Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
Dear CFPB, I am filing this complaint because multiple accounts have been reported inaccurately on my credit reports, causing severe harm to my financial reputation. These accounts have either been reported without proper validation, in violation of federal laws, or contain errors that do not reflect my true financial history. I am requesting your office to intervene and ensure full compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX XXXX XXXX XXXX, CA XXXX Wrong Address Issue : This address does not belong to me and has never been associated with my residence history. Reporting it falsely links me to potential fraudulent activity. 
XXXX : FCRA 609 ( a ) and 611 ( a ) require consumer reporting agencies to maintain maximum possible accuracy and delete unverifiable or incorrect information. 
Story : Because this wrong address is attached to my report, lenders have questioned my identity during applications. I have faced embarrassment explaining that I never lived there. It has created suspicion as if I was trying to hide something, and even delayed a car loan approval. These types of false addresses make me look like I have unstable residency which is completely untrue and has hurt both my credibility and trust with lenders. 
XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Wrong Address Issue : This is another incorrect address reported under my credit file.Law : FCRA 602 ( A ) ( 1 ) emphasizes fair and accurate reporting as a vital element of financial stability.Story : Because of this misreporting, a landlord questioned my rental application, asking why my report showed multiple unrelated addresses. This made me lose confidence and trust with potential housing opportunities. It paints me as someone who moves frequently without stability, when in reality I have been consistent in my residence. This false reporting has harmed my chances of securing a safe home for my family. 
XXXX XXXX High Balance : {$1600.00} Date Opened : XX/XX/XXXX Chargeoff Issue : This account is being reported as a chargeoff without proper validation of debt or proof of accuracy.Law : FDCPA 809 ( b ) requires debt XXXX and furnishers to validate debts, and FCRA 623 prohibits reporting inaccurate information.Story : XXXX Bank never provided me with a signed contract or proper billing statements proving this account belongs to me. Despite my disputes, the account still shows as a chargeoff. This unfairly lowers my score and gives lenders the impression that I default on obligations. It has caused me higher interest rates, loan denials, and constant stress every time I apply for credit. The lack of transparency and refusal to validate this debt is both unfair and unlawful. 
XXXX XXXX XXXX High Balance : {$5000.00} Date Opened : XX/XX/XXXX Chargeoff Issue : Reported as a chargeoff without accurate validation.Law : FCRA XXXX681s-2 ( b ) requires furnishers to investigate disputed information.Story : XXXX XXXXXXXX has XXXX reported this debt as a chargeoff without showing proof it belongs to me. Because of this, I was denied a personal loan that I urgently needed during a financial hardship. The wrongful reporting has added unnecessary pressure and humiliation. I feel as though my rights are being ignored and my financial stability is being destroyed by false information that has no proof behind it. 
XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Chargeoff Issue : This account is inaccurately listed as chargeoff with a balance of {$0.00}, which is contradictory and misleading.Law : FCRA 607 ( b ) requires maximum possible accuracy in reporting.Story : Reporting a {$0.00} balance account as a chargeoff makes absolutely no sense. It is a sign of gross negligence in reporting. This wrong reporting has confused lenders and has given the impression that I am unreliable even though there was never any balance due. This is an unfair blemish on my credit report that should not exist, and it has caused unnecessary damage to my financial life. 
XXXX XXXX XXXX High Balance : {$7000.00} Date Opened : XX/XX/XXXX Chargeoff Issue : Reported chargeoff with no proper documentation or validation.Law : FDCPA 807 prohibits false representation of debts, and FCRA requires deletion of unverifiable accounts.Story : XXXX XXXX has marked this account as charged off without providing validation despite my multiple disputes. This has been XXXX of the most harmful items on my credit report because it makes me appear as if I defaulted on a large loan. Because of this, I have been denied mortgages, personal loans, and even fair credit card limits. The emotional stress of constantly being judged for something I did not do is overwhelming. This is not only financially damaging but also degrading to my personal reputation. 
XXXX XXXXXXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX Late Payment Issue : Reported with late payments that are not accurate and not properly validated.Law : Under FCRA 607 ( b ) consumer reporting agencies must ensure maximum possible accuracy, and under FCRA 623 furnishers must not report information they know or should know is inaccurate.Story : I was never provided with proper billing statements proving these late payments occurred. Because of this false reporting, I was denied a refinance opportunity which could have lowered my financial burden. Instead, I continue to suffer higher monthly payments due to this error. This false report has created an image that I am financially irresponsible, when the reality is the creditor failed to maintain accurate reporting. 
