Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against multiple furnishers and credit reporting agencies for the continued reporting of inaccurate, outdated, and unauthorized information on my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and other applicable consumer protection laws.

I am a victim of erroneous and possibly negligent reporting which has caused me significant financial and emotional distress. Below I am listing each disputed item with the nature of the issue, applicable law violated, and a brief background of my situation : XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Wrong Address Issue : This address does not belong to me and has never been associated with me Law : Under the Fair Credit Reporting Act ( FCRA ) Section 609 ( c ) ( 2 ) ( A ), consumers have the right to dispute inaccurate or unverifiable addresses on their credit file Story : This address is showing up on my credit report despite having no connection to my identity, history, or application. Its presence is misleading and may indicate identity confusion or reporting errors from a third-party furnisher. I have never lived, received mail, nor conducted business from this address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Credit : {$500.00} * * Late Payment Issue : Late payment inaccurately reported and not validated Law : Under FCRA Section 623 ( a ) ( 1 ) ( A ), a furnisher shall not furnish any information that is inaccurate or incomplete Story : I was going through financial hardship due to medical emergencies during the reported period and had attempted to make arrangements with the creditor, which were not acknowledged. Despite good faith efforts, this account was marked late. No proper notice or verification of the missed payment timeline was provided to me, which is required under the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Credit : {$2600.00} * * Charge Off Issue : This account is inaccurately listed as charged off without final verification Law : FCRA XXXX XXXX requires reinvestigation of disputed items and deletion if unverified Story : The charge-off was applied despite my formal dispute with the original creditor. No debt validation or account statements were provided upon my request. I attempted to resolve the debt through alternative arrangements, but the account was instead marked as charged-off, causing severe damage to my score. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Credit : {$8000.00} * * Charge Off Issue : Reported charge-off does not reflect actual account handling Law : FCRA XXXX XXXX ( a ) ensures accuracy and fairness in credit reporting Story : I maintained consistent communication with XXXX XXXX XXXX XXXX XXXX this account. Unexpected job loss during the pandemic affected my payment schedule, and despite multiple calls and hardship requests, no accommodation was made. I was never sent proper default notices and now this account unfairly affects my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Credit : {$34000.00} * * Charge Off Issue : Charged off while still in dispute and under payment plan Law : FCRA XXXX ( a ) ( XXXX ) requires creditors to mark disputed accounts as in dispute Story : This vehicle account was under an approved payment deferment due to financial hardship. I was actively communicating and fulfilling temporary payment arrangements. Yet the creditor ignored these arrangements, failed to mark the dispute properly, and listed it as charged off. This is deceptive and in direct violation of federal reporting standards. 
XXXXXXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX High Credit : {$120.00} * * Collection Issue : No validation of debt was ever provided Law : FDCPA XXXX XXXX ( a ) requires debt validation upon request Story : I never received any initial notice or breakdown of this debt. When I contacted the agency, they failed to provide proof of the original creditor or itemized statement. It appears to be a duplicated or erroneous collection that does not belong to me. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$830.00} * * Collection Issue : This item was not validated and XXXX be duplicated with XXXX XXXX  : FCRA Section 611 & FDCPA Section 809 Story : This collection appears twice under different names and is unverifiable. I have submitted requests to the collector with no proper documentation received. Reporting the same debt multiple times is misleading and can unfairly impact my score. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Credit : {$14000.00} * * Charge Off Issue : Account charged off after error in loan servicing Law : FCRA XXXX ( a ) ( XXXX ) ( B ), furnisher responsibility to update information timely Story : This account was closed and paid through a third-party resolution service. I submitted all paperwork and payoff confirmation, yet XXXX XXXX failed to update the status timely. Instead, it was reported as a charge-off, damaging my credit even though the balance was resolved. 
Conclusion & Request for Immediate Action : I am requesting that the Consumer Financial Protection Bureau launch an immediate investigation into the above accounts, addresses, and inquiries. These entries are inaccurate, misleading, and were not reported in compliance with federal law. I have made numerous attempts to resolve these disputes with the credit bureaus and furnishers directly but have received either no response or incomplete investigations. 
These violations are not only affecting my XXXX XXXX but also limiting my access to fair housing, employment, and basic financial opportunities. I request that the CFPB ensures all the disputed items are either corrected or deleted as per law and that responsible parties are held accountable. 
Thank you for your attention to this matter.

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