Consumer complaint received 2025-08-30 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: NV

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit report, including false addresses, late payments, charge-offs, and unauthorized inquiries which violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. The reporting of these items has caused severe financial hardship, emotional distress, and tangible harm to my personal, professional, and family life. I demand immediate investigation, correction, and deletion of all inaccurate and unverifiable information. 
Address : XXXX XXXX XXXX, XXXX XXXX, NV XXXX I dispute this address. I have no connection to this property. The false reporting has resulted in denial of emergency personal loans and disrupted my ability to pay urgent bills, causing financial strain and anxiety. I have spent hours contacting lenders to clarify this error, which has disrupted my professional life and caused repeated sleepless nights. This constitutes a violation of FCRA Sections 609 and 611, which require accurate reporting and prompt correction of disputed items. 
Address : XXXX XXXX XXXX XXXXXXXX, CA XXXX I dispute this address. I have never lived at or been affiliated with this location. The inaccurate reporting has caused my rental applications to be rejected, delayed access to emergency financial aid, and forced me to spend additional money on temporary housing. The ongoing presence of this false address has caused severe anxiety, stress, and disruption in my personal and professional life. Under FCRA Sections 609 and 611, consumer reporting agencies are required to ensure all information is accurate, complete, and verifiable, and to correct disputed inaccuracies immediately. 
Account : XXXX XXXX XXXX High Balance : {$840.00} Date Opened : XX/XX/XXXX Issue : Late Payment I dispute the reported late payments. I have consistently made my payments on time, yet this account has been falsely reported as delinquent. Because of this error, I was denied an urgent personal loan I needed for medical expenses, which forced me to delay critical treatments and caused extreme stress and anxiety. The misreporting has led to repeated phone calls from lenders questioning my credibility, jeopardizing my ability to secure housing and transportation. The furnisher has failed to provide documentation, and continuing to report these late payments without verification violates FCRA Section 609. 
Account : XXXX XXXXXXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Issue : Late Payment I dispute this late payment in its entirety. Documentation of all transactions and payment history has not been provided. The false late payment caused my car repair loan to be denied, leaving me without reliable transportation to commute to work. This has resulted in lost wages, fear of unemployment, and immense emotional strain on me and my family. The negative impact on my life is disproportionate to any alleged debt, and reporting this account without verification constitutes a willful violation of FCRA and FDCPA. 
Account : XXXX XXXXXXXX XXXX High Balance : {$2300.00} Date Opened : XX/XX/XXXX Issue : Late Payment I dispute the accuracy of this account 's reporting. The alleged late payments are false. Without the original signed agreement and itemized account records, reporting this item is unlawful under federal law. This false information has caused me to be denied rental applications multiple times, forcing me to live in temporary accommodations, endure repeated stress, and spend additional money on last-minute housing arrangements. The emotional and financial burden of this error is ongoing and unacceptable. 
Account : XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Issue : Late Payment I dispute the reported late payments. I have always met my obligations on time. Despite this, the misreporting has caused lenders to charge higher interest rates on other credit lines, limiting my financial options and creating unnecessary financial pressure. I have experienced sleepless nights, constant anxiety, and fear of financial instability due to this incorrect reporting. This constitutes a violation of federal law, and I demand immediate removal of this erroneous information. 
Account : XXXX XXXX XXXX High Balance : {$5400.00} Date Opened : XX/XX/XXXX Issue : Late Payment I dispute this late payment. The furnisher has not provided any documentation to validate the account. Due to this false reporting, I was denied a business loan essential for a professional opportunity that could have improved my livelihood. The financial and personal impact of this error has been severe, affecting my career, family well-being, and mental health. Reporting unverified information is a clear violation of FCRA, and I demand immediate correction. 
Incorrect Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX dispute all reported addresses. These addresses are inaccurate, and the reporting of these incorrect locations has caused material harm to my credit profile, loan approvals, and personal reputation. Lenders and institutions have repeatedly denied applications based on these false addresses, creating ongoing financial insecurity and emotional distress. The inability to correct this misinformation has led to confusion, miscommunication, and unnecessary harassment from creditors and debt collectors. Accurate reporting is required under FCRA Sections 609 and 611. 
Account : XXXX XXXX High Balance : {$22000.00} Date Opened : XX/XX/XXXX Issue : Late Payment I dispute the reported late payment. I have consistently made payments on time, yet this account has been falsely reported as delinquent. Because of this error, I was denied an urgent personal loan I needed for medical expenses for my family. I had to delay critical medical treatments, causing fear, anxiety, and sleepless nights. Additionally, the inaccurate reporting led to higher interest rates on other accounts, financial instability, and repeated denials for basic financial services. This misreporting has caused humiliation and severe stress in managing my day-to-day life. 
Account : XXXX XXXX XXXX * High Balance : {$23000.00} Date Opened : XX/XX/XXXX Issue : Charge-Off I dispute this charge-off in its entirety. I never received proper notice or documentation, and I was unaware of any delinquency. The false reporting has caused my auto insurance premiums to skyrocket, delayed refinancing opportunities, and jeopardized my ability to commute to work reliably. This has resulted in lost income, increased expenses, and ongoing stress. My professional reputation has also been affected, as lenders and potential employers have questioned my reliability based on this inaccurate report. 
Account : XXXX XXXXXXXX XXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXX Issue : Charge-Off I dispute this charge-off completely. I have requested verification multiple times but never received documentation. This false report has caused denial of emergency loans I needed for urgent family expenses, leaving me in financial limbo. I have faced sleepless nights worrying about my ability to support my family, pay bills, and meet basic living expenses. The continued presence of this charge-off is a violation of federal law and has inflicted ongoing emotional and financial distress. 
Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX dispute all hard inquiries listed above. Many of these inquiries were unauthorized or not properly consented to by me. These inquiries have directly damaged my credit score, caused repeated loan denials, and increased the cost of borrowing. I have lost critical opportunities, including emergency funding and professional loans necessary for my career and livelihood. Each unauthorized inquiry has created undue XXXX, forced repeated follow-ups with lenders, and added months of stress to an already difficult financial situation. 
I demand that all inaccurate, unverifiable, and unlawfully reported items including late payments, charge-offs, wrong addresses, and unauthorized inquiries be immediately deleted from my credit report. Continued reporting without verification constitutes willful violation of federal law, causing real financial, personal, and emotional harm. I request written confirmation once corrections are completed and full compliance with federal regulations is ensured.

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