Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint against the credit reporting agencies and associated furnishers due to multiple inaccurate, unverifiable, and damaging items currently listed on my credit reports. These items are violating my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) and are causing significant harm to my financial life. I am requesting the CFPBs urgent assistance in investigating and resolving the following : XXXX  XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$520.00} XXXX XXXX XXXX Issue : This account is not mine. I have never received notice, billing, or validation of this debt. The balance is unfamiliar, and I never authorized any collection to be opened under my name. 
Law : FDCPA 809 requires debt collectors to se

nd written validation of debt within 5 days of first contact. FCRA 611 demands a full reinvestigation upon dispute. Story : This entry is hurting my credit score and preventing me from qualifying for a vehicle loan I urgently need to commute to work. Ive never even heard from XXXX XXXX, and yet my life is being affected every day by this false entry. 
XXXX XXXX  XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1100.00} LATE PAYMENT * * Issue : I was never notified of any late payment, and I have not received a single billing statement showing a delinquency. I suspect this is either an error or the result of misapplied payments.

Law : Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of credit data must report accurate and complete information.

Story : This unexpected late mark dropped my score by over XXXX points during a home rental application, causing me to lose the unit I had secured. I suffered financial loss and emotional distress due to this inaccurate reporting. 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX High Credit : {$1000.00} CHARGE OFF * * Issue : I was unaware of this charge-off. I was never contacted or informed that the account had gone delinquent. No final accounting, itemized statements, or right to dispute was provided.

Law : FDCPA 807 prohibits false and misleading representations. FCRA 609 entitles me to see all information on file, which I have not received.

Story : My employment was disrupted due to illness, and I attempted to communicate and settle any obligations. Instead, this entry appeared without warning, deeply damaging my score and my peace of mind. 
XXXX XXXXXXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX CHARGE OFF * * Issue : This charge-off was never communicated to me. I never received any account statements, warning letters, or final demand notices. The reporting appears without transparency or validation.

Law : FCRA 623 ( b ) requires furnishers to investigate disputed information and remove it if unverified.

Story : This reporting has made me appear as financially irresponsible to landlords and lenders. Ive been denied several rental applications and even job screenings due to this unknown debt. 
XXXX XXXX  XXXX * * Date Opened : XX/XX/XXXX High Credit : {$520.00} COLLECTION * * Issue : This is a duplicate of the previously listed XXXX XXXX entry, showing the same amount and nature of debt. Duplicate reporting is unlawful and unfairly worsens my credit profile.

Law : FCRA 607 ( b ) prohibits duplicate or misleading entries.

Story : Seeing the same debt reported multiple times causes unnecessary harm. It makes it look like I owe more than I do. This is confusing and financially damaging. 
XXXX XXXX * * Date Opened : XX/XX/XXXX High Credit : {$130.00} COLLECTION * * Issue : This account is not mine. I have not received any bills or letters of collection related to this amount. I have no contract or record of this debt.

Law : FDCPA 809 ( b ) requires collectors to validate debts before reporting them.

Story : This small collection is destroying my credibility. Lenders often view any collection as a red flag regardless of size, and this is holding me back from rebuilding. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$510.00} COLLECTION * * Issue : I never opened this account. No documentation has been sent to verify it. It may be linked to an incorrect name or social.

Law : FCRA 609 ( a ) ( 1 ) gives me the right to request full account documentation and contract.

Story : I have struggled to recover my financial stability after hardship, and this unverified entry is weighing me down. Its wrong and unfair. 
HARD INQUIRY XXXX XXXX XXXX XX/XX/XXXX Issue : I have not applied for any student loan or XXXX XXXX services on or near this date. 
Law : FCRA 604 ( a ) ( 3 ) prohibits unauthorized inquiries.

Story : Every inquiry impacts my score and public profile. This one makes it look like Im applying for loans I didnt want or need. 
HARD INQUIRY XXXX XXXX XX/XX/XXXX Issue : I did not give permission or initiate any application that would justify this inquiry. 
Law : FCRA 604 requires express consent.

Story : This unauthorized activity raises concerns of identity fraud. I work hard to rebuild, and someone elses mistake or misuse should not derail me.

I have already contacted the credit bureaus with no adequate resolution. I am suffering due to these unlawful reports, and I request immediate help from the CFPB to stop this ongoing harm. I am enclosing supporting documentation ( dispute letters, ID, proof of residence, etc. ) and request your team to take appropriate enforcement action.

Company response to consumer: Closed with non-monetary relief