Consumer complaint received 2025-09-26 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:
b'I am submitting this formal complaint regarding multiple inaccurate and misleading items on my credit report, which are causing severe harm to my financial standing, creditworthiness, and personal well-being. Under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, I have the right to dispute any information that is incomplete, inaccurate, or unverifiable. The following entries are incorrect, falsely reported, or unauthorized and must be thoroughly investigated, corrected, or removed immediately.\nIncorrect Addresses:\nXXXX XXXX XXXX, TX XXXX   This address has never been associated with me. Its appearance on my credit report is completely false and has caused confusion with lenders and service providers. I have never lived, rented, or conducted any business at this location. Because of this false reporting, I have experienced calls and letters for debts I do not owe, creating XXXX  and potential identity concerns.\nXXXX XXXX XXXX, TX XXXX   Another inaccurate address reported on my credit file. This misreporting is misleading and puts me at risk of being wrongly associated with financial obligations that are not mine. I request this address be immediately removed to prevent further miscommunication or potential fraud issues.\nAccount Discrepancies:\nXXXX XXXX XXXX XXXX  High Balance XXXX, Opened XXXX, reported Late Payment. I have consistently fulfilled all payment obligations as agreed with the creditor. Reporting a late payment is entirely inaccurate and has led to denials of credit inquiries and increased interest rates. This misrepresentation has caused unnecessary XXXX, damaged my reputation with lenders, and created financial and emotional hardship. I demand thorough verification of this account under FCRA Section 611.\XXXX  XXXX  High Balance XXXX, Opened XXXX, Chargeoff. This account has been falsely reported as charged off. I have always maintained proper communication and attempted to resolve any legitimate issues. The reporting of a chargeoff has caused lenders to view me as high risk, creating significant obstacles in accessing essential financial services. This inaccurate entry is harming my ability to secure housing, loans, and other critical services.\nXXXX XXXX XXXX  High Balance XXXX Opened XXXX, Chargeoff. The reporting of this account as a chargeoff is false. I have records showing compliance and payment history, and this misreporting violates my rights under FCRA. It has negatively affected my credit score and delayed multiple personal and professional opportunities. I request an immediate investigation and correction.\nXXXX XXXX   High Balance XXXX, Opened XXXX, Chargeoff. This account has been incorrectly reported as charged off. The inaccurate reporting has caused XXXX, financial disruption, and negative implications for my credibility with current and future lenders. I insist on a thorough review and prompt correction of this false information.\nXXXX XXXX XXXX   High Balance XXXX, Opened XXXX, Late Payment. I have a consistent record of timely payments. This reported late payment is inaccurate and unjust, affecting my ability to secure loans, credit approvals, and other financial services. The false report has caused personal XXXX, disrupted my financial planning, and tarnished my credit profile.\nXXXX XXXX  High Balance XXXX, Opened XXXX, Chargeoff. This account has been misreported as a chargeoff. The reporting is inaccurate and has created undue financial hardship, XXXX, and obstacles in accessing credit. I request an immediate verification and correction to ensure accurate reporting.\nXXXX XXXX XXXX   High Balance XXXX, Opened XXXX, Chargeoff. This account is reported incorrectly as charged off. I have always maintained proper communication and timely payment, and the false reporting has caused significant financial and XXXX XXXX, including denials for credit and higher costs for essential services.