Consumer complaint received 2025-08-23 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:
Dear CFPB Investigator, I am submitting this complaint because multiple credit reporting agencies and furnishers have reported inaccurate, incomplete, and unlawful information on my credit report, causing me severe harm, financial stress, and reputational damage. Despite my attempts to resolve these issues directly, they continue to persist in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws. 
I will outline each item with the Account/Address, followed by the Issue, Law Violated , and a detailed Story/Impact. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : This address is not and has never been associated with me. Law : FCRA 607 ( b ) requires consumer reporting agencies to maintain maximum possible accuracy. Story : By linking me to this false address, my profile is being confused with someone elses. This false information has already caused me embarrassment during a loan application where the lender questioned why so many addresses appear on my report. It creates suspicion of fraud and instability in my life history and has led to higher loan interest rates because creditors believe I am a risky borrower. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address Issue : This address is not mine. Law : FCRA 602 ( A ) emphasizes that credit reporting should ensure fairness and accuracy. Story : This mistake caused me severe hardship when I applied for rental housing and the landlord questioned my stability because of too many unrelated addresses on my report. It painted me as someone constantly moving or hiding from obligations, which is completely false. This also makes it harder to pass employment background checks because employers assume instability. 
XXXX XXXX XXXX XXXX  High Balance {$200000.00} Opened XX/XX/XXXX Late Payment Issue : Late payments are inaccurately reported. Law : FCRA 611 ( a ) requires deletion if unverifiable. Story : These late payments have severely harmed me, causing denial of refinancing on my mortgage. I was forced to pay much higher interest rates, costing me thousands of dollars over time. This inaccurate reporting is not only financial damage but also emotional stress, as I have spent countless hours disputing something that should have been accurate from the start. 
XXXX XXXX XXXX XXXX  High Balance {$200000.00} Opened XX/XX/XXXX Late Payment Issue : Late payment history inaccurately reported. Law : FCRA 607 ( b ). Story : Because of this error, I was denied a personal loan during a time of medical emergency. I needed the loan to cover healthcare costs, but the bank viewed me as high risk due to these false late payments. This left me feeling helpless and discriminated against by a system that failed to report truthfully. 
XXXX XXXXXXXX XXXX XXXX High Balance {$950.00} Opened XX/XX/XXXX Charge Off Issue : Charge-off reported inaccurately. Law : FDCPA 809 ( b ). Story : This false charge-off reduced my credit score drastically, which directly led to my credit card applications being rejected. It also embarrassed me when explaining to family why I was unable to co-sign for housing. This error continues to hold me back from opportunities to rebuild my financial standing. 
XXXX XXXX XXXX XXXX XXXX High Balance {$630.00} Opened XX/XX/XXXX Charge Off Issue : Inaccurate charge-off. Law : FCRA 611 ( a ). Story : This false charge-off is being treated by lenders as a serious negative mark. It makes me look irresponsible when in fact, the account is unverifiable. I have already been denied a small business loan, which crushed my opportunity to start a side business to support my family. 
XXXX XXXX XXXX XXXX XXXX  High Balance {$690.00} Opened XX/XX/XXXX Charge Off Issue : Wrongful charge-off status. Law : FDCPA 807. Story : This reporting mistake damaged my score during a time I was trying to secure better housing for my family. Landlords viewed me as a financial risk, and I had to settle for less favorable housing conditions because of false reporting. 
XXXX XXXXXXXX XXXX XXXX XXXX High Balance {$610.00} Opened XX/XX/XXXX Charge Off Issue : Charge-off without proof. Law : FCRA 611. Story : This false reporting has made rebuilding credit almost impossible. Even when I pay my bills on time, my score stays suppressed because of errors like this. It has caused years of setbacks and stress. 
XXXX XXXX XXXX XXXX  High Balance {$2000.00} Opened XX/XX/XXXX Late Payment Issue : Inaccurate late payments. Law : FCRA 607 ( b ). Story : These false notations prevented me from getting approval for credit that could have consolidated my debts and lowered my financial burden. Instead, I was forced into higher-cost lending options, putting me in deeper financial struggle and stress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$3000.00} Opened XX/XX/XXXX Charge Off Issue : Wrongful charge-off. Law : FCRA 602 ( A ). Story : This charge-off destroyed my credit profile, making it appear that I defaulted when I did not. As a result, I was denied approval for an apartment, forcing me into unstable living arrangements that created stress for me and my family. 
XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$2000.00} Opened XX/XX/XXXX Charge Off Issue : Unverified charge-off. Law : FDCPA 809 ( b ). Story : This false charge-off has kept me from moving forward financially. It limits my opportunities for credit, prevents me from obtaining affordable insurance rates, and continues to weigh on me emotionally every time I try to apply for something and get denied unfairly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$2200.00} Date Opened XX/XX/XXXX Charge Off Issue : This charge-off is being reported inaccurately and without validation. Law : FCRA 607 ( b ) requires maximum possible accuracy, and FDCPA 809 ( b ) requires verification of debts. Story : This false charge-off has damaged my credit score significantly, preventing me from being approved for financing to purchase essential household appliances. It creates the impression that I default on obligations when in fact this account can not be properly verified. The presence of this error is creating lasting harm to my financial stability. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$1400.00} Date Opened XX/XX/XXXX Charge Off Issue : Duplicate or inaccurate reporting of charge-off. Law : FCRA 611 ( a ) requires reinvestigation and deletion of duplicate or unverifiable items. Story : Having two similar charge-offs from the same creditor inflates the appearance of my financial distress, doubling the negative impact on my score. This false duplication has led to higher insurance premiums and credit denials, making me appear more financially irresponsible than I am. 
XXXX XXXX XXXX XXXX XXXX High Balance {$0.00} Date Opened XX/XX/XXXX Charge Off Issue : Reporting a charge-off with a {$0.00} balance is inaccurate and misleading. Law : FCRA 602 ( A ) emphasizes fairness and accuracy. Story : This entry makes no logical sense and should not be reported, yet it is harming me by portraying me as someone who defaulted on utility payments. This false report has caused embarrassment and suspicion during rental applications, as landlords view unpaid utility accounts as a major red flag. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$1000.00} Date Opened XX/XX/XXXX Charge Off Issue : Charge-off reporting without proof. Law : FDCPA 807 prohibits false or misleading representations. Story : This error has hurt me during multiple loan applications, making lenders believe I failed to honor a financial obligation. It has created unnecessary stress, forced me into explaining inaccuracies over and over, and prevented me from rebuilding my financial future. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$19000.00} Date Opened XX/XX/XXXX Late Payment Issue : Late payment reporting is inaccurate. Law : FCRA 611 ( a ) requires deletion if unverifiable. Story : This error severely damaged my ability to refinance my auto loan. Instead of lowering my payments, I was denied due to the appearance of being late, even though I worked hard to keep my account in good standing. This mistake cost me thousands of dollars in extra interest and created ongoing financial strain. 
XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$51000.00} Date Opened XX/XX/XXXX Late Payment Issue : False late payments reported. Law : FCRA 607 ( b ). Story : This inaccuracy created an image of me as financially reckless at a time when I was applying for credit to cover family medical expenses. I was denied help, leaving me in a difficult situation of trying to cover expenses out of pocket, adding to my hardship. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$2000.00} Date Opened XX/XX/XXXX Charge Off Issue : Wrongful charge-off reporting. Law : FCRA 611 ( a ) requires reinvestigation. Story : This inaccurate charge-off paints me as someone defaulting on high-risk loans. It damaged my reputation when applying for financial aid, and I had to face judgment from loan officers questioning my integrity. This causes unnecessary emotional stress in addition to the financial damage. 
XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$680.00} Date Opened XX/XX/XXXX Collection Issue : Inaccurate and unverifiable collection. Law : FDCPA 809 ( b ). Story : XXXX XXXX is known for reporting old, unverifiable debts, and this account is one of them. It blocks me from rebuilding credit, and the repeated denials I face due to this mark are emotionally draining and unfair. 
XXXX XXXX XXXX XXXX XXXX High Balance {$1900.00} Date Opened XX/XX/XXXX Collection Issue : Improper collection reporting. Law : FCRA 611. Story : This collection is unverifiable and harmful. It has hurt me during rental applications, as landlords viewed me as unreliable because of it. This error has pushed me into worse living situations, adding to my financial burden. 
XXXXXXXX XXXX XXXX XXXX XXXX  High Balance {$1000.00} Date Opened XX/XX/XXXX Collection Issue : Unverified collection account. Law : FDCPA 807. Story : This very recent collection report is unfair and damaging. It immediately dropped my credit score and destroyed the progress I was making in rebuilding. Now I am being punished for something that can not even be validated, which is unjust and unlawful. 
XXXXXXXX XXXX XXXX  High Balance {$150.00} Date Opened XX/XX/XXXX Collection Issue : False collection reporting. Law : FDCPA 809 ( b ). Story : Even though the balance is small, the impact is huge. This account keeps me from being approved for simple, everyday credit. It embarrasses me that such a small unverifiable debt is preventing me from having a stable financial future. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$1100.00} Date Opened XX/XX/XXXX Collection Issue : Duplicate reporting of same collection account. Law : FCRA 611 ( a ). Story : This duplication unfairly punishes me twice for the same alleged debt. It exaggerates my financial distress and lowers my score more than it should. Lenders assume I have more debts than I actually do, which has already led to rejection for an auto loan. 
