Consumer complaint received 2025-08-08 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:
b'I am submitting this formal complaint against the following credit reporting agencies and data furnishers for reporting and maintaining multiple inaccurate, unverifiable, and unauthorized accounts, addresses, and inquiries on my credit report, in direct violation of the Fair Credit Reporting Act (FCRA, 15 U.S.C  1681 et seq.) and the Fair Debt Collection Practices Act (FDCPA, 15 U.S.C  1692 et seq.).\n1455 W 24TH ST JACKSONVILLE, FL 32209\nIssue: Wrong Address\nLaw: Under FCRA 15 U.S.C  1681c, consumer reporting agencies must ensure only accurate and verifiable addresses are reported\nStory: I have never lived at this address nor have I ever been associated with it in any capacity this error raises serious privacy and fraud concerns and may be the result of merged or mistaken files this wrong address is damaging my credibility and may link my report to accounts or activity that are not mine I demand immediate deletion of this incorrect address from all credit bureaus without delay\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIssue: Late Payment\nLaw: Under FCRA 15 U.S.C  1681s-2, furnishers must provide accurate and complete information\nStory: The late payment marked under this account is inaccurate I made timely payments and never received notice of delinquency I believe this may be due to internal system error or misreporting from the furnisher this false late payment is hurting my score and affecting my ability to qualify for loans I request this be corrected or removed with proof of validation providedXXXX XXXX  Date Opened: XXXX  High Credit: XXXXIssue: Late Payment\nLaw: Per FCRA  623 and  611, I have the right to dispute inaccurate account histories\nStory: This account has been marked with a late payment that I strongly dispute I have documentation that confirms payments were made on time or within grace period yet this negative mark appears unjustly this has caused rejections for rental applications and job screenings I request you verify this account with all supporting documents or immediately delete the tradeline\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off\nLaw: FCRA  1681s-2(b) requires reinvestigation of disputed information\nStory: This charge off is completely inaccurate I never received proper validation or breakdown of this debt I believe this account is either fraudulent or misreported I never had a contractual agreement with this company nor received communication attempts before the charge off was listed this violates my rights and I request this be removed pending verification\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection\nLaw: Under FDCPA  809 (15 U.S.C  1692g), debt collectors must provide debt validation\nStory: This collection was never communicated to me and I never received any letters required under FDCPA I have no knowledge of this debt and believe it is incorrect or resulting from a third-party reporting error this has caused stress and unfair denial of basic financial services I request this collection be removed unless fully validated with original documentation\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIssue: Collection\nLaw: FDCPA  807 prohibits false or misleading representations\nStory: I have never received any communication from this company nor do I recognize the account this is a violation of my rights under FDCPA and FCRA as no validation was provided this entry is severely damaging my report and must be deleted unless the agency can prove the origin with contractual proof of debt ownership and original creditor recordsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FDCPA 809 & FCRA 611\nStory: I never received notice regarding this account I never agreed to this debt nor was I given a chance to dispute it timely this debt may have been paid or settled long ago or does not belong to me at all I demand immediate validation and reinvestigation failure to do so would be considered a willful violation of consumer protection lawsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection\nLaw: FDCPA  809 & FCRA  1681e(b)\nStory: This collector has listed a debt I do not owe I was never contacted before this entry was placed I was never given 30 days to request validation this has impacted my employment background checks and caused significant damage to my credit profile I request deletion of this item unless validated with full documentation from the original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIssue: Charge Off\nLaw: FCRA  611\nStory: This charge off account is disputed I had a temporary financial hardship and was in communication with the creditor I was assured the account would be marked as resolved not charged off I request that this derogatory listing be removed as the agreement was not honored and documentation of hardship and payment attempts are available upon request\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIssue: Charge Off\nLaw: FCRA  602(A)\nStory: This account was impacted by loss of employment during the pandemic I was in touch with the lender and asked for accommodation yet it was charged off without proper notice this has devastated my credit score and ability to rebuild financial stability I demand full review and reinvestigation under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment\nLaw: FCRA  1681i\nStory: This late payment is being disputed as I made a payment but the system showed an error in posting I provided proof to Discover yet they failed to correct the mistake this entry is unjust and must be removed or updated to show current status or timely payment\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was making regular payments but suddenly this account was charged off I never received final notice or closure documents I want this entry deleted unless full verification with account statements and payment records are providedXXXX XXXX XXXX XXXX  Inquiry\nLaw: FCRA  604(a)(3)\nStory: This hard inquiry was made without my knowledge or authorization I never applied for credit with this entity this violates my rights and I request this inquiry be removedXXXX XXXX XXXX: Inquiry\nLaw: FCRA  604\nStory: This inquiry was not authorized by me I did not apply for credit or financing through Greenway Kia and I want this removed immediately\nCPS 04/16/2025\nIssue: Inquiry\nLaw: FCRA  604\nStory: I never gave consent for this credit pull and therefore demand it be deleted as an unauthorized inquirXXXX XXXX  Inquiry\nLaw: FCRA  604\nStory: I never requested credit from this company and this unauthorized inquiry has lowered my credit score it must be removed\nXXXX XXXX XXXX XXXX XXXXStory: This entry is unauthorized I did not engage this company and I demand this credit access be deleted from my record\nXXXX XXXX XXXX XXXX Inquiry\nLaw: FCRA  604\nStory: This is an unauthorized inquiry that has negatively impacted my score I did not apply for credit or services from XXXX XXXX XXXX  and I demand deletion\nResolution Sought:\nI request that CFPB investigate these violations and hold the reporting agencies and furnishers accountable. I demand the following:\n\tDeletion of the inaccurate address\n\tDeletion or correction of all inaccurate account information\n\tFull investigation and removal of all unauthorized hard inquiries\n\tFurnishers to provide proper documentation and validation of debts\n\tPenalties or enforcement against violators under FCRA and FDCPA\nThese entries have caused me significant emotional, financial, and professional harm. I have been denied credit, housing, and employment because of these wrongful and unverified entries. I request immediate attention to this matter and written confirmation of investigation results.'

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