\nXXXX XXXX  High Balance XXXX, Opened XXXX, Chargeoff. This account has been incorrectly reported as charged off. I have maintained timely payments as agreed, and this misreporting has caused undue XXXX, financial hardship, and denied access to essential credit opportunities. The false reporting has tarnished my credit reputation and must be rectified immediately\nXXXX XXXX XXXX   High Balance XXXX, Opened 14/10/2021, Chargeoff. This chargeoff is inaccurate. I have records proving my compliance with payment terms. The misrepresentation has affected my ability to secure housing and loans and created unnecessary XXXX  and financial strain\nXXXX XXXX  High Balance XXXX, Opened XXXX, Chargeoff. This account has been wrongly reported as charged off, despite my consistent adherence to payment obligations. This inaccurate reporting is causing significant financial and XXXX XXXX, affecting my ability to access credit and essential financial services\nXXXX XXXX XXXX  High Balance XXXX, Opened XXXX, Chargeoff. Reporting this account as charged off is false and misleading. I have fully complied with all contractual obligations. The misreporting is unjustly harming my credit reputation and financial opportunities\nXXXX XXXX XXXX   High BalancXXXX XXXX, Opened XXXX, Chargeoff. This account has been incorrectly reported as charged off. This false reporting has resulted in denials of credit applications and increased financial XXXX. I request a thorough investigation under FCRA Section 611\nXXXX XXXX XXXX   High Balance XXXX, Opened XXXX, Collection. This account is inaccurately reported, violating FCRA Sections 607(b) and 611(a), causing undue XXXX, financial hardship, and obstacles in obtaining credit\nXXXX XXXX XXXX  High Balance XXXX, Opened XXXX, Collection. The misreporting of this account breaches FCRA 1681i(a) and 1681e(b), as I have no record of default, and the agency failed to maintain accurate reporting\nXXXX XXXX  High Balance XXXX, Opened XXXX, Collection. FCRA Sections 607(b), 611, and 623 require immediate verification and correction of false collection accounts. The inaccurate report has caused financial and XXXX XXXX\nXXXX XXXX XXXX  High Balance XXXX, Opened XXXX, Collection. This is falsely attributed to me. FCRA 1681i(a) requires prompt investigation, and misreporting is a violation of my legal rights\nXXXX XXXX XXXX  High Balance XXXX, Opened XXXX, Collection. This entry is unverifiable, violating FCRA 1681i(a), 1681e(b), and 1681s-2(b). Reporting false or unverifiable debts is unlawful and causes financial harm\nXXXX XXXX  High Balance XXXX, Opened XXXX, Collection. This collection is inaccurately attributed to me. I dispute owing this debt. Reporting false or unverifiable debts violates FCRA Sections 607(b), 611(a), and 623(a), which require consumer reporting agencies and furnishers to maintain accurate information and promptly investigate disputes\nXXXX XXXX  High Balance XXXX, Opened XXXX, Collection. This account is falsely reported. I have no record of default. Misreporting without verification violates FCRA 1681i(a) and 1681e(b), which mandate investigation and accuracy\nXXXX XXXX XXXX   High Balance XXXX, Opened XXXX, Collection. This collection is inaccurately reported and unverifiable. Reporting false collections causes financial hardship and XXXX XXXX, in violation of FCRA 1681i and 1681e\nXXXX XXXX XXXX  High Balance XXXX, Opened XXXX, Collection. This is falsely attributed to me. FCRA Sections 607(b), 611(a), and 623(a) require immediate verification and correction of inaccurate entries\nXXXX XXXX  Unauthorized inquiry; no permissible purpose.\nXXXX XXXX XXXX  Unauthorized inquiry; no consent given.\nXXXX XXXX  Unauthorized inquiry; violates FCRA 604(a).\nXXXX XXXX  Unauthorized inquiry; no consent.\nXXXX XXXX  Unauthorized inquiry; no consent provided.\nXXXX XXXX   Unauthorized inquiry; violates FCRA 604(a).\nXXXX XXXX  Unauthorized inquiry; violates FCRA 604(a).\nXXXX XXXX  Unauthorized inquiry; no consent provided.\nXXXX XXXX  Unauthorized inquiry; violates FCRA 604(a).\nXXXX XXXX XXXX  Unauthorized inquiry; no permissible purpose.\nXXXX XXXX  Unauthorized inquiry; violates FCRA 604(a).\nAction Requested:\nI request that all inaccurate, unverifiable accounts and collections, as well as all unauthorized inquiries listed above, be thoroughly investigated, verified, and removed from my credit report in accordance with FCRA 607, 611, 623, and 604(a). These reporting errors have caused significant XXXX XXXX, financial hardship, and damage to my credit reputation. Please confirm receipt of this complaint and provide updates on the status of these disputes.'

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