Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against multiple inaccuracies and violations found on my credit report. These issues include false and unverifiable addresses, unauthorized hard inquiries, charge-offs, and late payments that are being reported by several furnishers without proper verification or compliance with federal laws including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These reporting errors are causing me serious financial hardship, denial of housing, auto financing, and emotional distress. Despite attempts to resolve these issues with credit bureaus, the false data remains, prompting this CFPB complaint. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address Issue : I have never resided at this address nor had any business dealings linked to this location. Its appearance on my credit report is false and misleading. 
Law : Under FCRA 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. 
Story : This incorrect address creates confusion and makes it look like I may be associated with someone else 's credit or criminal activity. It increases the risk of identity theft, and lenders have started questioning the validity of my applications due to multiple unrelated addresses. I have suffered emotional distress and been unfairly judged as a high-risk borrower due to this misinformation. 
XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : This charge-off was reported without validation or explanation. I never received notices or collection attempts before this drastic step. 
Law : FDCPA 809 ( b ) and FCRA 1681b require debt validation and accurate furnishing.

Story : I lost a job and went through a financial hardship period, but was never offered options or notified of collections. Without communication, this charge-off was added to my report, severely damaging my credit score. I have been unable to buy a car or secure personal loans due to this false negative mark. I request full debt validation or immediate deletion. 
XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX Issue : The late payments were due to COVID-related hardship during which I communicated with the creditor for assistance, but was ignored. 
Law : FCRA 1681s-2 ( a ) ( 1 ) ( B ) requires accurate, complete, and updated furnishing.

Story : I requested deferrals and hardship relief, but the creditor never applied them. Instead, they reported my account as late without proper context. These lates now suggest Im irresponsible, while in truth I was facing XXXX  and job crisis. This has caused major housing application rejections and loss of financial trust from lenders. 
XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : My payments were made through autopay. Still, the account is marked late, indicating internal processing error. 
Law : FCRA 1681e ( b ) demands accuracy ; failure to remove this entry violates FCRA 1681i ( a ).

Story : I was shocked to find this late mark despite my account being in autopay. This single 30-day late mark dropped my score significantly and made me ineligible for a small business loan. I tried resolving with XXXX XXXX, but they gave no explanation. I demand this entry be deleted unless proven with timestamped records. 
XXXX XXXX ( XX/XX/XXXXXXXX  ) Issue : No credit applied for, no relationship with XXXX Law : FCRA 604 Story : This inquiry seems suspicious and should be fully investigated. I did not authorize it and have never had any XXXX credit. 
XXXX Inquiry ( XX/XX/XXXX ) Issue : Unsolicited and unauthorized inquiry. 
Law : FCRA 604 ( b ) Story : I did not apply for any XXXX card or service. This entry misrepresents my financial activity and makes me look like Im credit-seeking when Im not. 
XXXX XXXX Inquiry ( XX/XX/XXXX ) Issue : I didnt consent to any credit pull from Flagship. 
Law : FCRA 604 Story : This inquiry happened during a dealer visit. I never agreed to submit my SSN or application to XXXX. The dealer might have submitted to multiple lenders without my consent. 
XXXX Inquiry ( XX/XX/XXXX ) Issue : Inquiry made without my request.

Law : FCRA 604 ( a ) Story : I never asked for credit or loan from XXXX XXXX. I believe my information was misused during a car dealership credit application. 
XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Issue : Unapproved inquiry submitted through dealership. 
Law : FCRA 604 Story : This was done without direct application. Dealership submitted to multiple banks without my knowledge, affecting my score with multiple hard pulls.

XXXX XXXX ( XX/XX/XXXX ) Issue : Unauthorized inquiry, no credit request. 
Law : FCRA 604 ( b ) ( 2 ) Story : This company pulled my credit without a signed application. This violates my privacy and damages my credit profile unfairly. 
XXXX  XXXX Inquiry ( XX/XX/XXXX ) Issue : I have no history with this dealership. 
Law : FCRA 604 Story : Another unauthorized pull likely done via auto dealership shotgun process. This inquiry was done behind my back and I demand its removal. 
XXXX XXXX XXXX ( XX/XX/XXXX ) Issue : Inquiry not initiated or consented by me. 
Law : FCRA 604 Story : I did not apply for a XXXX credit card. Yet this inquiry appears and lowered my score. I request full investigation or deletion. 
XXXX XXXX XXXX ( XX/XX/XXXX ) Issue : No known relation, no application submitted. 
Law : FCRA 604 Story : Ive never interacted with XXXX XXXX  company. This is either an error or fraud. It negatively affects my report and confidence in the system. 
OVERALL IMPACT : These combined errors inaccurate addresses, unauthorized hard inquiries, and wrongly reported negative accounts have devastated my financial life. Ive been denied apartment leases, personal loans, and even employment opportunities due to these issues. My credit score has dropped significantly. I have spent countless hours disputing, calling, and writing, but the credit reporting agencies and furnishers have failed to correct these errors, violating my rights under the FCRA and FDCPA.

XXXX REQUESTED : Immediate deletion of all wrong addresses listed above Deletion or proper verification of all unauthorized inquiries Deletion or full validation of all accounts mentioned ( with signed contracts and billing history ) Compensation for damages suffered ( if applicable ) Please consider this my formal CFPB complaint against the relevant credit reporting agencies and furnishers. I expect a full investigation and resolution.

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