Consumer complaint received 2025-08-11 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, unauthorized entries, and misleading information currently being reported on my credit report. These entries have caused significant harm to my creditworthiness, reputation, and financial stability. Each of the following entries violates provisions of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and, in some cases, the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). Under FCRA 602 ( A ), I have the right to expect maximum possible accuracy in my credit reporting, and the listed items clearly demonstrate noncompliance. 
LATE PAYMENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX | High Balance : {$180000.00} | Date Opened : XX/XX/XXXX Late Payment * * Issue : The reported late payments are inaccurate and do not match my actual payment history. 
Law : FCRA Section 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

Story : This false late payment reporting caused my credit score to drop significantly, resulting in a higher interest rate on a recent auto loan. Over the life of the loan, this error will cost me thousands of dollars in additional interest charges. 
XXXX XXXX XXXX XXXX | High Balance : {$0.00} | Date Opened : XX/XX/XXXX Late Payment * * Issue : This account shows late payments despite there being no debt, no contract, and no financial obligation. 
Law : FDCPA Section 807 ( 8 ) prohibits furnishing false credit information to a credit reporting agency.

Story : This incorrect listing led to my application for a professional license being flagged during a background check. I had to go through additional verification steps, which delayed my licensing process and impacted my career progress. 
COLLECTION XXXX XXXX XXXX | High Balance : {$2400.00} | Date Opened : XX/XX/XXXX Collection * * Issue : This debt is unverified, and no documentation proving its validity has been provided. 
Law : FDCPA Section 809 requires debt collectors to provide written verification of the debt upon request before continuing collection efforts.

Story : This false collection account caused my rental application to be rejected. I lost the opportunity to move into a property I had already placed a deposit on, leading to financial loss and stress. 
UNAUTHORIZED / EXCESSIVE INQUIRIES ( Under FCRA Section 604, a permissible purpose is required for any credit inquiry. Without consumer authorization or a valid business need, such inquiries are illegal. ) XXXX, XXXX XX/XX/XXXX Inquiry Story : Duplicate Goodleap inquiries within days are highly irregular and point to possible misuse of my information. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Story : No application for auto financing was made ; this inquiry is unauthorized. 
XXXX & XXXX XX/XX/XXXX Inquiry Story : I have no relationship with this company, yet they accessed my credit file without permission. 
XXXX XX/XX/XXXX XXXX XXXX : I did not initiate any transaction with XXXX XXXX, yet this inquiry is harming my credit profile. 
XXXX XXXX XXXXXX/XX/XXXX Inquiry Story : I have never had an account or application with XXXX XXXX Bank. 
XXXX XXXX XXXXXX/XX/XXXX Inquiry Story : This appears to be a duplicate or unauthorized pull of my report. 
Legal Demand : Pursuant to FCRA 611 ( a ), I demand that the CFPB direct the relevant credit bureaus and furnishers to investigate and permanently delete all the above-listed inaccurate addresses, late payments, invalid collections, and unauthorized inquiries from my credit file. Under FCRA 616 and 617, willful or negligent noncompliance subjects the violators to actual, statutory, and punitive damages, as well as attorneys fees. I request that the CFPB take immediate enforcement action to ensure compliance, protect my consumer rights, and prevent further harm. 
I affirm under penalty of perjury that the facts stated in this complaint are true and correct to the best of my knowledge.

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