Consumer complaint received 2025-07-28 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:
Dear CFPB Officer, I am filing this formal complaint against the credit bureaus and several data furnishers for reporting inaccurate personal information, unauthorized or incorrect account data, and unverified inquiries on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite multiple efforts to dispute the errors directly with the credit bureaus and furnishers, these issues remain unresolved and continue to negatively impact my creditworthiness and peace of mind.

XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Wrong Address Issue : This is not my current or former residence and I have no affiliation with this location. 
Law : FCRA 607 ( b ) Requires consumer reporting agencies to ensure maximum possible accuracy.

Story : I have never lived at this address and have no connection to it. Its inclusion on my report is likely the result of a mixed file or identity confusion. Because of this, I have faced denials for credit, background checks, and increased interest rates. It has also raised suspicion with landlords who now question my identity and integrity. I demand this address be removed from my file immediately as it is causing me both financial and emotional harm. 
XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Wrong Address Issue : This address is falsely linked to me and appears in error. 
Law : FCRA 602 ( a ), which ensures fair and accurate reporting.

Story : I have never resided at this location, nor used it for any financial or personal purposes. Having it listed in my file is misleading and has contributed to multiple credit denials and misidentification. My applications have been flagged for suspected fraud due to this unknown address, which is distressing and unacceptable. I ask for immediate deletion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX * * Issue : Late payment reported during financial hardship. 
Law : FCRA 623 ( a ) ( 1 ) ( A ) Prohibits reporting inaccurate information.

Story : During the period this late payment was reported, I was experiencing extreme financial difficulty after losing my job. I contacted the creditor and asked for hardship support, but I received no response. Despite trying to work out a payment plan, I was marked late. This late mark does not reflect my effort or intent. The impact on my credit score has been devastating. I respectfully request that the late payment be removed.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late payment reported despite having active communication for payment arrangements. 
Law : FCRA 623 ( a ) ( 1 ) ( A ).

Story : I was in contact with this lender and requested payment deferment. I was not told that I would still be marked late, and I believe this is a breakdown in communication or misreporting. I respectfully request this be corrected and the late payment removed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Issue : Late payment reported in error. 
Law : FCRA 609 ( a ) ( 1 ).

Story : I made my payment prior to the due date, and I have documentation proving this. I submitted a dispute and received no evidence in return from the creditor. Therefore, this is unverifiable and must be removed from my credit profile immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Collection was never validated.

Law : FDCPA 809 ( a ), FCRA 611.

Story : This collection company never contacted me before reporting this debt. I have requested verification multiple times with no response. They are not in compliance with the law and are damaging my credit unlawfully. I request the complete removal of this item. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Duplicate entry of same debt as XXXX. 
Law : FCRA 607 ( b ).

Story : This is a duplicate listing of an already-reported account. Having it twice gives the false impression that I have more debt than I actually do. This is misleading to lenders and harms my score unfairly. It must be removed.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Duplicate reporting of the same debt again. 
Law : FCRA 607 ( b ) and 611.

Story : Like the above, this account is repeated and misrepresented. I believe this was a technical or system error, but it still negatively affects me. I request it be removed for accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Charge-off occurred during personal medical emergency. 
Law : FCRA 602 ( a ).

Story : I had a medical emergency and was XXXX  during this time. I reached out to the lender, but they did not offer any support and charged off the account. This reflects a lack of compassion and fails to reflect the true story. I ask for this to be reconsidered and removed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Voluntary vehicle surrender reported as charge-off with inflated balance.

Law : FDCPA 809 ( b ). 
Story : I surrendered the vehicle voluntarily, but was never given a final balance statement. This inflated debt amount has never been explained or validated. It must be validated or removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Previous disputes ignored ; entry remains unverifiable. 
Law : FCRA 611 ( a ) ( 5 ) ( B ).

Story : Ive disputed this account before and received no response. They failed to provide documentation or respond within the required time. This item must now be deleted under the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Fraudulent account due to identity theft. 
Law : FCRA 605B Identity Theft Protection.

Story : I filed a police report and FTC Identity Theft Report proving this account was opened fraudulently in my name. I never authorized this account. Under FCRA 605B, this item must be blocked and removed immediately.

Relief Requested

 1. Immediate removal of all wrong addresses listed above.

2. Deletion of all inaccurate accounts not verified with original signed documentation.

3. Removal of all unauthorized inquiries made without my consent.

4. A full investigation into potential identity confusion or mixed file issues under your enforcement.

5. A formal response with results of your investigation and appropriate action. 
Thank you for your time and attention to this serious matter. I request your urgent assistance in compelling these agencies and furnishers to follow the law, correct the record, and prevent further harm to me.

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