Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
To the Consumer Financial Protection Bureau, I am writing to file a formal complaint against the credit reporting agencies ( Equifax, Experian, and TransUnion ) for failing to maintain accurate and verifiable information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x. My credit reports contain multiple incorrect addresses, derogatory account information, and unauthorized inquiries, all of which are harming my financial stability, reputation, and livelihood. 
XXXX XXXX XXXX XXXX, FL XXXX WRONG ADDRESS Issue : This address is being falsely associated with my identity on my credit report. I have never resided at, used, or had any connection to this location. 
Law : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), credit reporting agencies must maintain maximum accuracy and remove unverified or incorrect personal information. 
Story : I have been living at my verified address for years, and this false listing is not only misleading but suggests my file may have been mixed with another consumer or tampered with due to identity misuse. I have already faced loan denials because of associated accounts tied to this wrong address, which never belonged to me. I demand full deletion of this address and an investigation into how this error occurred. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX WRONG ADDRESS Issue : This is not my address and I have never authorized it to be part of my credit profile. 
Law : According to FCRA 1681c ( a ) ( 4 ), outdated or inaccurate addresses that are not verifiable must not be reported.

Story : This address has been wrongfully placed on my report and is affecting the accuracy of my file. Ive never received any mail, bills, or credit cards at this location. During an apartment rental application, I was asked to explain this false address, which caused confusion and embarrassment. It is damaging my credibility and must be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Issue : This mortgage account is showing a late payment despite me having communicated financial hardship and requesting assistance. 
Law : The CARES Act Section 4021 and FCRA 1681s-2 ( a ) state that lenders must accurately report payment status during agreed accommodation or forbearance periods.

Story : During a documented period of hardship, I communicated with the mortgage servicer for assistance. Instead of reflecting the assistance or agreement, they marked me late, which severely damaged my credit score. I had always paid on time prior to this hardship, and the misreporting caused me to lose a housing opportunity. This is inaccurate and must be rectified immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Issue : This late payment is incorrectly reported. 
Law : Under FCRA 1681s-2 ( b ) and FDCPA 809, furnishers are required to investigate disputed information and accurately update reporting.

Story : I was undergoing a medical emergency during the time of this alleged late payment. I informed the creditor of my situation and expected reasonable accommodation. Despite this, they marked me late and never updated the record. This has led to credit denials and humiliation when applying for a car loan. I urge full investigation and correction of this mark. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Issue : The late payment reporting is incorrect due to a transaction error.

Law : FCRA 1681e ( b ) requires accuracy in all data furnished to consumer reporting agencies.

Story : The payment delay was due to XXXX 's own banking system outage which I documented with support tickets and emails. I made the payment on time, but their system failed to process it correctly. Yet, they reported me late, which was unfair and distressing. I have lost financial opportunities due to this misreporting. I need this removed immediately and demand compliance with federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHARGEOFF Issue : The account was marked as charged off while I was in active dispute and requesting debt validation.

Law : Under FDCPA 809 ( b ) and FCRA 1681s-2 ( a ), no negative action should be taken while an account is disputed and unvalidated. 
Story : I wrote to XXXX XXXX multiple times for validation of this debt. They never responded, yet went ahead and reported the account as charged off. This feels like retaliation for asserting my consumer rights. Their actions are abusive and unlawful. This account must be deleted immediately and I want written confirmation of the reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHARGEOFF Issue : Fraud was reported on this account, yet it was charged off and reported against me.

Law : Under FCRA 1681m and FACTA amendments, creditors must not report fraud-related accounts negatively when notified. 
Story : I reported unauthorized activity on this credit card and was told an investigation would be initiated. Instead, the account was charged off and added as derogatory to my file. I feel betrayed and punished for reporting fraud. This account does not reflect my behavior or responsibility and needs to be deleted to prevent further harm. 
XXXX XXXX XXXX XXXX XXXX XXXX CHARGEOFF Issue : This debt was settled in full, yet still appears as charged off.

Law : FCRA 1681c requires that accounts be updated after settlement to reflect paid status.

Story : I settled this account after negotiation and have written proof of payment. However, the creditor continues to report it as charged off with an outstanding balance, which is false and malicious. Its affecting my credit utilization and my character. This account must be updated to show " Paid Settled '' or be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION Issue : This is a duplicate account of the previously listed National Credit Adjust charge-off. 
Law : FCRA and Metro 2 guidelines prohibit reporting the same debt as both charge-off and collection.

Story : I am being punished twice for the same debt. It is extremely unfair and inflates my derogatory items, making my report look worse than it is. This is abusive behavior by collectors trying to pressure repayment on an already settled or invalid account. I demand this duplicate be deleted without delay. 
Personal Impact : Due to these multiple inaccuracies, I have suffered : Denial of credit cards, car loans, and personal loans Rejection for rental housing Embarrassment and suspicion during job background checks Emotional distress and anxiety over my financial security Time and money wasted trying to resolve incorrect information Despite submitting disputes to the credit bureaus, the false data remains. I am requesting the CFPB to intervene and force a full investigation into the reporting practices of the data furnishers and credit bureaus involved.

Resolution Requested : Immediate deletion of all inaccurate addresses Deletion or correction of all disputed accounts and inquiries Written confirmation from all CRAs showing the corrected credit file Civil penalties applied to any furnishers or agencies found in violation

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