Consumer complaint received 2025-07-25 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 complaint to formally report multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by credit reporting agencies and data furnishers. The information listed below is inaccurate, unverified, misleading, and has caused substantial harm to my credit standing and financial stability. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Issue : This address is inaccurately reported and is not associated with me in any capacity.

Law : Under FCRA 1681e ( b ), the CRA must maintain maximum possible accuracy.

Story : I have never lived or received mail at this address. Its inclusion implies fraudulent or mixed-file activity. Reporting incorrect address information is a clear failure of the credit bureau to verify data sources and maintain accuracy, thereby damaging my credibility. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Issue : Incorrect and unverifiable address.

Law : FCRA 611 mandates the reinvestigation of disputed information within 30 days.

Story : This address is not mine, and I have no personal, residential, or financial connection to this location. Continued reporting after dispute may constitute willful noncompliance under FCRA 616 and 617. 
XXXX XXXX XXXX XXXX * | Late Payment * * Issue : This account reflects late payments that are inaccurate and not reflective of my actual payment history.

Law : FCRA 1681s-2 requires furnishers to report accurate data.

Story : I made my payments on time, and the reported delinquency is due to internal processing errors. I contacted the lender, and they confirmed discrepancies. This misreporting unfairly damaged my credit. 
XXXXXXXX XXXX XXXXXXXX * * | XXXX XXXX * * Issue : Unjustified late payment. 
XXXX : FCRA XXXX ( a ) grants me the right to dispute inaccurate info. 
Story : During the pandemic, I faced documented hardship and communicated with the creditor. I was assured there would be no late mark, yet the credit report shows otherwise. This is misleading and unjust. 
XXXX XXXX  XXXX * * | XXXX XXXX * * Issue : Late payment inaccurately marked.

Law : FCRA 1681e ( b ) requires maximum accuracy.

Story : I enrolled in a payment plan with the lender, and no late reporting should have occurred during that arrangement. The presence of this late payment undermines the agreement and misrepresents my responsibility. 
XXXX XXXX XXXX * * | Late Payment * * Issue : Wrongful delinquency reported.

Law : FCRA 623 ( b ) obligates furnishers to investigate disputed data.

Story : I was in an approved deferment due to job loss when this late mark was added. This not only breaches our agreement but causes further financial harm due to the unfair drop in my credit score. 
XXXX XXXX XXXX * * | XXXX * * Issue : Unverified collection entry. 
Law : FDCPA 807 prohibits false representation of debt.

Story : I never received notice of this debt, and XXXX has failed to provide any validation. Reporting a {$1600.00} debt without due process is abusive and deceptive collection behavior. 
XXXX XXXX XXXX * * | Collection * * Issue : Duplicated collection account.

Law : FCRA 602 mandates fair and accurate reporting.

Story : This collection appears to be duplicated from another XXXX account. Reporting the same debt under different formats or names is deceptive and inflates my derogatory marks unfairly. 
XXXX XXXX XXXX * * | Collection * * Issue : Duplicate and unverifiable.

Law : FDCPA 809, FCRA 1681s-2 ( b ).

Story : Again, this debt is reported as both charge-off and collection. This is unfair, misleading, and needs immediate deletion due to lack of validation and deceptive dual reporting. 
XXXX XXXX| Collection Issue : Collection listed with no documentation.

Law : FDCPA 809 requires validation.

Story : I have no knowledge of this alleged debt, and no collection letter or notice was sent. This entry must be deleted immediately as no debt validation was ever performed. 
XXXX XXXX * * | Charge Off * * Issue : Account shows charge-off despite dispute.

Law : FCRA 611 ( a ) requires reinvestigation.

Story : I previously disputed this account. Despite the dispute, the data remains unchanged without any validation or response, violating my rights and misrepresenting the status of this account. 
XXXX XXXX * * | Late Payment * * Issue : Payment reported late without basis.

Law : FCRA 1681e ( b ).

Story : This account had a payment deferment granted due to temporary hardship. Late payment reporting goes against the agreement and is unjustified. 
XXXX XXXX XXXX * | Late Payment * * Issue : Late payment inaccurately reflected.

Law : FCRA 1681i ( a ).

Story : I never missed a payment on this account. This error may stem from system misreporting or improper data update by the furnisher. Ive made multiple attempts to fix it but no response was received.

INQUIRIES ( Hard Pulls That I Did Not Authorize or Were Done Without My Consent ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : I did not authorize these hard inquiries.

Law : FCRA 604 ( a ) ( 3 ) only allows permissible purpose.

Story : These hard inquiries occurred without my prior written consent and are harming my credit score. No service or credit application was ever initiated with these companies. This is a direct violation of FCRA, and I demand immediate removal.

SUMMARY OF HARMS My credit score has dropped significantly due to these issues.

I have been denied credit and opportunities due to inaccurate derogatory marks.

I am suffering emotional distress and financial limitations due to this repeated negligence.

Credit bureaus and data furnishers have failed to properly investigate or respond to my disputes.

RESOLUTION REQUEST I respectfully request the CFPB to : 1. Investigate the credit bureaus ( Equifax, Experian, TransUnion ) and furnishers reporting the information listed above.

2. Compel deletion of all inaccurate addresses, unverifiable accounts, and unauthorized inquiries.

3. Enforce penalties for noncompliance and violation of FCRA and FDCPA.

4. Ensure accurate correction of my credit file and provide documentation of actions taken.

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