Consumer complaint received 2025-08-27 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:
To Whom It XXXX Concern, I am submitting this complaint because my credit reports contain multiple serious inaccuracies that violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These errors are not clerical oversights but systemic failures to ensure maximum possible accuracy, to properly validate alleged debts, and to report disputes truthfully. As a result, I continue to suffer financial harm, denial of opportunities, higher borrowing costs, and unnecessary reputational damage. 

The law is clear : FCRA XXXX requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 

FCRA XXXX requires deletion or correction of unverifiable data upon dispute. 

FCRA XXXX requires furnishers to report information truthfully and to update accounts under dispute. 

FDCPA XXXX & XXXX prohibit the use of false, misleading, or unvalidated information in debt collection or reporting. 

Despite these protections, the following inaccurate and unlawful items remain on my report : Incorrect Addresses Reported XXXX XXXX XXXX XXXX, TX XXXX This address has never been mine. By attaching me to a location I never lived at, the bureaus create a XXXX XXXX of identity, suggesting obligations linked to a place I have no connection to. This violates FCRA XXXX, which requires maximum possible accuracy. Such misreporting casts doubt on my residency history, resulting in lenders questioning my stability and reliability. 

XXXX XXXX, XXXX, TX XXXX This wrong address is also linked to my profile, creating the appearance that I lived in multiple places simultaneously. Lenders have requested additional documents or denied applications because of this confusion. This violates FCRA XXXX, as the report does not reflect accurate information. 

Inaccurate Accounts and Tradelines XXXX  XXXX XXXX High Balance : {$340.00}, Date Opened : XX/XX/XXXX Reported as a charge-off despite full payment. No verification was provided. Violates FCRA XXXX ( a ) and FDCPA XXXX. This misreporting has caused denial of loans and increased interest rates. 

XXXX XXXX Multiple Late Payments Reported late payments on several occasions that never occurred. Violates FCRA XXXX ( a ) ( XXXX ). This falsely portrays me as negligent, reducing my XXXX XXXX and impacting lending decisions. 

XXXX Accounts XXXX XXXX {$1400.00}, Date Opened : XX/XX/XXXX Falsely reported as a collection. Violates FCRA XXXX & FDCPA XXXX. No verification of debt was provided, yet it harms my creditworthiness and reputation. 

XXXX XXXX {$1400.00}, Date Opened : XX/XX/XXXX Falsely reported as a collection. Violates FCRA XXXX & FDCPA XXXX. Creates a false narrative of financial irresponsibility. 

XXXX XXXX XXXXXXXX {$660.00}, Date Opened : XX/XX/XXXX Reported as a collection but not my account. Violates FCRA XXXX & FDCPA XXXX. Misleads lenders and reduces my XXXX XXXX. 

XXXX XXXX XXXX XXXX {$740.00}, Date Opened : XX/XX/XXXX Falsely reported as a collection. Violates FCRA XXXX & FDCPA XXXX. Creates a misleading picture of my financial responsibility. 

XXXX XXXX XXXX {$280.00}, Date Opened : XX/XX/XXXX Incorrectly reported as a collection. Violates FCRA XXXX & FDCPA XXXX. Misrepresents my reliability and harms credit opportunities. 

XXXX XXXX XXXX XXXX {$570.00}, Date Opened : XX/XX/XXXX Reported as a collection that is not mine. Violates FCRA XXXX & FDCPA XXXX. This reduces my XXXX XXXX and misleads lenders. 

Unauthorized Inquiries XXXX XXXX XX/XX/XXXX Unauthorized inquiry. Violates FCRA XXXX ( a ). Creates a false narrative of seeking credit, reducing my score. 

XXXX XX/XX/XXXX Unauthorized inquiry. Violates FCRA XXXX ( a ). Misrepresents my financial behavior to lenders. 

XXXX XXXX XX/XX/XXXX Unauthorized inquiry. Violates FCRA XXXX ( a ). Suggests credit activity that I did not initiate. 

XXXX XXXX XX/XX/XXXX Unauthorized inquiry. Violates FCRA XXXX ( a ). Misleads lenders and affects creditworthiness. 

Conclusion The above entries collectively demonstrate a systemic failure by both the credit bureaus and furnishers to comply with federal law. Despite my good faith disputes, these inaccuracies remain, causing financial harm, denial of credit, increased borrowing costs, and reputational damage. I request that the Consumer Financial Protection Bureau : Investigate these violations. 

Require deletion or correction of unverifiable, inaccurate, and misleading information. 

Hold the credit bureaus and furnishers accountable for failing to comply with federal 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 explanation