Consumer complaint received 2025-08-22 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:
I am writing to demand an immediate investigation into multiple inaccurate entries on my credit report, including collections and unauthorized inquiries, which have caused severe financial, emotional, and reputational harm. These entries are false, misleading, and violate my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ). Despite my repeated efforts to dispute these inaccuracies, they continue to negatively affect my creditworthiness and daily life.

The impact of these inaccuracies is profound. They have caused loan denials, higher interest rates, undue XXXX, and have tarnished my financial reputation. These are not minor clerical errorsthey are systemic failures that demand immediate correction. 
Address Disputes : XXXX XXXX XXXX # XXXX, XXXX, CA XXXX Issue : Wrong Address Law : FCRA Section 609 ( a ) ( 1 ) Right to accurate credit information Story : This address has been falsely listed on my credit report. I have never resided here, yet due to this error, I have missed crucial billing statements and notifications. This misreporting has caused confusion with creditors and created a situation where my financial reputation is questioned. The constant barrage of misdirected communications has led to XXXX, sleepless nights, and distrust in the credit reporting system. Despite my repeated efforts to correct this with the reporting agencies, no action has been taken, leaving me vulnerable to identity theft and financial mismanagement. 
XXXX XXXX XXXX, XXXX XXXX, CA XXXX Issue : Wrong Address Law : FCRA Section 611 Dispute of inaccurate information Story : I have never used or rented this XXXX XXXX XXXX yet it appears on my credit file. This false listing is misleading to lenders and collections agencies, suggesting I may have undisclosed debts or hidden financial obligations. This misrepresentation has made me ineligible for loans, prevented me from obtaining fair credit terms, and created ongoing financial instability. The incorrect reporting has directly interfered with my daily life and caused emotional XXXX that no consumer should have to endure. 
XXXX XXXX, High Balance : {$1000.00}, Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA Section 1681s-2 ( a ) ( 1 ) ( A ) Duty to report accurate information Story : I have been wrongly reported as late on this account. I have consistently made my payments on time, yet this misinformation has decreased my credit score, limiting my access to credit and affecting my financial planning. The XXXX  caused by this misreporting has been overwhelming, making me XXXX  about potential loan denials and interest rate penalties. This violation undermines my rights as a consumer and my trust in the reporting system. 
XXXX XXXX, High Balance : {$590.00}, Date Opened : XX/XX/XXXX Issue : Charge-Off Law : FCRA Section 1681i Right to dispute inaccurate information Story : I did not default on this account, yet it has been reported as a charge-off. This false reporting suggests financial irresponsibility and has already caused my loan applications to be denied. The reputational damage is severe, as lenders assume I have a history of failing to meet financial obligations. This error is not merely a data issueit is a direct attack on my financial stability and credibility. 
XXXX XXXX XXXX, High Balance : {$890.00}, Date Opened : XX/XX/XXXX Issue : Charge-Off Law : FDCPA Section 1692e Prohibition of false representation Story : The charge-off status is entirely incorrect. This misrepresentation has led to unwarranted collection calls, XXXX  XXXX, and disrupted my peace of mind. The reporting agencys failure to verify accurate data has imposed undue XXXX  on my personal and professional life. 
XXXX XXXX XXXX XXXXXXXX, High Balance : {$1600.00}, Date Opened : XX/XX/XXXX Issue : Charge-Off Law : FCRA Section 1681s-2 ( b ) Obligation to correct inaccurate reporting Story : I have never defaulted on this account, yet the reported charge-off implies financial irresponsibility. This misinformation has prevented me from obtaining favorable lending options and has forced me to explain inaccurate credit history to potential lenders repeatedly. The impact is not only financial but deeply personal, affecting my confidence and peace of mind. 
XXXX XXXX XXXX High Balance : {$350.00}, Date Opened : XX/XX/XXXX Issue : Charge-Off Law : FCRA Section 1681i Right to reinvestigation Story : The erroneous charge-off listing portrays me as negligent in managing finances. I dispute this completely. Each time this inaccuracy is reviewed, it continues to impact my credit score, causing delays in loan approvals and unnecessary emotional XXXX. This ongoing issue demonstrates the negligence of reporting agencies in verifying information. 
XXXX XXXX XXXX, High Balance : {$320.00}, Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA Section 1681s-2 ( a ) ( 1 ) ( A ) Accurate reporting required Story : This account has been falsely reported as late. The misreporting has hindered my ability to obtain loans and increases interest rates on any credit I am able to access. The repeated XXXX of disputing these inaccuracies affects my mental health, and I demand immediate correction. 