XXXX XXXXXXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX Late Payment Issue : This account is inaccurately showing late payments.Law : FCRA 611 requires disputed information to be investigated and corrected or deleted if it can not be verified.Story : Because of these late payments being reported, I faced rejection during a rental application. The landlord believed I could not be trusted to pay rent on time. This was extremely humiliating and caused hardship for me and my family. The creditor never validated these lates, yet the damage to my reputation continues to grow. 
XXXX XXXXXXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Late Payment Issue : Reported as having late payments without proper validation.Law : FCRA 1681i mandates reinvestigation of disputed items, and inaccurate late payment records must be deleted.Story : This inaccurate late payment reporting has forced me into higher interest rates for basic credit cards. I was charged excessive interest simply because my XXXX XXXX was being dragged down unfairly. This has caused financial hardship, additional debt, and emotional stress as I struggle to manage costs that would not exist if my report were accurate. 
XXXX XXXX XXXX : {$770.00} Date Opened : XX/XX/XXXX Collection Issue : This is a duplicate and inaccurate collection account.Law : FCRA 609 and 611 protect consumers from duplicate or inaccurate reporting, and FDCPA prohibits unfair collection practices.Story : This appears to be the same account as XXXX but is listed separately, creating double damage. Duplicate reporting is a serious violation of my rights and makes it look like I owe more than I actually do. This has resulted in higher denials and suspicion from lenders who see XXXX collections instead of XXXX. This practice is unfair, misleading, and unlawful, and has left me feeling hopeless about repairing my credit. 
XXXXXXXX XXXX XXXXXXXX High Balance : {$4700.00} Date Opened : XX/XX/XXXX Collection Issue : Reported as a collection account without proper debt validation.Law : FDCPA 809 ( b ) requires debt validation upon request ; FCRA 623 prohibits furnishers from reporting inaccurate or unverifiable information.Story : XXXX XXXX has never provided me with proof of this debt such as an original signed agreement or complete billing statements. Yet, they continue to report it as a collection account. This has dragged down my XXXX XXXX for years and led to repeated denials for credit, auto financing, and housing. This false reporting is abusive and has created ongoing financial and emotional hardship for me. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized inquiry harming my credit score.Law : FCRA 604 requires a permissible purpose before an inquiry XXXX be made.Story : I never authorized this credit inquiry. Each unauthorized inquiry reduces my score and creates suspicion with lenders. This unnecessary and harmful inquiry makes it appear as though I am aggressively seeking credit, which is misleading and unfair. 
XXXX XX/XX/XXXX XXXX XXXX : Duplicate inquiries without my authorization.Law : FCRA violation due to lack of permissible purpose.Story : XXXX made multiple inquiries on the same date without my consent. This is excessive, harmful, and makes it look like I applied for multiple accounts, which never happened. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized inquiry.Law : FCRA 604.Story : I did not authorize XXXX Auto to pull my credit. This false inquiry has lowered my score and hurt my credibility with other lenders. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Unauthorized inquiry.Law : Same as above.Story : This inquiry was made without my approval. It is hurting my credit standing unfairly. 
XXXX XX/XX/XXXX XXXX XXXX : Unauthorized.Law : FCRA violation.Story : This inquiry is harming my score and reputation, showing me as applying for unnecessary credit. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized.Law : FCRA XXXX : I never applied with XXXX XXXX. This is damaging my report without my consent. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized and duplicate inquiry.Law : FCRA XXXX : Another unauthorized XXXX Auto inquiry that has reduced my score and damaged my credit history unfairly. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Unauthorized duplicate inquiry.Law : FCRA XXXXXXXX XXXX XXXX XXXX XXXX  pulled my credit again without authorization. This has doubled the negative impact on my file. 
Conclusion : Each of these accounts has been reported in violation of federal law. I am requesting the CFPB to investigate these matters, demand validation from the furnishers, and ensure that any unverifiable or inaccurate accounts are permanently deleted from my credit reports. Consumers like me deserve protection from abusive and unlawful credit reporting practices. 
I trust your office will act promptly to hold these furnishers accountable and to restore accuracy to my credit history.

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