Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate, misleading, and fraudulent items on my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. These reporting errors have caused substantial harm to my creditworthiness, delayed access to financial products, and negatively impacted my financial stability. I demand immediate investigation, correction, and removal of all inaccurate information. 
XXXX XXXX XXXX, TX XXXX Wrong Address This is not nor has ever been my address. By law, credit bureaus must maintain maximum possible accuracy under FCRA 1681e ( b ). Reporting this false address makes it look like I lived in multiple places I never lived in, and creditors wrongly view me as unstable. Because of this wrong address, I was questioned during a loan application and treated as if I was hiding something. This caused embarrassment in front of my family and denied me approval for better credit terms. 
XXXXXXXX XXXX XXXXXXXX, CO XXXX Wrong Address I have never lived in Colorado in my entire life. The presence of this address indicates either identity theft or a serious mixing of files. When I tried to rent an apartment, the leasing office flagged my application because of too many addresses and suspected fraud. That moment was humiliating and delayed my ability to secure housing. Under FCRA 611, the bureau must reinvestigate and delete unverifiable addresses, yet this remains on my report causing daily harm. 
XXXX XXXX XXXXXXXX High Balance : {$99000.00} Date Opened : XX/XX/XXXX Late Payment Freedom Mortgage has reported late payments that are not true. I was making payments but was placed on hold for hardship assistance during a financial crisis, yet they still marked me late. Because of this false reporting, I was denied a refinance that would have lowered my monthly payment by hundreds of dollars. This caused me to lose money every single month, adding up to thousands of dollars in loss. Under FCRA 623 ( a ) ( 1 ) ( A ), no furnisher may report inaccurate information knowingly, yet this continues. 
XXXX XXXX XXXX High Balance : {$99000.00} Date Opened : XX/XX/XXXX Late Payment This account is essentially the same loan being reported under another furnisher, which created double negative marks on my file. This duplication made it appear I had two mortgages with late payments, when in fact it was one. This unfairly doubled the damage to my credit. Because of this, I was denied credit for a car loan and forced to accept a high-interest loan instead. I lost thousands of dollars because of this inaccurate reporting. FCRA 1681i prohibits this type of misleading duplicate reporting. 
XXXX XXXXXXXX XXXX XXXX  High Balance : {$65.00} Date Opened : XX/XX/XXXX Charge Off A {$65.00} account being marked as a charge off is misleading, disproportionate, and damaging. I never received validation or a proper billing statement proving this debt. Because of this charge off, a credit card issuer reduced my credit limit, which then raised my credit utilization and lowered my score further. I was treated as if I defaulted on a large debt, all over {$65.00}. This is abusive and violates both FCRA and FDCPA standards. 
XXXX XXXXXXXX XXXX  High Balance : {$20000.00} Date Opened : XX/XX/XXXX Charge Off I strongly dispute this charge off. XXXX failed to provide me with a signed contract, payment records, or proof of default. I was actively trying to resolve the account but was misled and ignored by their collection department. This false charge off made it impossible for me to buy a safe and reliable vehicle for my family, leaving me stuck with an unreliable car that often broke down. The financial and emotional toll was immense. Reporting without proof violates FDCPA 809 and FCRA 623. 
XXXX XXXX XXXXXXXX High Balance : {$2700.00} Date Opened : XX/XX/XXXX Charge Off This charge off is being reported without proof. I attempted multiple times to communicate with XXXX to set up a resolution, but instead of cooperation, they marked it as a charge off. Because of this, when I applied for a personal loan to cover medical expenses for my family, I was flatly denied. The humiliation of being told I was too risky because of this one disputed account has created sleepless nights, stress, and constant fear. Under FDCPA 809 and FCRA 623, no furnisher can legally report without validation. 
XXXX XXXX XXXX XXXX * High Balance : {$2100.00} Date Opened : XX/XX/XXXX Charge Off This charge off is disputed because the merchandise was defective and I attempted to return it. Instead of resolving the matter, XXXX reported a charge off. This false reporting ruined my ability to qualify for financing of a refrigerator and washer when my family urgently needed them. I had to rely on used appliances that broke down, costing me more in the long run. This error is not just about numbersit has directly harmed my familys quality of life. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$20000.00} Date Opened : XX/XX/XXXX Charge Off This large charge off has never been validated with proof. I have never received a proper contract, breakdown of charges, or notice of default. Yet, it sits on my report destroying my creditworthiness. Because of this, I was denied a mortgage pre-approval and forced to continue renting. This has stopped me from building generational stability for my family. The emotional toll of being unable to provide a permanent home is devastating. 
