Consumer complaint received 2025-08-26 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:
To Whom It May Concern, I am submitting this formal complaint against the credit reporting agencies and the data furnishers who have willfully and negligently reported false, inaccurate, and unverified information on my credit report. These violations are in direct breach of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 
The following items are being disputed as inaccurate, unverifiable, and damaging to my credit profile : XXXX XXXX XXXX, TX XXXX Wrong Address This address is not now, nor has it ever been, associated with me. Reporting such inaccurate information creates a false impression that I have lived at places I never resided, which suggests potential fraud or identity theft. Under FCRA XXXX, I am entitled to see all information associated with my file, and unless you provide actual proof of residence, this address must be deleted. Continuing to keep this on my report exposes me to potential fraud investigations and false assumptions by lenders. 
XXXX XXXX XXXX, TX XXXX Wrong Address This address is wholly incorrect. I never lived here, received mail here, or had any financial association with it. By law, CRAs must ensure maximum accuracy, yet this failure is a direct violation of FCRA XXXX ( b ). Wrong addresses in a consumer file can cause denials of credit, accusations of misrepresentation, and even wrongful linkage to criminal or fraudulent activity. 
XXXX XXXX XXXX XXXX XXXX  | High Balance : {$220.00} | Date Opened : XX/XX/XXXX | Late Payment * * This account is being reported with late payments, which is false and unverified. Under FCRA 623 ( a ) ( 1 ), furnishers must provide only accurate and complete data. FDCPA 807 prohibits misrepresentation. No supporting billing statements or verified proof of delinquency has been provided to me. This false late payment is portraying me as irresponsible when in reality no valid evidence exists. As a result, I have been denied lower-interest credit cards and subjected to unfairly high rates, which has caused measurable financial harm. 
XXXX XXXX XXXX XXXX XXXX  | High Balance : {$480.00} | Date Opened : XX/XX/XXXX | Charge Off * * This alleged charge-off is inaccurate. Under FCRA 611, credit bureaus must reinvestigate disputes, and if the data can not be verified directly with the original creditor, it must be deleted. No original signed contract, no complete account history, and no charge-off statement has been presented. This false entry makes it appear that I defaulted, which has harmed my chances at housing applications and auto financing. The psychological toll of being portrayed as someone who walks away from debts when no valid proof exists is unjust and unlawful. 
XXXX XXXXXXXX XXXX XXXX High Balance : {$560.00} | Date Opened : XX/XX/XXXX | Charge Off * * This reporting is unverifiable and violates FDCPA 809, which requires that debt collectors provide full validation before reporting. I never received validation letters, proof of ownership, or proof of assignment of this debt. By reporting this unverifiable charge-off, the bureau is in direct violation of FCRA 607 ( b ). This is causing me financial rejection and unfair reputational damage. 
XXXX XXXX | High Balance : {$19000.00} | Date Opened : XX/XX/XXXX | Charge Off * * This alleged account is inaccurately listed as charged off. I demand evidence such as original signed documents, complete transaction history, and proper chain of custody of the debt. Without this, continued reporting violates FCRA XXXX and XXXX, which require prompt correction of inaccurate information. This false reporting has directly led to denials of mortgage applications, higher interest rates, and humiliation during financial reviews. 
XXXX XXXX XXXX XXXX High Balance : {$970.00} | Date Opened : XX/XX/XXXX | Collection * * This is another duplicate of the XXXX  entry. Reporting the same debt under different variations is deceptive and misleading. FDCPA 807 ( 2 ) ( A ) clearly prohibits this. Such duplication unfairly lowers my XXXX XXXX, creates confusion for lenders, and results in unjust denials and higher rates. 
XXXX XXXX | High Balance : {$1500.00} | Date Opened : XX/XX/XXXX | Collection * * This account is being reported without validation, violating FDCPA XXXX. No original proof of debt, ownership, or assignment has been shown. Reporting unverifiable data is unlawful and must be corrected. This false entry has damaged my ability to obtain affordable housing, credit cards, and fair financing. 
XXXX FUNDING XXXX | High Balance : {$160.00} | Date Opened : XX/XX/XXXX | Collection * * This is a duplicate of the XXXX entry above. Duplicate reporting is unlawful under FCRA XXXX ( b ) and FDCPA XXXX. Such duplication makes my debt appear inflated and worsens my credit standing artificially, which is a direct violation of my rights. 
XXXX XXXX| High Balance : {$3000.00} | Date Opened : XX/XX/XXXX | XXXX * This account is reported as a collection but has not been validated. Under FDCPA XXXX, a debt collector must provide validation before pursuing collection or reporting. To date, I have received no signed contract, billing statements, or proof of ownership of this alleged debt. Reporting unverifiable information violates FCRA XXXX ( b ), which requires maximum accuracy. This false collection has caused me repeated credit denials and made it appear as though I defaulted when no verifiable proof exists. The stress, embarrassment, and financial setbacks are a direct result of this unlawful reporting. 
XXXX XX/XX/XXXX| XXXX This hard inquiry was unauthorized. Under FCRA XXXX, a credit bureau XXXX only furnish my report if there is a permissible purpose. No signed application or consent exists for XXXX Bank on this date. Unauthorized inquiries not only violate FCRA but also breach my right to data protection under XXXX. This makes it appear that I applied for credit when I did not, which is misleading and harmful. 
LIGHTSTREAM XX/XX/XXXX| XXXX This inquiry was done without my authorization or consent. FCRA XXXX requires consumer consent and a legitimate business need. This entry violates that rule. XXXX protects me from such unauthorized pulls, and yet this inaccurate inquiry was posted. Because of this, my score dropped and lenders wrongly assume I am credit-seeking, which is damaging to my reputation. 
XXXX XX/XX/XXXX| XXXX Another unauthorized inquiry by XXXX Bank. Repeated unauthorized pulls suggest either fraud or negligent reporting. Under CFPB regulations and FCRA XXXX, this inquiry is unlawful and must be removed. These inquiries collectively cost me credit points and created a false image of multiple credit-seeking behaviors. 
XXXX XX/XX/XXXX| XXXX This entry is inaccurate. No application was submitted by me, and no authorization exists. Reporting this inquiry violates FCRA permissible purpose requirements. This inquiry has harmed me financially by lowering my score and giving the false impression of frequent credit applications. 
XXXX XXXX XX/XX/XXXX| XXXX This inquiry is false and unauthorized. No application was submitted. FCRA and CFPB guidelines require strict documentation of permissible purpose, which is absent here. 
Harm Caused : Because of these false and negligent reports : I have been denied credit, housing, and auto loans. 
I have been subjected to higher interest rates, costing me thousands of dollars. 
My personal and financial reputation has been severely damaged. 
These false addresses expose me to identity theft risks, further compounding the harm. 
This situation has caused me emotional distress, financial hardship, and reputational harm. The reporting agencies and furnishers have failed to comply with federal law, and their negligence has directly injured me. 
Requested Relief : I respectfully request that the CFPB : 1. Order the immediate removal of all inaccurate addresses.

2. Investigate and require deletion of all unverified, duplicate, and false accounts listed above.

3. Hold the data furnishers and CRAs accountable for non-compliance with FCRA and FDCPA.

4. Ensure I receive confirmation of corrections in writing. 
I have exhausted my attempts directly with the CRAs and furnishers, but they have failed to correct or delete these inaccuracies. I now seek the CFPBs enforcement to protect my rights under federal law.

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