XXXXXXXX XXXX XXXX XXXX XXXX High Balance {$950.00} Date Opened XX/XX/XXXX Collection Issue : Unverified debt reported. Law : FDCPA 807. Story : XXXX XXXX routinely reports unverifiable accounts, and this one is damaging me. It prevents me from accessing fair lending, and every time I see this on my report it brings stress, fear, and hopelessness about my financial recovery. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$1100.00} Date Opened XX/XX/XXXX Collection Issue : Inaccurate collection account. Law : FCRA 607 ( b ). Story : This error has blocked me from qualifying for affordable insurance rates. Because my score is suppressed by this false account, I end up paying more for basic services, which is unfair and unlawful. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$1200.00} Date Opened XX/XX/XXXX Collection Issue : Unverifiable collection. Law : FDCPA 809 ( b ). Story : This collection is being used against me by lenders, even though it can not be validated. It hurts me emotionally knowing I am being unfairly judged, and it prevents me from securing financial stability for my family. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$870.00} Date Opened XX/XX/XXXX Collection Issue : Duplicate and unverifiable reporting. Law : FCRA 611 ( a ). Story : Having multiple entries for the same alleged debt is misleading and damaging. It makes it look like I owe far more than I do. This false duplication keeps me in constant denial of credit, worsening my stress and quality of life. 
XXXXXXXX XXXX XXXX XXXX High Balance {$1500.00} Date Opened XX/XX/XXXX Collection Issue : Unverified collection. Law : FDCPA 809 ( b ) requires validation. Story : This account was never properly validated, yet it is being reported and punishes me financially. It has caused me to be denied credit that I applied for to cover family medical expenses, leaving me in an unfair and harmful position. 
XXXXXXXX XXXX XXXX XXXX High Balance {$730.00} Date Opened XX/XX/XXXX Collection Issue : Duplicate collection reporting. Law : FCRA 611 prohibits duplicate and misleading data. Story : This is a duplicate entry of the same alleged debt, unfairly doubling the impact. Because of this, my score dropped further, and I was denied rental housing, which has deeply affected my living stability and peace of mind. 
XXXX XXXXXXXX XXXX XXXX  High Balance {$5300.00} Date Opened XX/XX/XXXX Collection Issue : Improper collection reporting. Law : FCRA 607 ( b ) requires accuracy. Story : This collection is not validated and continues to harm me. I was denied an auto loan directly because of this account, which means I can not secure reliable transportation for work. This account is unjustly blocking my financial recovery. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$2500.00} Date Opened XX/XX/XXXX Collection Issue : Inaccurate and unverifiable collection. Law : FDCPA 807 prohibits false representation. Story : This account portrays me as delinquent when it can not even be verified. It cost me the opportunity to qualify for a debt consolidation program that could have helped me, leaving me stuck in financial hardship. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$1500.00} Date Opened XX/XX/XXXX Collection Issue : False reporting. Law : FCRA 611 ( a ). Story : XXXX is reporting this account without proper verification. Because of this, my creditworthiness is unfairly damaged. Lenders assume I am irresponsible, which leads to repeated rejections and personal embarrassment when trying to improve my financial situation. 
XXXX Inquiry XX/XX/XXXX Issue : Unauthorized hard inquiry. Law : FCRA 604 requires permissible purpose. Story : This inquiry was made without my consent or valid application. It lowered my score and made it look like I am seeking excessive credit, which is misleading to lenders. 
XXXX XXXX Inquiry XX/XX/XXXX Issue : Unauthorized inquiry. Law : FCRA 604. Story : This inquiry is not linked to any application I submitted. It negatively affected my credit score and contributed to lenders denying me. 
XXXX Inquiry XX/XX/XXXX Issue : Inaccurate hard inquiry. Law : FCRA 604. Story : This inquiry was not authorized by me. It portrays me as overextending myself financially, which has been used against me during credit reviews. 
XXXX Inquiry XX/XX/XXXX Issue : Duplicate inquiries. Law : FCRA 604. Story : XXXX made XXXX inquiries on the same date, which is unfair and inaccurate. This duplicate reporting dropped my score and blocked me from qualifying for better interest rates. 
Overall Harm & Request These inaccurate, duplicate, and unverifiable items have caused : Denial of credit and housing opportunities. 
Higher interest rates and financial instability. 
Emotional distress, reputational damage, and loss of trust in the credit system. 
I have exercised my rights by disputing these accounts directly with the credit reporting agencies and furnishers, but they failed to properly investigate or correct the errors, violating FCRA 1681i. I am therefore requesting CFPBs intervention to : 1. Investigate the unlawful reporting practices of the creditors, collectors, and CRAs.

2. Enforce removal or correction of all inaccurate accounts, collections, charge-offs, late payments, and wrong addresses.

3. Hold the furnishers and CRAs accountable for non-compliance. 
I respectfully ask for the CFPBs assistance in ensuring my rights as a consumer are protected and that my credit report reflects only accurate and verified information as required by law.

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