XXXX XXXX XXXXXXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Late Payment This loan has false lates reported despite deferments being in place. These errors have piled up across my student loans, and the combined effect has wrecked my score. Because of this, I was denied financing for necessary dental work. I had to delay treatment, which worsened my health and caused pain. A simple reporting mistake should not force anyone to suffer physically. 
XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$2700.00} Date Opened : XX/XX/XXXX Charge Off This charge off is completely unverifiable. No billing statement, no contract, and no legal proof has been provided. Yet it continues to destroy my file. Because of this, I was rejected for a small emergency loan during a family medical crisis, leaving me helpless and dependent on others. This created shame, emotional distress, and financial instability. 
XXXX XXXX High Balance : {$1000.00} | Date Opened : XX/XX/XXXX | Status : Collection This collection account is not mine and has no verifiable documentation. XXXX failed to provide validation when requested and continues to report it, which is a direct violation of FCRA 1681i ( failure to reinvestigate disputed information ). The false entry has prevented me from qualifying for better lending options, harming me financially and emotionally. 
XXXX XXXX XXXX High Balance : {$880.00} | Date Opened : XX/XX/XXXX | Status : Collection This is a duplicate entry of the same debt already listed above. Duplicate reporting exaggerates the appearance of delinquency, artificially inflating derogatory information on my credit file. This practice is unlawful under the FCRA, which requires fair and accurate reporting. The presence of duplicate entries creates the false impression of multiple defaults when there is only XXXX disputed account. 
XXXX XXXX High Balance : {$550.00} | Date Opened : XX/XX/XXXX | Status : Collection This collection account is completely unfamiliar to me. I never contracted with XXXX or any associated creditor. By reporting this alleged debt without my authorization or supporting documentation, they are violating 15 U.S.C. 1681s-2 ( b ), which mandates furnishers to verify disputed data before continuing to report. The account is fraudulent, inaccurate, and must be removed immediately. 
Chapter XXXX Bankruptcy Reference # XXXX Court XXXX Bankruptcy XXXX Status : Bankruptcy This bankruptcy entry is being reported in a misleading and damaging manner. While bankruptcy records may be public, the reporting agencies have a strict obligation under FCRA 1681c to ensure the maximum possible accuracy and to not misstate, extend, or misreport the details. This listing does not accurately reflect the nature, discharge status, and timeline of the case. Inaccurate or incomplete reporting of bankruptcy is especially harmful because it has XXXX of the most severe impacts on consumer creditworthiness. The emotional and financial harm from this misreporting is significant, as it wrongly paints me as a higher risk than reality. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX has pulled my report multiple times on the same dates, creating duplicate hard inquiries. Duplicate inquiries are damaging, misleading, and make it look as though I applied for more credit than I did. This violates FCRA 1681i because the reporting agencies failed to prevent duplicative and inaccurate entries. I only made one application at most, and the repetition unfairly penalizes me. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX These inquiries were never authorized. I did not apply for a TBOM Milestone or a XXXX XXXX Bank product at this time. The presence of both suggests possible identity theft or erroneous data sharing. Reporting such inquiries without validation is a breach of FCRA accuracy standards. 
XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX  XX/XX/XXXX Inquiry Flagship Credit XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry On XX/XX/XXXX, more than a dozen auto-related inquiries hit my credit report all at once. I did not authorize so many lenders to pull my credit file. At most, I may have visited one dealership, but auto dealers and affiliated lenders engaged in shotgun multiple submissions without my consent. This practice grossly misrepresents my credit-seeking behavior, artificially lowers my score, and violates the FCRAs permissible purpose requirement. Duplicate and shotgun inquiries must be removed. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry I did not apply for XXXX XXXX credit at this time. This inquiry was unauthorized and violates FCRA 1681b. Its continued presence causes financial harm by lowering my score and creating false impressions of credit-seeking activity. 
All of the above accounts and inquiries are reported falsely, misleadingly, and without proper verification or authorization. I demand written confirmation of your investigation and resolution, including corrected credit reports sent to all major credit bureaus. If any items can not be verified, they must be permanently removed under FCRA 1681i, 1681e ( b ), and 1681b. Failure to comply will result in legal escalation, including reporting to the Federal Trade Commission and seeking remedies under 15 U.S.C. 1681n and 1681o.

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