Consumer complaint received 2025-08-12 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: MI

Complaint narrative:
b'I am filing a formal complaint against the credit reporting agencies and the following furnishers for reporting inaccurate, duplicate, and unverifiable information in violation of the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). The accounts, inquiries, and reporting practices listed below are misleading, damaging to my credit, and in some cases appear to be willful violations of federal law.\n1XXXX XXXX XXXX XXXX XXXX  Wrong Address\nIssue: This address is not now, nor has it ever been, associated with me. It is being falsely reported on my credit file.\nLaw: FCRA  XXXX prohibits the reporting of inaccurate or unrelated personal information, and  XXXX) requires prompt reinvestigation upon dispute.\nStory: I have never resided at this location. The false association of my name with this address creates a misleading profile of my identity, jeopardizing my personal safety and creating a risk of identity theft. I have provided proof of my current and past addresses, yet the credit bureaus have failed to remove this erroneous listing after multiple disputes.\XXXX XXXX   High Balance: XXXX  Date Opened: XXXX XXXX XXXX: This account is being reported as a charge-off despite lacking proper validation and proof of default under the terms of the original agreement.\nLaw: FCRA  1681s-2(a) prohibits furnishing information known to be inaccurate; FDCPA  1692e(8) forbids false credit reporting without proper investigation.\nStory: I have never received proper notice of default or a complete account history. The creditor has failed to provide signed contract documents and payment records. Continued reporting without verification is a violation of my rights.XXXX XXXX XXXX XXXX XXXX   Date Opened: XXXX XXXX XXXX  This account is being reported with an incorrect status and balance amount, and without proof of proper charge-off classification.\nLaw: FCRA  1681c(a)(5) restricts reporting outdated negative information; FDCPA  1692e prohibits false representation of debt.\nStory: The creditor has not responded to prior verification requests. The balance reported is inconsistent with prior statements and likely inflated with unauthorized fees.\nXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened: XXXX XXXX XXXX: Payment history is being reported inaccurately with false late payment notations.\nLaw: FCRA  1681e(b) requires maximum possible accuracy; failure to correct false late marks after dispute is a willful violation.\nStory: I have documentation showing timely payments for the reported months. This incorrect late payment entry has dropped my credit score significantly and caused denial for necessary credit.\nXXXX XXXXXXXX XXXX XXXX XXXX   Date Opened: XXXX XXXX XXXX: Account shows inaccurate delinquency dates that do not match actual payment records.\nLaw: FCRA  1681i(a) requires deletion or correction of disputed inaccuracies within XXXX XXXXy: I have repeatedly disputed this with proof of on-time payments. The continued reporting shows negligence or deliberate harm to my credit standinXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX entries are not supported by factual payment data.\nLaw: FCRA  1681s-2(b) requires furnishers to conduct a reasonable investigation and correct inaccuracies.\nStory: Payment delays were caused by the creditors own processing errors, not my failure to pay.XXXX XXXX XXXX XXXX XXXX XXXX   Date Opened: XXXX XXXX XXXX: This account inaccurately lists a late payment that was never late.\nLaw: FCRA and FDCPA provisions protect against false reporting.\nStory: The reported late date falls during a period when payments were auto-deducted from my account. Records from my bank confirm timely payments.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  False delinquency reporting.\nLaw: FCRA  1681e(b) and  1681i(a) mandate accuracy and prompt correction.\nStory: I have proof of payments yet the bureau refuses to amend the record.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: This account is unverifiable as the debt collector has failed to produce any validation letter or original creditor documentation. Reporting such information without verification is a violation of FCRA 1681e(b).\nStory: This listing is damaging because it does not belong to me. It may be the result of identity theft or a mixed file. My address history and other identifiers do not match the alleged accounts records, yet you continue to report it.\nLaw Cited: FCRA 609(a)(1), 611(a), 623(a)(1)(A); FDCPA 809(b)\nPORTFOLIO RC  517805 | XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Collection\nIssue: Duplicate reporting of the same debt under different amounts is a violation of FCRA 623(a)(1)(A) and is considered misleading under FDCPA 807(2)(A).\nStory: This account appears to be the same as the one opened on 4/17/2024 but with a different balance. This is a classic case of re-reporting to make the derogatory item appear new, which is prohibited.\nLaw Cited: FCRA 602(A), 607(B), 623(a)(1)(A)\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection\nIssue: This is another duplicate listing of the same alleged debt, with different open dates. Duplicate reporting is deceptive and unfair under the FCRA.\nStory: This duplication is damaging my score by counting the same negative debt multiple times. This is a tactic used to pressure consumers into payment through harassment-by-credit-report.\nLaw Cited: FCRA 602(A), 611(a), 623(a)(1)(A); FDCPA 807(2)(A)\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No original creditor agreement, no itemized statement, and no proof of ownership has been provided.\nStory: Without these documents, this account is unverifiable and must be deleted immediately. Reporting without documentation violates my consumer rights and creates inaccurate credit history.\nLaw Cited: FCRA 609(a)(1), 611(a), FDCPA 809(b)\XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Date Opened: 12/28/2022 | Collection\nIssue: Account is stale and appears to be outside the statute of limitations for legal collection in my state. Reporting outdated debt violates FCRA 605(a).\nStory: This entry is preventing me from obtaining fair credit terms. The continued reporting of an obsolete account is causing unjust harm.\nLaw Cited: FCRA 605(a), 623(a)(1)(A)\nHard Inquiries\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Inquiry without my consent\XXXX XXXX XXXX XXXX  | No written authorization\XXXX XXXX  4/27/2024 | No application submitted\XXXX XXXX | Unauthorized\nStory: These inquiries were conducted without my consent, lowering my score and suggesting false credit-seeking behavior.\nLaw Cited: FCRA 604(a), 609(a)(1), 611(a)\nHarm Caused:\nThe continued reporting of duplicate, unverifiable, and unauthorized information has significantly lowered my credit score, prevented me from obtaining fair credit terms, and caused emotional and financial distress. These actions appear willful and negligent under FCRA 616 and 617.\nRelief Requested:\n\tImmediate deletion of all disputed accounts and inquiries.\n\tWritten confirmation of the results of the investigation.\n\tAssurance that these items will not be reinserted without full compliance with FCRA 611(a)(5).\nDeclaration:\nI declare under penalty of perjury that the above statements 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