Consumer complaint received 2025-08-07 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 Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple serious violations of the Fair Credit Reporting Act ( FCRA ) by the credit reporting agencies ( XXXX, XXXX, and TransUnion ) and several creditors. My credit file currently contains multiple false addresses, inaccurate account statuses, unverified charge-offs, and unjustified late payments, all of which have severely harmed my creditworthiness, caused emotional distress, and blocked me from accessing housing, employment, and basic financial opportunities. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Incorrect address that does not belong to me Law : FCRA 605 ( b ) prohibits inaccurate identifiers in a consumer report Story : I have never resided at or been associated with this address in any capacity. I believe this may be the result of a merged credit file, identity confusion, or erroneous reporting from a third-party database. I have submitted job applications, rental applications, and credit card applications that were denied due to inconsistencies caused by this address. The mental stress and embarrassment from having to explain a false address in professional settings is extremely unjust. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : False address listing Law : FCRA 609 ( c ) ( 1 ) ( A ) requires address accuracy Story : I have no knowledge or connection to this address. I have never received mail there, never visited, and no accounts have ever been legally opened under this address by me. Due to this false listing, I was denied a mortgage pre-approval due to address mismatch and potential fraud risk. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Late Payment Law : FCRA 623 ( a ) ( 1 ) ( A ) prohibits inaccurate furnishing Story : This payment was reported late during a time I was unemployed and battling severe health issues. Despite notifying the creditor, I was not given any hardship program or grace period. I even attempted to make partial payments, but my account was not properly noted for assistance. This single late payment is now destroying my score and costing me access to reliable housing and transportation. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Late Payment Law : FCRA XXXX mandates accurate reinvestigation Story : My income was interrupted during the pandemic, and I made consistent efforts to catch up. This late mark was added without consideration of my situation or acknowledgment of my multiple prior on-time payments. It paints a false image of my payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Late Payment Law : FCRA 623 ( b ) ( 1 ) ( C ) requires rechecking upon dispute Story : This was a high-balance account that I struggled to maintain during a period of economic hardship. I was dealing with medical bills and loss of income. I tried to negotiate payment terms, but was ignored. Instead, they marked my report with derogatory remarks that have made future lending nearly impossible for me. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Late Payment Law : It is misleading to report delinquencies on closed, {$0.00} balance accounts Story : This account was resolved and paid in full. Still, it is being reported as delinquent and bringing down my credit score unfairly. 
XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Charge Off Law : FCRA 605 ( a ) ( 5 ) limits how long certain negative data can be reported Story : This matter was resolved through court-ordered compliance, and I have documentation showing payment and closure. To see it still reporting as charged off is not only inaccurate but feels like character XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Charge Off Law : FCRA 607 ( a ) prohibits misleading information Story : This account was disputed due to unauthorized charges and miscommunications. Despite this, the account was charged off and reported without my consent or documentation. My identity and financial history are now being wrongly penalized. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Charge Off Law : FCRA 611 ( a ) allows dispute and removal of unverifiable items Story : I never received accurate billing or payment options. Despite attempts to resolve the issue, this company ignored my communication and reported the charge-off without resolution or proof of debt validation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Charge Off Law : FCRA 602 ( a ) requires data fairness Story : This was a small-dollar card I paid on time for months. After a single issue, the creditor closed it and reported a charge-off without prior notice, ruining the positive history I had built up. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Charge Off Law : FCRA 623 ( a ) prohibits incomplete and inaccurate reporting Story : I attempted to enroll in a hardship program which was never honored. They charged off the account and never gave me documentation or opportunity to defend myself. 
XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge Off Law : FCRA 611 ( a ) requires data deletion if unverifiable Story : I disputed this account after finding out it was opened without my full consent. No proof of application, identity, or authorization has been provided to date. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Late Payment Law : FCRA 623 prohibits misleading account status Story : I paid this account off through automatic payments. Its completely unjust that they reported me late when payments were sent directly from my bank on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge Off Law : FCRA 602 mandates accuracy Story : This account was cancelled due to errors on their end and they failed to correct the reporting. I was left with derogatory marks I had no chance to defend. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Late Payment Law : FCRA 611 ( a ) requires reasonable investigation Story : They refused to honor a grace period after a financial emergency. Despite my request for leniency, they reported me late and ignored my hardship documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge Off Law : FDCPA 807 bans false representation of account status Story : I tried multiple times to settle this account and was given no options. It was charged off without notice and has haunted my credit profile since then. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Charge Off Law : FCRA 609 ( a ) ( 1 ) allows request of signed agreement Story : I do not recall opening this account. No one has produced proof of a contract or original agreement, yet they continue to report it as mine. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Charge Off Law : FCRA 623 ( b ) requires proper investigation Story : This was fraudulently opened and I submitted a police report. Despite that, they are still showing it as mine and damaging my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Charge Off Law : FCRA 605 ( a ) prohibits reporting outdated debt Story : This account is years old and was settled long ago. It is being re-aged and reported as new, which is against federal regulation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Late Payment Law : FCRA 607 ( b ) ensures accuracy Story : My bank confirms auto-pay was active. There was no missed payment, and this appears to be an error on the part of XXXX. I have called multiple times but no correction has been made. 
Requested Resolution : Immediate deletion of all inaccurate addresses listed above Full reinvestigation and removal of unverified, inaccurate, and outdated accounts Written confirmation and updated credit reports reflecting accurate information Civil penalties against any furnisher or bureau found to be in willful violation of FCRA Please treat this complaint with urgency. These reporting failures are ongoing and continue to cause irreversible harm to my financial standing and personal well-being. I request the CFPBs immediate intervention to ensure compliance with federal consumer protection laws and fair credit reporting practices.

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