Consumer complaint received 2025-09-18 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:
I am filing this complaint because my credit report is being reported with multiple inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws. These errors have caused me financial harm, emotional distress, and unfair denial of credit opportunities. I demand a full investigation into these matters and immediate correction and deletion of inaccurate items. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Wrong Address This address has never belonged to me nor have I ever resided at this location. Reporting this incorrect address is a violation of FCRA Section 609 ( a ) ( 1 ) ( A ) which requires consumer reporting agencies to maintain maximum possible accuracy. Keeping this false address creates confusion, misidentification, and risk of mixed files with another consumer. This wrong address has already caused serious problems for me because lenders and background checks link me to a location where I never lived, which makes me look dishonest when applying for credit, housing, or employment. It is humiliating and unfair for me to be treated as if I am connected to places I have never stayed at. 
XXXX XXXX XXXX Account No. XXXX Open Date XX/XX/XXXX High Balance {$690.00} Late Payment This account is being reported with late payments that are not correct. I have disputed this account before, yet the furnisher and bureau continue to report inaccurate information. Under FCRA Section 623 ( a ) ( 1 ) ( A ), a furnisher shall not furnish information if they know or have reasonable cause to believe the information is inaccurate. Additionally, FCRA Section 611 requires proper reinvestigation, which was not done in my case. This ongoing misreporting is damaging my creditworthiness and must be corrected immediately. Because of this false late payment, I have been denied access to affordable credit, my credit card limits were lowered, and I had to pay higher interest rates on loans. It has created financial hardship and made it difficult for me to provide stability for my family. 
XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX. XXXX Open Date XXXX XXXX, XXXX High Balance {$12000.00} Charge Off This account is reporting as a charge off even though student loans under federal protection are not to be reported inaccurately or in a misleading way. Under the Higher Education Act and FCRA Section 605 ( a ) ( 5 ), obsolete or false reporting of government-related obligations is prohibited. This is damaging my record unfairly and needs removal. Because of this inaccurate reporting, I have faced emotional stress, denial of refinancing options, and limited access to financial aid programs. It is unjust for me to carry the burden of inaccurate reporting on an account that should not be marked as charged off in this manner. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX. XXXX Open Date XXXX XXXX, XXXX High Balance {$9200.00} Charge Off This is another duplicate entry of the same obligation being reported twice, which is misleading and unlawful. The FCRA requires fair and accurate reporting and duplication of the same debt is a violation of FCRA Section 607 ( b ). This double reporting inflates the appearance of my debt burden and is causing serious harm. This duplication makes it look like I owe twice as much as I actually do, which has caused me to be denied loans, denied credit cards, and embarrassed when creditors assume I am a high-risk borrower. This false reporting creates unnecessary stress and damages my reputation. 
XXXX XXXX XXXX Account No. XXXX Open Date XX/XX/XXXX High Balance {$210.00} Charge Off This is being reported inaccurately. XXXX XXXX is a debt collector and under the FDCPA Section 807 ( 8 ), it is illegal to report credit information which is known or should be known to be false. This item must be deleted because the reporting is incomplete and unverifiable. This inaccurate entry makes it look like I am unwilling to pay even a small debt, which is damaging my integrity and character in front of lenders. I have suffered financial loss because even though the amount is small, the negative reporting has a huge impact on my credit score. 
XXXX XXXX  Account XXXX. XXXX Open Date XXXX XXXX, XXXX High Balance {$1400.00} Charge Off This account is being reported inaccurately as a charge off. This reporting is misleading and does not reflect the true status. FCRA Section 602 ( A ) clearly states that consumer reporting must be fair and equitable, yet this furnisher and the bureaus have failed to maintain accuracy. Because of this false charge-off, I have been denied rental housing, turned away by lenders, and placed in a position where I can not move forward financially. This has created emotional distress and ongoing financial damage to me and my family. 
XXXX XXXX Account XXXX. XXXX Open Date XX/XX/XXXX High Balance {$520.00} Late Payment This account is reporting late payments that are not accurate. Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers are not allowed to report information if they know or should know it is inaccurate. I have already disputed this account, but the bureaus have failed to properly investigate under FCRA Section 611. Because of this false reporting, I have suffered higher interest rates, been denied fair credit opportunities, and endured unnecessary stress trying to prove my payment history. This false negative mark unfairly damages my financial reputation. 
XXXX  XXXX Account XXXX. XXXX Date Opened XX/XX/XXXX High Balance {$3300.00} Collection This account is reported inaccurately. XXXX XXXX XXXX is a debt collector and under FDCPA Section 807 ( 8 ), it is illegal for a debt collector to report credit information known to be false. Additionally, the account has not been properly validated as required by FDCPA Section 809. This reporting is damaging my financial profile, lowering my score, and causing me to be treated as a high-risk borrower, which is unfair. 
XXXX XXXX Account XXXX. XXXX Date Opened XX/XX/XXXX High Balance {$2300.00} Collection XXXX XXXX  is a third-party debt buyer, and this account is being reported inaccurately. XXXX has a history of misreporting and failing to provide proper validation of debts. Reporting this collection without sufficient proof is a violation of FDCPA Section 807 and FCRA Section 623. This false entry makes me appear irresponsible and has directly caused denial of loans and emotional distress. 
XXXX XXXX Date XX/XX/XXXX Inquiries This inquiry is inaccurate and unauthorized. Under FCRA Section 604, only permissible purpose inquiries are allowed. This entry was not authorized by me and must be removed. These types of inquiries have reduced my credit score and negatively impacted my credibility with lenders. 
XXXX XXXX Date XX/XX/XXXX Inquiries This hard inquiry was not authorized and was made without permissible purpose. FCRA Section 604 strictly prohibits unauthorized credit pulls. This inquiry makes it look like I applied for more credit than I actually did, which damages my profile unfairly. 
XXXX XXXX Date XX/XX/XXXX Inquiries This inquiry is also unauthorized. I never gave written or verbal consent for this credit pull. Under FCRA Section 604 ( a ) ( 2 ), inquiries without consumer consent are not permissible. These unauthorized inquiries have damaged my score and caused me to be denied favorable credit offers. 
These inaccurate late payments, collections, duplicate accounts, and unauthorized inquiries are violations of my rights under FCRA Sections 602, 607, 609, 611, 623 and FDCPA Section 807. Because of these violations, I have been denied credit, charged higher interest, and endured emotional distress. I request CFPB to investigate, enforce deletion, and ensure compliance with the 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 explanation