XXXX XXXX XXXX, High Balance : {$470.00}, Date Opened : XX/XX/XXXX Issue : Charge-Off Law : FDCPA Section 1692e Prohibition of false statements Story : The reporting of this account as a charge-off is entirely incorrect. It falsely suggests financial mismanagement, harming my credibility and ability to secure future financial services. Each incorrect report perpetuates a cycle of financial harm and XXXX XXXX 
XXXX XXXX, High Balance : {$1700.00}, Date Opened : XX/XX/XXXX Issue : Charge-Off Law : FCRA Section 1681i Right to dispute Story : The charge-off is false and negatively impacts my creditworthiness. The continuous incorrect reporting creates obstacles in securing housing and loans, and each inquiry into my credit is tainted by this false information. The repeated effort to correct this error has caused undue XXXX  and frustration. 
XXXX XXXX XXXX, High Balance : {$10000.00}, Date Opened : XX/XX/XXXX Issue : Charge-Off Law : FCRA Section 1681s-2 ( b ) Obligation to correct inaccurate reporting Story : This account has been incorrectly reported as charged-off. Such errors are damaging, misleading lenders, and causing direct financial harm. I have been denied loans and faced higher interest rates due to this false information. 
XXXX, XXXX XXXX, High Balance : {$2200.00}, Date Opened : XX/XX/XXXX Issue : Charge-Off Law : FCRA Section 1681i Right to dispute inaccurate information Story : I have never defaulted on this account, yet it has been reported as a charge-off. This inaccurate reporting has negatively impacted my credit score and led to denials for loans and higher interest rates on credit I am otherwise eligible for. The repeated reporting of false delinquencies is causing XXXX  XXXX  and frustration, as I am forced to constantly explain and dispute information I did not authorize. 
XXXX XXXX XXXX High Balance : {$260.00}, Date Opened : XX/XX/XXXX Issue : Charge-Off Law : FDCPA Section 1692e Prohibition of false representation Story : The reporting of this account as a charge-off is entirely incorrect. I have maintained proper financial responsibility, and this false entry misrepresents my credit behavior. The impact is severe, limiting access to fair lending options and creating undue XXXX  over my financial reputation. 
XXXX XXXX XXXX High Balance : {$380.00}, Date Opened : XX/XX/XXXX Issue : Charge-Off Law : FCRA Section 1681s-2 ( a ) ( 1 ) ( A ) Duty to provide accurate information Story : I have never defaulted on this account, yet the credit report lists it as a charge-off. This misinformation directly affects my creditworthiness and creates unnecessary XXXX, as it implies irresponsibility I have not committed. The repeated errors reflect systemic negligence on the part of the reporting agency. 
XXXX XXXX, High Balance : {$8000.00}, Date Opened : XX/XX/XXXX Issue : Charge-Off Law : FCRA Section 1681s-2 ( b ) Obligation to correct inaccurate reporting Story : This charge-off is entirely false. The account has been wrongly reported, leading to financial consequences, including higher interest rates, loan denials, and a damaged credit profile. The emotional toll of disputing this misinformation is significant and ongoing. 
XXXX XXXX, High Balance : {$3700.00}, Date Opened : XX/XX/XXXX Issue : Collection Law : FDCPA Section 1692f Prohibition of unfair collection practices Story : I dispute this collection entirely. It has been reported without validation of the debt, causing me repeated collection attempts, XXXX XXXX and reputational harm. The persistent false reporting is a violation of my rights and creates significant financial and personal hardship. 
XXXX XXXX, High Balance : {$260.00}, Date Opened : XX/XX/XXXX Issue : Collection Law : FCRA Section 1681s-2 ( b ) Obligation to correct inaccurate reporting Story : This account is inaccurately reported as a collection. The false entry misleads lenders about my financial responsibility, impacting my ability to obtain loans and increasing interest rates. The ongoing presence of this incorrect reporting causes constant XXXX  and disruption in my personal and professional life. 
Unauthorized Inquiries Disputes : XXXX XXXX, XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA Section 604 ( a ) ( 3 ) Permissible purpose for credit inquiries Story : This inquiry was conducted without my authorization. Unauthorized inquiries negatively affect my credit score and suggest financial activity that I did not initiate, creating unwarranted scrutiny from lenders and financial institutions. 
XXXX, XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA Section 604 ( a ) Credit report access must have permissible purpose Story : This inquiry was done without my consent. It falsely implies that I applied for credit, leading to potential denials and higher interest rates. Such actions violate my consumer rights and compromise my credit profile. 
XXXX, XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA Section 604 ( a ) Unauthorized access prohibited Story : This inquiry was done without my consent. It falsely portrays my financial behavior, misleads lenders, and contributes to inaccurate credit scoring, all of which violate my consumer rights.

Conclusion : The inaccurate reporting of these collections and unauthorized inquiries has caused severe financial and emotional harm. I request the CFPB to immediately investigate, ensure these entries are corrected or removed, and hold the reporting agencies accountable under FCRA and FDCPA provisions. Continued misreporting misrepresents my creditworthiness, causes undue XXXX, and obstructs fair access to financial services.

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