statement : The cumulative effect of false charge-offs, incorrectly reported late payments, and unauthorized inquiries has caused denied loans, higher interest rates, collection calls, and significant stress. I have attempted to resolve these directly with creditors and credit bureaus, but the errors persist. FCRA 1681i requires credit bureaus to investigate and correct inaccuracies promptly. FDCPA 1692 mandates validation of debts and prohibits reporting false information. The repeated misreporting constitutes a material violation of my rights and has materially harmed my financial wellbeing.

I demand : 1. Immediate deletion or correction of all disputed charge-offs and late payments.

2. Removal of all unauthorized inquiries listed above.

3. Written confirmation of completed investigation in compliance with FCRA 1681i.

4. Notification to all credit reporting agencies to update my credit file accurately.

Failure to comply will leave me no choice but to pursue legal remedies under FCRA and FDCPA. This matter is urgent and requires immediate CFPB attention.

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