Consumer complaint received 2025-08-21 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 submitting this complaint under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), and other applicable consumer protection laws. Multiple inaccurate items, unauthorized inquiries, and wrong addresses are being reported on my credit file, causing financial harm, reputational damage, and emotional distress. 
XXXX XXXX XXXX High Balance : {$350.00} Date Opened : XX/XX/XXXX LATE PAYMENT XXXX XXXX Issue : This account is reporting late payments inaccurately. The creditor has failed to provide verifiable proof of the alleged delinquencies. 
Law : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishing information known to be inaccurate. FDCPA 807 prohibits false representation of debt. 
Story : These late payments are not mine or not properly validated, yet they are damaging my financial health. Because of this error, I have been denied credit cards, higher credit limits, and even a rental application. It makes me look irresponsible and financially unstable when in reality I work hard to pay my obligations. The emotional toll of being judged unfairly is heavy, and I have wasted countless hours and resources trying to clear my name. 
XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX CHARGE OFF XXXX XXXX Issue : This account is listed as charged off, but no validation or proper chain of assignment has been provided. Reporting without proof is unlawful. 
Law : FCRA Section 609 & 611, FDCPA Section 809 ( b ) requires validation.

Story : This charge-off makes me look like I abandoned my financial responsibilities, which is not true. It has closed doors for me in housing applications, car financing, and even small credit lines. The humiliation of being rejected over something I do not even owe has damaged my confidence. I have had to explain again and again to lenders that this information is wrong, but the stain remains on my credit file. This feels like a punishment for something I never did. 
XXXX XXXX Date : XX/XX/XXXX Issue : This inquiry was not authorized by me and is fraudulent. 
Law : FCRA Section 616 & 617 allows me to seek damages for negligent or willful noncompliance. 
Story : I never consented to this inquiry, yet my score was negatively impacted. I have been fighting to build my credit, and unauthorized inquiries destroy months of effort. It is frustrating, unfair, and leaves me feeling powerless against companies who misuse my information. 
XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized inquiry, no record of consent, no permissible purpose. 
Law : FCRA 604 prohibits inquiries without written consent.

Story : This inquiry is not only unauthorized but damaging. Because of this, my credit score dropped, and I lost out on a credit card approval that I had worked hard to qualify for. Every time an unauthorized inquiry appears, it tells lenders I am reckless, which is false. The impact is financial loss, emotional stress, and humiliation. 
Requested Resolution : I request the CFPB to ensure the following : XXXX. All wrong addresses listed above are deleted immediately. 
XXXX. All unverified late payments, charge-offs, and collections are removed. 
XXXX. All unauthorized credit inquiries are deleted. 
XXXX. I receive written confirmation of investigation results within XXXX  days. 
The continued reporting of inaccurate and unverifiable information is causing financial harm, emotional distress, and reputational damage. If corrective action is not taken, I am prepared to pursue all remedies available under FCRA, FDCPA, and applicable state consumer protection laws.

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