Consumer complaint received 2025-08-31 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: GA

Complaint narrative:
To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau because my credit report contains multiple inaccuracies and unlawful reporting practices that violate the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws. These are not minor clerical errors, but serious violations that continue to cause me denial of credit opportunities, higher interest rates, emotional distress, and reputational harm.

Despite my previous disputes, both the credit reporting agencies and furnishers have failed to correct or validate the information. Below, I am providing a detailed list of the problematic entries, the specific issues with each account, the applicable laws being violated, and how these errors have directly harmed me : Problematic Information & Accounts Wrong Personal Information XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Issue : Wrong addresses listed that do not belong to me. 

Law : FCRA 607 ( b ) requires maximum possible accuracy.

Story : These false addresses suggest fraudulent associations and have caused lenders to question my identity, leading to unnecessary denials and reputational harm. 

Accounts Reported Inaccurately XXXX XXXXXXXX High Credit {$2000.00} Opened XX/XX/XXXX Charge Off Issue : Improperly reported as charge-off without validation. 

Law : FDCPA 809 requires validation ; FCRA 623 requires accurate reporting.

Story : This negative status portrays me as severely delinquent, even though no proof has been provided. It has lowered my score and resulted in denied credit card and loan applications. 

XXXX XXXX High Credit {$500.00} Opened XX/XX/XXXX Charge Off Issue : Account charged-off almost immediately after opening, which is factually impossible. 

Law : FCRA 607 ( b ) mandates accuracy.

Story : Reporting this as a charge-off within weeks of opening proves gross inaccuracy and negligence. It damages my profile by showing an impossible pattern of default. 

XXXX XXXX XXXX XXXXXXXX High Balance {$590.00} Opened XX/XX/XXXX Charge Off Issue : Wrongful charge-off reported without proof. 

Law : FDCPA 809 requires debt validation ; FCRA 611 requires deletion if unverifiable.

Story : This account continues to hurt my profile. Without proof, it is misleading and unlawful. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} Opened XX/XX/XXXX Charge Off Issue : Improper charge-off reporting. 

XXXX : FCRA 623 ( a ) ( 2 ) requires furnishers to update or correct information.

Story : This outdated and unverified charge-off remains on my report, blocking me from affordable financing opportunities. 

XXXX XXXX XXXX XXXXXXXX High Balance {$2300.00} Opened XX/XX/XXXX Charge Off Issue : Inaccurate charge-off status. 

Law : FCRA 623 prohibits knowingly reporting false data.

Story : This furnisher has not validated the account yet continues to report negative information, severely lowering my score. 

XXXX XXXX XXXXXXXX High Balance {$400000.00} Opened XX/XX/XXXX Late Payment Issue : Late payment inaccurately reported. 

Law : FCRA 607 ( b ) requires maximum accuracy.

Story : A single alleged late payment on such a large account makes me appear reckless with high-value credit. This is misleading and damaging without documentation. 

XXXX XXXX XXXX XXXX High Balance {$3200.00} Opened XX/XX/XXXX Charge Off Issue : Third-party debt buyer reporting without proof of ownership. 

Law : FDCPA XXXX prohibits misrepresentation ; 809 requires validation.

Story : This account is unverifiable and harmful. Debt buyers frequently report without contracts, yet it remains, creating false delinquency. 

XXXX XXXX XXXX XXXX {$330.00} Opened XX/XX/XXXX Issue : XXXX account reported without validation. 

Law : FDCPA 809 requires debt validation before reporting.

Story : No validation was provided, yet this small account unfairly contributes to negative scoring. 

XXXXXXXX XXXX XXXXXXXX High Balance {$1400.00} Opened XX/XX/XXXX Issue : Collection reported without validation. 

Law : FDCPA 807 & 809 ; FCRA 611. 

Story : XXXX XXXX is known for re-aging debts. This reporting is inconsistent and damaging. 

XXXX XXXX XXXXXXXX High Balance {$800.00} Opened XX/XX/XXXX Issue : Unverified collection. 

Law : FDCPA 809 requires validation.

Story : No proof of ownership has been provided, yet it is negatively impacting my file. 

XXXX XXXX XXXX High Balance {$400.00} Opened XX/XX/XXXX XXXX XXXX XXXXXXXX High Balance {$210.00} Opened XX/XX/XXXX Issue : Both are unverified collections. 

Law : FDCPA 809 requires debt validation.

Story : These accounts are unverifiable and appear to be duplicate small collections reported to artificially inflate delinquency. 

Unauthorized/Impermissible Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Hard inquiries conducted without my authorization or permissible purpose. 

Law : FCRA 604 requires permissible purpose and consumer consent.

Story : These inquiries unfairly lower my credit score and misrepresent my activity. I did not apply for these accounts. 

XXXXelief Requested I respectfully request that the CFPB investigate these violations and compel the credit reporting agencies and furnishers to : Delete all unverifiable, duplicate, and inaccurate accounts.

Remove unauthorized and impermissible credit inquiries.

Ensure compliance with FCRA 607, 611, 623 and FDCPA 807809.

Provide me with written confirmation of the corrective actions taken.

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