Consumer complaint received 2025-10-06 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:
I am submitting this formal complaint regarding multiple inaccuracies, unverified accounts, late payment misreports, collections, charge-offs, and unauthorized inquiries on my credit report. These inaccuracies have caused severe financial and emotional harm, delayed my access to credit, and violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Below is a detailed account of each item with the associated impacts and my legal requests : XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address is completely unfamiliar to me and has never been associated with my residence or billing information. Its inclusion has caused confusion when financial institutions attempted to verify my identity. It exposes me to potential fraud risk and makes me XXXX  about identity theft. Reporting false addresses violates FCRA 611 ( a ) ( 1 ) and undermines my right to a fair and accurate credit report. Immediate removal is necessary to prevent further harm. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address I have never lived at this property, nor have I authorized any transactions tied to this location. Its presence on my credit report has already caused a lender to flag my application incorrectly, delaying urgent financial decisions. False reporting of addresses misrepresents my identity and creates unnecessary obstacles in my financial life. I request prompt deletion to restore accuracy and prevent further damage. 
XXXX XXXX XXXX XXXX XXXX  Charge Off High Balance : {$920.00} Date Opened : XX/XX/XXXX I have no knowledge of this account and never authorized it. Being reported as a charge-off is damaging to my creditworthiness and causes stress whenever I attempt to secure loans or housing. FCRA 609 ( a ) ( 1 ) requires verification of such debts before reporting. Since I can not verify this account, I demand its deletion. Maintaining unverified accounts is unlawful and exposes me to financial and reputational harm. 
XXXX XXXX XXXX Charge Off High Balance : {$460.00} Date Opened : XX/XX/XXXX I do not recognize this account. Its inclusion as a charge-off falsely portrays me as delinquent and irresponsible, which has affected my ability to negotiate favorable interest rates and impacted my personal confidence. Reporting unverified accounts violates my legal rights under FCRA and related state laws. Immediate deletion or verification is required. 
XXXX XXXX XXXX XXXX XXXX  Late Payment High Balance : {$530.00} Date Opened : XX/XX/XXXX This account inaccurately reflects late payments. I have always made timely payments. Being reported late has resulted in increased stress, delayed approvals, and undue financial scrutiny. Accurate reporting is mandated by FCRA 611 ( a ), and incorrect reporting constitutes a violation. I demand correction of the payment history to accurately reflect my timely payments. 
XXXX XXXX Charge Off High Balance : {$2300.00} Date Opened : XX/XX/XXXX I have no knowledge of this account. The charge-off designation has negatively influenced potential credit opportunities and has caused emotional distress. Reporting unverified accounts is illegal and damages my financial reputation. I insist on deletion unless proper validation is provided. 
XXXX XXXX XXXX XXXX Charge Off High Balance : {$16000.00} Date Opened : XX/XX/XXXX I have never opened or authorized this account. The false charge-off status is misleading and has led to repeated rejection for loans and housing. This reporting violates FCRA 609 ( a ) ( 1 ) and creates ongoing financial and emotional harm. I demand immediate removal. 
XXXX XXXX Charge Off High Balance : {$1500.00} Date Opened : XX/XX/XXXX I do not recognize this account. Its reporting as a charge-off undermines my credibility and has caused severe XXXX  regarding my financial identity. Under FCRA, I am entitled to verification, and in absence of such verification, the account must be deleted immediately. 
XXXX XXXX Late Payment High Balance : {$3000.00} Date Opened : XX/XX/XXXX The reported late payments are false. I have consistently paid on time, and this incorrect reporting has caused me undue stress and potential financial loss when applying for loans. Correction of this payment history is required under FCRA 611 ( a ), as the information is inaccurate and damaging. 
XXXX XXXX Late Payment High Balance : {$5200.00} Date Opened : XX/XX/XXXX The reported late payments are incorrect. I have consistently made all required payments on time. This inaccurate reporting has harmed my credit profile, delayed loan approvals, and caused unnecessary financial scrutiny. FCRA 611 ( a ) requires accurate reporting. I demand correction of the payment history to reflect timely payments. 
DEPT OF ED/XXXX  XXXX Late Payment High Balance : {$7600.00} Date Opened : XX/XX/XXXX I dispute the reported late payments as false. This misreporting has negatively affected my ability to access educational refinancing and other financial opportunities. Accurate reporting under FCRA 611 ( a ) is mandatory, and I request immediate correction. 
XXXX XXXX Late Payment High Balance : {$8700.00} Date Opened : XX/XX/XXXX The late payment status is incorrect ; I have never missed payments. The false reporting has resulted in increased interest rate offers and has caused undue stress. I request correction to show accurate, on-time payment history. 
XXXX XXXX XXXX XXXXXXXX XXXX  Late Payment High Balance : {$25000.00} Date Opened : XX/XX/XXXX I have never been late on this account. The inaccurate late payment reporting has directly impacted my ability to secure auto financing and has caused financial and emotional harm. I demand correction of the account history. 
XXXX XXXX XXXX XXXX Collection High Balance : {$630.00} Date Opened : XX/XX/XXXX I have no knowledge of this account. Reporting it as a collection is misleading and damaging to my creditworthiness. Under FCRA 609 ( a ) ( 1 ), I am entitled to validation. I request deletion if verification can not be provided. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Collection High Balance : {$920.00} Date Opened : XX/XX/XXXX This collection account is unfamiliar to me. It has negatively affected my ability to secure credit and created unnecessary stress. I demand deletion unless validated according to federal law. 
XXXXXXXX XXXX XXXX XXXX  Charge Off High Balance : {$1500.00} Date Opened : XX/XX/XXXX I have no knowledge of this account. The charge-off status is unverified and harmful to my financial reputation. I request removal unless proper documentation is provided. 
XXXX XXXX Inquiry XX/XX/XXXX Unauthorized and inaccurate. Immediate removal requested. 
XXXX XXXX Inquiry XX/XX/XXXX This inquiry was not approved by me. Violation of FCRA ; I demand deletion. 
XXXX XXXX Inquiry XX/XX/XXXX Unauthorized inquiry negatively impacting credit. Removal requested. 
XXXX XXXX Inquiry XX/XX/XXXX Not authorized. I demand deletion to restore accurate credit reporting. 
XXXX XXXX Inquiry XX/XX/XXXX Unauthorized. Must be removed under federal law.

The cumulative effect of these late payments, collections, charge-offs, and unauthorized inquiries is severe, affecting my creditworthiness, mental health, and financial opportunities. I request immediate investigation, deletion, or correction of all listed items and a written confirmation of actions taken. Failure to comply violates federal law and exposes reporting agencies to liability.

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